A life situation hit our family this year and I'll be retiring early. I might work for a few more years because I have opportunities, or I might not. In the meantime, there has been life insurance proceeds, a large home sale with a large profit (no cap gains here because of my wife's passing) and a nice 401k I've moved to Schwab. I've been doing some iterative financial planning using Claude and I've been risk adverse and in bonds and HYSAs, but I need exposure for something like VT for my plan
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