I wish to once again thank all who have advised me. I have decided to keep the Dear Wife's TIRA & concentrate more future investments into LTBH brokerage, along with starting a Roth for DW next year. I never mentioned that she is lazy (I mean, of course, non-working) & I am nine years older, hoping to retire in a mere 12-15 years. This will help dictate into what formats should invest over that time frame, and I think you folks have given me the tools to make reasonable choices among them.Byron
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