Plan

  • Simplify and organize to to retire comfortably.
  • Live off returns from assets and keep the base.
  • Have all the major items we want.
  • Complete the divorce and pay off house and boat.
  • WSFS Consulting as long as its fun (abt $20k/yr).
  • Volunteer time to environmental and other organizations.
  • Evolve the family history to pass on to kids.
  • Hobbies include boating/fishing/crabbing and water related.
  • Some travel each year (boat, van, air).
Budget Value Factor Annual Action
Monthly
House 3,500 12 42,000 V E
Boat 700 12 8,400 V E
Food 500 12 6,000 V E
Health Insurance 500 12 6,000 V E
HOAs 425 12 5,100 V E
Entertainment 250 12 3,000 V E
Electrical 200 12 2,400 V E
Video Servcies 200 12 2,400 V E
Internet (Breezeline) 100 12 1,200 V E
Verizon (Phone) 80 12 960 V E
Quarterly
Estimated Taxes 7,500 4 30,000 V E
QAC Utilites 450 4 1,800 V E
Annual
Travel 10,000 1 10,000 V E
Boat Gas 2,000 1 2,000 V E
Gifts 2,000 1 2,000 V E
Car Insurance 1,500 1 1,500 V E
Boat Insurance 1,000 1 1,000 V E
Boat Maintenance & Storage 900 1 900 V E
Boat Slip 550 1 550 V E
--- --- --- 127,210 ---

Asset Value ROR Income Action
WF - Brokerage 702,000 5.0 35,100 V E
FID - Tektronix 401k 617,000 5.0 30,850 V E
ML - IRA (Ron) 328,000 5.0 16,400 V E
FID - BD 401k 210,000 5.0 10,500 V E
ML Taxable 197,000 6.0 11,820 V E
CSA Medical 401k 151,000 5.0 7,550 V E
WF - Brokerage IRA 104,000 5.0 5,200 V E
ML - IRA Roth (Ron) 64,000 5.0 3,200 V E
FID - Tektronix Cash Balance 50,000 5.0 2,500 V E
Social Security 36,000 100.0 36,000 V E
WF - IRA 1,000 5.0 50 V E
WF - Savings 4569 500 4.0 20 V E
Total 2,460,500 --- 159,190 ---