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No. of Recommendations: 1
Wow!, CR. You seem to have this all planned out and well funded. I doubt you need much assistance from a financial planner. Your well diversifed portfolio will probably serve you well--especially if you are comfortable with the risks.

It looks like you have 6 years living expense in your short and medium term funds. Income on that should give you a nice buffer that will cover you until age 55 when it looks like dear hubby will retire and begin collecting a pension. He should also begin to take penalty free distributions from 401K plan.

The SEPP idea could be a good one, but look closely at the income tax implications. It doesn't look like you need the funds now. When is the best time to pay income taxes on those funds.

Your equity position is large, but from Fools point of view that is excellent if you are comfortable with those risks. You can increase your bond position if you want that security, but I would hesitate if you can. Your tax rate is probably maximal while you are both working. If you wait a while, your rate could be lower. I think your reserves are adequate. Don't rush.

You may also want to start looking into estate planning. It sounds like your may exceed the limits. Some of your 401K and IRA decisions also have estate planning implications. You may want to couple your retirement planning with your estate planning.

Best of luck to you.
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