<<I have contacted several financial planners. I have been disappointed, to say the least, with the suggestions I have received.....In addition, the financial planners want about $7,000 a year for all this good help they are giving me.>>

Go back and read the 4-part posting I did last year about "draw down in retirement". That should give you something to start thinking about. The numbers are probably off, but the concept isn't.

And, heck, I'll only charge you a one-time fee of $7000. You can just drop me a check in the mail. I'll go out to the mailbox and wait for it. ;-)

Regards,
Ray