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I am planning to retire on June 1, 2000 at age 55. My current investment portfolio is as follows:

$600K - 401K
$300K - cash balance pension
Mutual Funds and Cash - $100K

I'm not certain how to best invest money in my retirement years, especially considering that I won't be 59 1/2 at retirement. Should I hire a financial guru to set up a 72T distribution plan or, is this something I can do myself???? We've met with three financial planners who each promise us that if we hand over all our investments, they guarantee us we will live happily ever after. One guy told us we would never have to work again.

While my wife (age 40) and I realize that we may have to pick up jobs during our retirement years, is it realistic for us to expect $80K in disposal, after-tax income each year? We are currently debt-free.

I'd appreciate your comments. Thanks!
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