u/Fickle-Vegetable961

Like the title says. My government contract got whacked, I decided I’m retired, started digging and whoooo doggies I’m gonna be up to my neck in taxes if I don’t start rolling into Roth and maybe I should invest more conservatively now instead of 99% equities.

Don’t want any of that AUM crap, no commission based recommendations, flat fee not fee only (yes there’s a difference) no investment advice needed (basic boglehead philosophy) mainly how do I steer around the rocks now that I’m done working and RMD is down the road. Give me a plan for taxes and rebalancing allocations.

They must be tolerant of someone with an engineer personality who will probably show up with graphs and excel spreadsheets. I want math.

No hard sell types. Professional credentials required.

Thank you in advance.

So about 15 years ago my estate attorney told me I should have a financial advisor. I said why, I’m already doing better than most people? She said see if you have any gaps. So I went.

Advisor had me move two 529 plans in state to save taxes and do some back door Roth accounts. Those accounts have gotten big but the advisor still has less than 10% of my money AUM. Yes and it’s Edward Jones. But I got busy with life. Was always gonna do it later. I got involuntary retired 5 months ago.

Took a class this spring taught by a Wells Fargo advisor and I’m thinking of moving the EJ money to WF. I’m done accumulating what I need help with is pre tax to Roth rollovers, tax strategies and maybe a better place to put liquid money than HYSA. I’m still 95% equities at 61. So WF is going to look it over this week and I’ll ask some hard questions about fees. They’re probably better than EJ.

Best post retirement advisors?

I’ll probably continue to self manage 90% of it via Vanguard accounts. Index accounts is of course where my millions sit. But I wouldn’t mind help navigating the rollovers.