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It looks like Guided Pathways is a managed account per the fee disclosure document located at your link and I do not think you would need to enroll in it (it's optional). The Vanguard funds' expense ratios would be excellent at .04% without the added asset management fees. The fee disclosure documen...

Your expensive ratios are much higher than mine also. You should follow sergeant's suggestion to speak with HR if you're unhappy. ICMA has a fee disclosure document. Click on "Access My Accounts". I have a menu along the left side of that web page. "Fee disclosures" is under &quo...

Assuming that the $75,000 year does not include income taxes, then you probably need $90,000 to $100,000 in income to maintain your current lifestyle. Let's say $95,000. That leads to a net of $75,000 needed after your pension. If you take no more than the consensus 4% safe withdrawal rate, then yo...

When is his lease up? You need a new tenant!

I'm curious why you think the other options in your plans are not good options.

Does your hospital have patient support group? That might be a viable alternative.

Guaranteed Income Fund - ER 0.2 Prudential Stock Index PSIFX - ER 0.25 Maybe go with these two in the 457b and get international in his IRAs. Is that guaranteed income fund akin to bonds? His wife is a VA employee. I will have him check her benefits and what her options are. He is only putting in a...

Are you positive those expensive ratios are correct? You have the expense ratio for PSIFX as 2.25%. Morningstar shows an expense ratio of 0.25%. You listed the expensive ratio for POSAX (another Prudential Fund) as 1.32% the same amount listed on Morningstar.