Time for an advisor??

[IMhooked]

Well, .45% or less on CD’s is not making me happy, so I have another appointment with a Schwab CFP next week. She has solid credentials, along with experience. She is an independent with a brick and mortar building. We’ll see.

Bassin08 you seem back and forth. What are you looking to accomplish as a financial goal that will provide you emotional well-being and happiness? More money? Then yes get your $ moving out of low-return investments. Understand this comes with more risk but the risk must be worth the reward. You often times can't have both especially when you are in the late innings of the "game".

Is the return making you unhappy or do you simply require more?

What would an ideal meeting with a financial advisor look like? What would be the resulting plan of action moving forward?

[Bassin08]

Bassin08 you seem back and forth. What are you looking to accomplish as a financial goal that will provide you emotional well-being and happiness? More money? Then yes get your $ moving out of low-return investments. Understand this comes with more risk but the risk must be worth the reward. You often times can't have both especially when you are in the late innings of the "game".

Is the return making you unhappy or do you simply require more?

What would an ideal meeting with a financial advisor look like? What would be the resulting plan of action moving forward?

No, I don’t require more. I am just exploring my options to see if there is a different way to improve on what I am doing now. When I was working, we worked under a method (MFCI) “managing for continuous improvement”. I guess that thought process never left me.

[dvl2700]

I understand the concerns of the unknown, and wanting to do better/more than a few percent per year gain. Semi Retired because of Covid-can't travel like we want. I am also concerned about our government spending and taxes, and the likely inflation and making our current money worth less each and every day by printing more and "priming the pump". Too political to get into here.
Due to all of the above, I am continuing to work part time at 62 even though my FP, family and friends say I have enough. Scared right now ? yep. But i still try to do fun things and some stuff on my and the wife's bucket list.

It is hard to go from sacrificing and saving mindset to a spending one.
dvl2700

[digthemup]

I understand the concerns of the unknown, and wanting to do better/more than a few percent per year gain. Semi Retired because of Covid-can't travel like we want. I am also concerned about our government spending and taxes, and the likely inflation and making our current money worth less each and every day by printing more and "priming the pump". Too political to get into here.
Due to all of the above, I am continuing to work part time at 62 even though my FP, family and friends say I have enough. Scared right now ? yep. But i still try to do fun things and some stuff on my and the wife's bucket list.

It is hard to go from sacrificing and saving mindset to a spending one.
dvl2700

Fear is good it keeps you human, and the only fearless heroes I know, they are dead. However, don't let fear freeze you, but act while moving cautiously, though in my life I am blessed to be led by the Holy Spirit while being carried by the right hand of Christ.
Be well and be safe

[digthemup]

No, I don’t require more. I am just exploring my options to see if there is a different way to improve on what I am doing now. When I was working, we worked under a method (MFCI) “managing for continuous improvement”. I guess that thought process never left me.

Bassin,
There is nothing wrong with being cautious and following a good plan like you seem to have. Since you are going to see an adviser, I would like to suggest 2 funds for you to research and get her thoughts on them.
These 2 are set aside solely for my wife so that she can be provided well in the even my cores are done, and the Lord needs me to stand watch on His wall.
Dodge & Cox - DODIX 6.3% very low risk
Columbia Income Builder - RBBAX 10.2% low risk.

Bw well and be safe

[IMhooked]

Bassin,
There is nothing wrong with being cautious and following a good plan like you seem to have. Since you are going to see an adviser, I would like to suggest 2 funds for you to research and get her thoughts on them.
These 2 are set aside solely for my wife so that she can be provided well in the even my cores are done, and the Lord needs me to stand watch on His wall.
Dodge & Cox - DODIX 6.3% very low risk
Columbia Income Builder - RBBAX 10.2% low risk.

Bw well and be safe

RBBAX with that 7.5% frontload fee and both you mention with expense ratios higher than .1. As you mentioned in the beginning of this quoted response. "Nothing wrong with being cautious"