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To all of those who responded on this board and the SA Investing for Retirees board - I want to thank you for your input and for sharing what you do with your finances. All the info gives me food for thought which will lead to a plan. Thanks for the links which I found helpful and informative.
I will come up with a plan of action and present here for any input. I know one cannot give ultimate advice but would like to have some confirmation on whether our not I'm making any glaring mistakes. You all have been very helpful.

Best to all -
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