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I tried running the calculator using your suggestion that I change all cola, investment, and inflation values to 0, and the best scenario seems to be either collecting at ages 66 and 62, or 66 and 67, depending upon how things look health wise. A previous poster's suggestion that we review the numbe...

The calculator I used, SSCalc.net, calculates a Cola increase, and presents totals for each year under a column titled, " Accum Discounted Cash Flow NPV" and a column titled, , "Accum. Real Cash Flow. His dob is 1953, mine 1962, his FRA is 66, mine is 67. It would probably be useful t...

Well, if he passed away at the age of 75, I would be 66, one year shy of FRA. Waiting one more year to file under my FRA would mean that I collect his full benefit. Assuming I live until 85, I would collect for another 19 years. The question then becomes what is the best age for him to apply for ben...

Thanks everyone for the responses so far. I can't help but focus on the total amounts collected, assuming my husband lives to 75: filing at ages 62 and 62 $426,941 filing at ages 66 and 62 $364,272 filing at ages 70 and 62 $263,512 filing at ages 70 and 67 $217,556 Assuming we have enough resources ...

Well, it's hard to say, of course, when someone will die, though he has
suggested that he doesn't think he'll live past 75 : (
I think I understand what you are getting at: the issue of survivors benefits
and how the age of when he files is going to determine my eventual benefit?

I'm unsure what you mean, and I probably didn't explain myself clearly. I ran four retirement scenarios: spouse at 62, me at 62 spouse at 66, me at 62 spouse at 70, me at 62 souse at 70, me at 67 His benefit is $1800 at age 62, $2500 at 66, $3400 at 70. My benefit is entirely based on his record. Th...

Hi, everyone: I am a non-working married spouse of someone 9 years older than myself. I have been looking around online for a ss calculator that I can plug in our values to try to figure out whether my husband should file for ss early, at FRA, or wait until age 70. The T-Rowe Price calculator does n...

BrandonBogle, I left you out! Sorry about that! I am working on convincing my husband that a simple three or four fund portfolio would be much easier to manage and would enable me to sleep better at night. He doesn't disagree with simplifying the investments, but coming to an agreement about out how...

Peter Foley, your comment that portfolio funds amounting to less than 5% "do not add much diversification nor are they large enough to increase the overall performance of a portfolio," is very helpful. I thought about that comment all evening, and it is certainly an argument for simplifyin...

JT, I listed my stats in another posting.
Thanks for your reply, if you have time, I'd love some advice!

Hello, I recently posted a question regarding a 403b in-service rollover to a T-IRA and received excellent advice. Many, many thanks to all who posted. I'm back with questions about our portfolio. I read the guidelines regarding format when posting this kind of question, so here goes: I am 51, husb...

Hello, all. I posted a question last November regarding a 403b to IRA in-service rollover and received very good advice,
so here I am, hoping for some more advice.

Thanks for everyone's help and speedy replies.
My husband is contacting HR as I type.
One other question: would anyone know if there is a ceiling on the amount
of a rollover?

My husband has been working for a local hospital as a physician for almost 20 years. He is 59.5 years old as of this past summer. We have never been particularly happy with the mutual funds that the hospital offered through its traditional 403b and 457 plans, but went ahead and fully invested due to...