Personal Investments • Setting up a simple retirement

Hi all,

Here's the mess I have and asking for help to make it simple. Thinking we will need about $40,000 per year from investments, starting in two years if wife claims SS. I am already on SS. Each will have about $20,000 per year. Janet has a high deductible insurance plan with HSA saving $5,300/yr. $4,300 going into a Roth with the company match. Thinking changing some IRA into Roth over time.(Tax rates may be going up soon).

Emergency funds: 15.166666666666666 months

Debt: $145,000 Mortgage at 2.99% for 26 Years.

Tax Filing Status: Married filing jointly

Tax Rate: 12% Federal, 3% State

State of Residence:  AR

Age: 67 (him) and 60 (her)

Desired Asset allocation: 0% stocks / 0% bonds
  Desired International allocation: 0%
  Not sure, need help

Portfolio Size: $1.76M

Current Retirement Assets:

his Taxable at Schwab (0.2%)

Thanks for all your help!
    0.2% SCHWAB VALUE ADVANTAGE MONEY INVESTOR SHARES (SWVXX) (??%)
    0% Cash & Cash Investments () (??%)

her current 401(k) at TRowePrice (7.1%)
    7.1% T. Rowe Price Retirement 2025 (TRRHX) (0.54%)
    0% () (??%)

her Traditional IRA at Schwab (62%)
    10.8% SCHWAB US LARGE CAP GROWTH ETF (SCHG) (??%)
    7.2% SCHWAB US DIVIDEND EQUITY ETF (SCHD) (??%)
    6.4% VANGUARD S&P 500 ETF (VOO) (0.03%)
    3.8% SCHWAB FUNDMNTL US LARGECOM ETF (FNDX) (??%)
    2.8% SCHWAB US LARGE CAP ETF (SCHX) (??%)
    2.6% SCHWAB FUNDAMNTL US SML COM ETF (FNDA) (??%)
    1.8% ALPHABET INC CLASS C (GOOG) (??%)
    1.2% SCHWAB US SMALL CAP ETF (SCHA) (??%)
    0.8% NVIDIA CORP (NVDA) (??%)
    0.8% VANGUARD DIVIDEND APPRECIATION ETF (VIG) (0.06%)
    0.4% ENERGY SELECT SECTOR SPDR ETF (XLE) (??%)
    0.3% NETFLIX INC (NFLX) (??%)
    0.2% ISHARES SEMICONDUCTOR ETF (SOXX) (??%)
    0.2% CROWDSTRIKE HLDGS INC CLASS A (CRWD) (??%)
    1.3% SCHWAB INTERNATIONAL EQUITY ETF (SCHF) (??%)
    8.9% US TREASUR NT 2%02/25UST NOTE DUE 02/15/25 (912828J27) (??%)
    2% SCHWAB FUNDAMNTL INTRNL EQT ETF (FNDF) (??%)
    2% Cash & Cash Investments () (??%)
    0.9% SCHWAB VALUE ADVANTAGE MONEY INVESTOR SHARES (SWVXX) (??%)
    7.4% THE BANKERS BANK 4.5%26CD FDIC INS DUE 05/26/26US (06610QFC0) (??%)

his Traditional IRA at T Rowe Price (6.8%)
    6.8% Blue Chip Growth Fund (TRBCX) (??%)

his Traditional IRA at Vanguard (5.5%)
    4.4% VANGUARD SMALL CAP INDEX ADMIRAL CL (VSMAX) (0.05%)
    1.1% VANGUARD CASH RESERVES FEDL MONEY MARKET ADMIRAL CL (VMRXX) (0.1%)
    0% VANGUARD FEDERAL MONEY MARKET INVESTOR CL (VMFXX) (0.11%)

his Traditional IRA at Vanguard (3.2%)
    1.4% VANGUARD DIVIDEND APPRECIATION ETF (VIG) (0.06%)
    0.4% NIKE INC CL B (NKE) (??%)
    0.9% VANGUARD FEDERAL MONEY MARKET INVESTOR CL (VMFXX) (0.11%)
    0.4% VANGUARD CASH RESERVES FEDL MONEY MARKET ADMIRAL CL (VMRXX) (0.1%)

his Roth IRA at Schwab (14.5%)
    7.1% AMAZON.COM INC (AMZN) (??%)
    1.7% UNITEDHEALTH GROUP INC (UNH) (??%)
    1.5% APPLE INC (AAPL) (??%)
    0.6% FEDEX CORP (FDX) (??%)
    0.6% BERKSHIRE HATHAWAY CLASS B (BRK/B) (??%)
    0.5% MASTERCARD INC CLASS A (MA) (??%)
    0.1% BECTON DICKINSON & CO (BDX) (??%)
    0% PHINIA INC (PHIN) (??%)
    1.8% SCHWAB VALUE ADVANTAGE MONEY INVESTOR SHARES (SWVXX) (??%)
    0.5% Cash & Cash Investments () (??%)
    0% Description (SYMBOL) (??%)

her Roth IRA at Vanguard (0.5%)
    0.5% VANGUARD CASH RESERVES FEDL MONEY MARKET ADMIRAL CL (VMRXX) (0.1%)
    0% VANGUARD FEDERAL MONEY MARKET INVESTOR CL (VMFXX) (0.11%)

her Roth IRA at Vanguard (0.3%)
    0.3% COCA-COLA COMPANY (KO) (??%)
    0% VANGUARD FEDERAL MONEY MARKET INVESTOR CL (VMFXX) (0.11%)



Questions:
1.Have to many accounts and would like to make it simple. Wife retires at 62 and I am already retired. thinking to keeping both Vanguard and Schwab for safety.

Statistics: Posted by forlonghaul — Tue Jan 07, 2025 1:50 pm — Replies 2 — Views 206

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