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No. of Recommendations: 3
FC:" I assume the general pattern will be to sell up to 4% across the board, and perhaps 3% (75% of the 4%) from equity classes to keep the risk profile from creeping up."

Depending what your 401/IRA balance is, and the fees collected each year, if you have a near zero cost IRA, your dividends on your stocks will likely give you half of your RMD each year. You won't have to sell much of anything each year in the IRA.

Same for investments outside your 401K/IRA.

If you take your pension too soon, you might find that your 'low cost' ACA plan isn't all that low cost. You've got to be low 'taxable income' to qualify for big discounts.

If your company offers COBRA you might want to check into that....

You need a plan from 59 1/2 to the point when you take your pension and or SS.

Then a plan for after that......

Then integrate the two.

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