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@livesoft Thank you so much for the detailed lucid answer covering all my concerns in the correct overall context. I have my homework set for some time ahead. I am going to assume that there is nothing wrong in re-balancing in a couple of swift steps as opposed to a slow transition. At some point I'...

Sorry for a very long first post. It is yet another individual situation. The questions are at the end. Age: 52 with non-working spouse Emergency funds: Covered Debt: None Responsibilities: Over Tax Filing Status: Married filing Jointly Tax Rate: Highest State of Residence: NY Portfolio size is suff...