kw,Congratulations to you for working up a comprehensive plan! You're doing great, and I think that you are on track for a nice retirement!A couple of suggestions: 1) Roll-over the $285k 401k account into an IRA 2) Roll-over the $300k retirement plan lump-sum into a separate IRA 3) Use the calculator at http://www.dinkytown.net/java/Retire72T.html At age 55, your husband can withdraw approximately $1600 per month from each of these IRAs, creating a supplemental income stream of about $3200 a month. From what you said about your expenses this seems about right. This is a 6.4% withdrawal rate. While this is higher than the generally accepted "Safe Withdrawal Rate" it might be appropriate for you for two reasons. 1) The 4% SWR assumes that you increase the withdrawal every year to adjust for inflation. You won't be doing this since it's an SEPP withdrawal it will be constant. 2) At age 62, your husband can draw start getting Social Security and this would offset the effect of inflation.I suggest an assumption of 7% returns in your IRA accounts. And as far as asset allocation for those IRAs, I would think 40/60, 50/50 or 60/40 between stocks and bonds would be about right. Trust me, when the stock market has a bad year or two, you are really going to like having those bonds.I know that Vanguard is a favorite around here, but I'm with Fidelity and very happy. Look at their Spartan funds. These have very low management fees and are similar to Vanguard. Let us know how it goes!CG
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