Expensive Quentin,
I’ve been with my spouse since 1993. We lived collectively for just a few years and, in 2004, we lastly married. We’re each in our 60s. When my spouse retired, her firm supplied a one-time payout of roughly $1 million, which our monetary adviser put in her identify in IRAs. We’re comparatively rich: now we have money financial savings of $300,000 and different investments of $3.2 million, which embody that $1 million payout. The remainder of our wealth is made up by a mixture of joint funds (held in shares and many others.)…