Has anyone used David Graham, MD from FIPhysician for retirement advice?

[Kennyt7]

The Distribution phase is a bit more challenging but nothing you cannot learn
Roth Conversions and Tax efficiency are the keys
Michael Kitces writes about tax diversification in the distribution phase
Most docs have large IRAS so the RMDS are what they are
If you live in Florida you cannot gripe about paying 15-20 Federal up to around 400k AGI

[Kennyt7]

David Graham, from reading some of his articles at his site, seems to be quite knowledgeable and as an advice only advisor I would not be hesitant to use him
read his blogs

[StateOfMyHead]

Refreshing to find someone willing to assist with the fine tuning rather than requiring I move all my holdings to their company.

[blippi]

The Michael Kitces website is giving me Tim and Eric flashbacks, which is a good thing. Great job.

[Tangler]

Like his info! Seems like a smart critter!

[Tim]

The Distribution phase is a bit more challenging but nothing you cannot learn
Roth Conversions and Tax efficiency are the keys
Michael Kitces writes about tax diversification in the distribution phase
Most docs have large IRAS so the RMDS are what they are
If you live in Florida you cannot gripe about paying 15-20 Federal up to around 400k AGI

If you really want to get into the weeds (including the soil composition!) this dude dives deep into the withdrawal strategies.
https://earlyretirementnow.com/safe-...l-rate-series/

FWIW, the most difficult behavioral finance issue to come to grips with is who gets the tax benefits of of Roth conversions. You, your spouse or the kids (inherited IRA's)?
The problem comes simply because you don't know who is passes away and how long the runway is. Emotionally, it is tough to pull the trigger and pay more taxes currently and pass on the tax free growth. Combine that with the potential of rate increases and self analysis is tough to make decisions. Much room for procrastination when dealing with potentially long time lines. Competent outside opinion like David Graham might be very useful.

[bovie]

He's definitely a smart guy and presents good financial information...but his writing is total garbage. Misspelled words all over the place, poor grammar seemingly every sentence. Makes it borderline unreadable.

Such a shame, because I actually like his stuff but can't make it through more than a couple paragraphs!

[StateOfMyHead]

Looks like he raised his price to $275hr which is still well worth it to me.

[Kennyt7]

Spoke with David Graham recently
VERY very knowledgeable and worth an hour review
likes the 3 fund portfolio as well as simplifying your portfolio for many good reasons
his website has excellent articles

[Kennyt7]

Anyone here in need of an advisor in case we can no longer manage it as many many couples will experience
I would need a CFP an hour a month for my wife
Not willing to pay Vanguard 15k/yr for the same
Surely there are FEE ONLY advisors; 250-300/month