Q. When I retired in mid-1999 at age 66 ½, I had $441,000 in IRA and 403b accounts. I hired an independent financial advisor who rolled the money into big-name mutual funds at Schwab. They were 60 percent stock, 30 percent bonds, and 10 percent money market. For the first 2 ½ years I took $1,700 a month...
