Quote:
Originally Posted by retiredguy123
OP, note that my post was based on the premise that you have already decided to move your stocks and balanced target fund into a 100 percent fixed income IRA. If that is the case, then I think my suggestions are appropriate. However, there is no way that anyone can advise you on how to structure the overall diversity of your investments without considering your total financial and life situation, including your age, income, and other assets. I am not a proponent of financial advisors, but you may need to consult with a fee only planner, who is a fiduciary and who will not try to sell you commission based products. I believe that any investor can use Vanguard products to design a retirement portfolio. You can probably get some good advice from a Certified Financial Planner who works for Vanguard. There may be a small fee. Good luck.
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Oh of course. I appreciate your input. You're always very helpful. A fee only advisor is who I had consulted.