atmsmshr
Full time employment: Posting here.
The more I read about financing retirement the less I know. Every time over the past two years something starts to click, a new or completely unknown perspective pops up. Its like the Heisenberg uncertainty principle of my nightmares; every retiree has different circumstance and desires, and the financial advisor community has a dozen solutions for each variable.
I now understand why some pay to put their trust in a financial advisor, but I'll be darned if we are going to pay 1% p.a. on top of low index fund costs and transaction costs.
Please point out any omissions from the topics shown below so I can read up on new topics and confuse myself further:
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I now understand why some pay to put their trust in a financial advisor, but I'll be darned if we are going to pay 1% p.a. on top of low index fund costs and transaction costs.
Please point out any omissions from the topics shown below so I can read up on new topics and confuse myself further:
- When to retire and how much do we really need (depends on our budget and spending habits)
- Do we plan for a legacy, or if it happens that is just a nice thing for the kids
- When is the best time of year to retire (after annual bonus for me)
- Pension or lump sum annuity with joint survivor (a 6.4% payout on an overfunded plan makes it an easy choice)
- Healthcare before 65 (lucky to have a retiree medical vested)
- Healthcare after 65 (don't have a clue yet)
- Long Term Care planning (To insurance or self insure is the question - DW is disabled)
- When to collect Social Security, 67 or 70?
- Payoff the mortgage (at 3.125% we are carrying that one to the grave)
- Which withdrawl rate strategy to use (currently favoring Boglehead VPW tweaked with minus 0.5% of age but changing my mind monthly)
- Do we use Megacorp matching funds for Net Unrealized Appreciation for capital gains (voting yes on that one)
- Defining the optimum Roth conversion strategy
- Tax optimization strategy
- To use or not to use changing spending patterns in retirement for planning
- Optimal asset allocation (leaning towards 70/25/5 considering we will have a safe floor covering 90% essential expenses)
- QLAAC or no (leaning towards no)
- How to invest the Social Security bridge (TIPS seem like a good idea)
- What amount to save for the Fickle Finger of Fate?
- What else to get DW for Christmas??
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