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Thank you to all who replied - you have answered two questions that I've been thinking about for quite a while

1. How to treat DH's pension when calculating percent of fixed assets vs equities in our retirement portfolio (I'm planning to look into the Buckets of Money approach)
2. I shouldn't confuse owning real estate with an allocation to REITs - they are liquid and income producing while our real estate is not liquid and is not a reliable source of income. I should at least consider REITs as part of our portfolio because of low correlation with other asset classes.

I have made good estimates of our spending patterns over the last 10 years or so, so I'm pretty sure I know how much I'll need to withdraw from our portfolio each year. I appreciate being reminded by BruceM that there is no need to take more risk than is needed to produce the required return.

This was my first post to a Fool discussion board, and I am very impressed with the result. It definitely will not be my last. Again, thanks to all!

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