Search found 9 matches

by fingineer
Mon Jun 19, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: Is accelerating an equities glide path a market timing strategy?
Replies: 1
Views: 249

Is accelerating an equities glide path a market timing strategy?

We are pursuing early retirement this year. I've read a lot (here and elsewhere) about asset allocation strategies, and we've decided to pursue a rising glide path approach to mitigate sequence of returns risk. https://www.kitces.com/blog/should-equity-exposure-decrease-in-retirement-or-is-a-rising-...
by fingineer
Sun Mar 12, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: FI, early retirement at 40, how to get relevant tax advice?
Replies: 46
Views: 5879

Re: FI, early retirement at 40, how to get relevant tax advice?

Have you looked at Flexible Retirement planner yet? http://www.flexibleretirementplanner.com/wp/ I really think it's a good tool to have in the kit. It really helped me see the effect --non-effect of my planning. Have you found a similar tool you liked better? I haven't used FRP yet. I've spent qui...
by fingineer
Sun Mar 12, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: FI, early retirement at 40, how to get relevant tax advice?
Replies: 46
Views: 5879

Re: FI, early retirement at 40, how to get relevant tax advice?

Fingineer, I am in a very similar situation (age 42) with similar combined incomes and higher net worth. My kids are older (12 & 9). Your post is very encouraging for all of us who want to retire quickly; but, at the same time, I do want to caution that kids get very expensive as they grow olde...
by fingineer
Thu Mar 09, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: FI, early retirement at 40, how to get relevant tax advice?
Replies: 46
Views: 5879

Re: FI, early retirement at 40, how to get relevant tax advice?

Thank you all for the great feedback. I especially appreciate cautionary notes as far as whether we can retire and afford the right lifestyle. I want to share a bit of the motivation for retiring early. My wife's parents both saved aggressively and had simple middle class lives. They retired at 65, ...
by fingineer
Thu Mar 09, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: FI, early retirement at 40, how to get relevant tax advice?
Replies: 46
Views: 5879

Re: FI, early retirement at 40, how to get relevant tax advice?

Thanks for the links to the "no taxes" threads. Lots to read there. Another head start I have is that my father retired at 55 with three million, and he's kept detailed records of all of his income streams and taxes every year, and shared his tax returns with me. His approach to tax manage...
by fingineer
Thu Mar 09, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: FI, early retirement at 40, how to get relevant tax advice?
Replies: 46
Views: 5879

Re: FI, early retirement at 40, how to get relevant tax advice?

$40K per year fixed (essential) expenses seem low (if you say$25K is in health care and property taxes). ... I would also add a comment on your child. ... Lastly, I think someone covered this, but maybe you should do some Roth conversions Thanks for the great thoughts. My basis for the 40k fixed wa...
by fingineer
Wed Mar 08, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: FI, early retirement at 40, how to get relevant tax advice?
Replies: 46
Views: 5879

Re: FI, early retirement at 40, how to get relevant tax advice?

What is the rational for taking more than the RMD out of the stretch IRA? It seems to me that you would be better off doing 25k/year of ROTH conversions and use taxable money to keep you in the 15% bracket. At a high level I would max out the 15% bracket every year and I would do it by doing as muc...
by fingineer
Wed Mar 08, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: FI, early retirement at 40, how to get relevant tax advice?
Replies: 46
Views: 5879

Re: FI, early retirement at 40, how to get relevant tax advice?

You might try running some scenarios at i-orp. https://www.i-orp.com/ORPparms.html You also might read the 3-peat paper. https://www.i-orp.com/3-PEAT/3-PEAT.pdf Thanks for the link to Welch's paper. I'll give it a read. The i-orp site is what made me start thinking seriously about Roth conversions....
by fingineer
Wed Mar 08, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: FI, early retirement at 40, how to get relevant tax advice?
Replies: 46
Views: 5879

FI, early retirement at 40, how to get relevant tax advice?

My wife and I are coming to realize that we are in a position to retire very young, perhaps as soon as immediately. We are 40 years old with a 4yo kid, making around 550k/year, and our net worth is $4M. We've done well through having both my wife and I rise through middle management in silicon valle...

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