Been mulling this over for some time but can't make up my mind on retiring in the next year or so. Grateful if you can review this and provide insights.

Emergency funds: 6 months

Debt: Mortgages 1.7m at 3% 7 yr arm, 300k at 4.75% 30 yr fixed (on rentals so fully deductible)

Tax Filing Status: Married Filing Jointly

Tax Rate: Effective 26% Federal, 7% State

State of Residence: CA

Age:55/50. DS college - expenses fully covered by 529

Desired Asset allocation: 60% stocks / 40% bonds

Desired International allocation: 15% of stocks

Please provide an approximate size of your total portfolio - almost 8 figures

**Current retirement assets**(NW = net worth)

**Real estate investments**– 60% of NW – Net returns about 100k per year

**Owned home**– 20% of NW

**Retirement accounts 15% of NW**

His 401k 10% of NW at TROW

65% VANGUARD INST INDEX , PLUS VIIIX (0.02%)

35% BLACKROCK US DEBT INDX NON-LEN DEBTM (0.04%)

Company match? 50% - 3% max

His Roth IRA 1.5% of NW at Schwab

90% Stocks various

10% treasuries

His SEP IRA 0.6% of NW at Schwab

93% Stocks various

7% treasuries

Her Traditional IRA 0.75% of NW at Schwab

99% Stocks various

1% treasuries

Her ROTH 1.2% of NW at Schwab

100% Stocks various

Her Rollover IRA 0.3% of NW at Fidelity

70% stocks various

30% bonds FNMIX

Her SEP IRA 1.4% of NW at Fidelity

100% stocks various

**Taxable 5% of NW**

40% cash in Treasuries (for investing – do not include emergency funds)

20% VTI

40% Wealthfront 70% stock, 30% bond various

**Contributions**

New annual Contributions

$20k his 401k (+ 6k employer)

$30k her SEP

$7.5k his Roth IRA

$7.5k her Roth IRA

$50k taxable (for retirement, not short term goals)

**Questions:**

1. Simplify investments

2. Work is relatively easy, but it does require time and attention. We feel we have enough to enjoy 20 to 30 healthy years. If we decide to retire in a year or so, how would we fund the expenses of about 150k considering that 80% of NW is in RE that returns about 70% of the expected expenses

3. When to claim SS

4. If we retire next year (56/51) – what should be estimated for ACA expenses? Are healthy adults who plan to be in the country for only half the year choosing different options?

Thanks

doughmeetsoil