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My DH is a University of California retiree. I have recently retired from an exciting and exhausting career in hi tech. We have lived rather conservatively and are debt free, and have significant real estate in addition to our home. We have worked with an attorney and do have an estate plan, wills, etc.

Now that I have time to really look at our investments, and having read the Bernstein books, among others, I'm wondering about asset allocation. I have most of my retirement in pre-tax accounts. Most of the value of DH's retirement is in his pension. I believe a relatively conservative allocation strategy will allow us to withdraw less than the recommended 4%/year, but I don't want to be overly conservative. How should I treat the NPV of his pension in considering how to allocate my retirement assets?

I think, now that I have more time, that I might enjoy doing *some* investing in individual stocks, but wouldn't want that to be the major portion of my portfolio.

I've read a number of threads on this and other boards, but haven't seen anything that quite matches my situation. Any advice will be appreciated.
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