Many, many individuals have tried to control/direct what happens to their funds from beyond the grave. Even among the very wealthy, very few have succeeded. Set things up so your spouse will have sufficient guaranteed income to live comfortably after you die, and the rest will work itself out one way or the other.It's really not that complicated, IMO. There are optimizations that could be simplified, but it is a boglehead portfolio (with SCV tilt).The details of a simple investment portfolio/plan shouldn’t make a persons head swim.
Is it possible that the potential problem you’re describing isn’t your wife, but rather the complexity of your portfolio/plan?
There are some topics (ACA subsidies, Roth conversions, which accounts to pull from and when) that could make a big difference to portfolio balance down the road that may seem straight forward to many here, but would strike the average person as very complex.
Wrench
Statistics: Posted by Wrench — Sat Jul 20, 2024 12:29 pm — Replies 38 — Views 2108