Subject: Re: Thoughts on Retirement Investing

Thanks.

The biggest headache is just dealing with all of the accounts. Once Schwab moves my money from TD that will be one less account. Fidelity I just have to deal with a bunch of accounts for a while due to having some typical accounts (Roth, IRA, taxable and HSA) as well as inherited accounts (Roth, IRA) and for some reason Fidelity has my father's roth in 2 separate accounts since the money came from 2 different companies. I need to call them up and combine that money.

I'm planning to convert the inherited accounts sooner than later since I'll need the money. In my TD account I will try to do some Roth conversions over the next 5 years while income is lower and controllable.

I've found it is best to diversify within reason to account for the unknowns that always come up. Just a couple of years ago we were dealing with near zero rates and now everyone is complaining about high rates despite them being fairly low compared to much of history and not close to the double digits I can recall graduating school.

(I'm not against preferred stocks and its possible with the higher interest rates on treasuries some preferreds might be bargains now. I do have about 5% of my money in the WFC-pL that I got under par a long time ago.)

Thanks
Rich