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I am 63 my wife is 60 and I will be retiring for the second time in November. MY wife retired from her teaching job about a year ago with a very small teacher pension. I worked for a company for 32 years and was lucky enough to reach the magic number of years of service and age to get my full pension. I chose a lump sum payout. I went back to work in a little of 2 years ago and in November it will be three and I will be eligible for the company match to their enhance retirement plan.

My question is based off of fear in managing my retirement funds to last from 64 on. I have used some companies like Smith Barney, Fidelity and others but I always seem to get upset about the fee's they charge whether the money they manage grows or not.

How easy is it to manage your own funds and anyone have good suggestion for getting educated on this process.
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