Could do nothing & likely end up just fine. In retirement better off average family 4 in NoCal SF Bay area excluding paid off house, 6 figures annually & in bank. Wife provides complete 2ndary high end PPO to supplement Medicare. Complimentary mixed race couples W/ shared values usually most successful.
Problem W/ my annuity is other than rock solid 4% money market with well funded insurance company to provide MDR in down market in 4 years, I need overall 5 % total. Managers of 457 won't privately manage for fee, institutional funds they offered to employer I retired from. I need to at least to meet a double down sucks to be us health scenario, after exhausting long term care insurance. Put half a bill and got 18% in a small daily managed roll over IRA for small part of it, but need bit more similar in stocks, a proposal I'm reviewing.
Want $10K- $20K moon shot advice to present to our broker for what looks the best for him to invest for us. All our nieces and nephews very or exceedingly successful both sides. Unlike my wife raised as a rich man's daughter in 3rd world country, our broker a US citizen because of his father's tenacity. His father brought whole family as LEGAL immigrants. We share a low family income in common, upbringing, and similar values. If I had a sister, sister in law, or niece his age, he'd make a good husband & relation. Looking for something Roger can't pick apart; including some of his employer's offerings I've mentioned.
Would be fantastic to leave a legacy Dems & Lefty's hate: Mixed race, 50 until death marriage, chiding Dems with excellent American & Chinese majority & minority pedigrees: Jewish ancestor fighting in Revolutionary War. (Every generation serving US Military) and Hui/ Silk Road Simper Fi quality faithful Han Muslim General serving Tang Court. Today his ancestors serve US or Taiwan.