UPDATE:
Since the last post in 2015 this is what I have done.
We sold the boat and property at the lake.
I transferred our accounts from Ameriprise to Vanguard and also set up some Roth IRA's with VG.
We opened a taxable account at Betterment for our emergency savings.
I posted our investment info to the Bogelhead Forum and threw myself at their mercy.
Following their advice I treated our investments as one family and balanced accordingly. My wife and I are at a 40/60 Asset Allocation.
My wife's investment pretty much make up our bond allocation. She had one good choice of a MF that had a low expense ratio and we put most of our bond money there.
We adjusted our Vanguard selection to get it to the 40% equity, we have index funds for the broad market and some global.
We currently owe only on a new car which is at 0% interest. We think our future will take us to Colorado and wanted a good foul weather vehicle for this. We went with a Subaru Outback pretty much loaded. If we get stuck in a snow bank and starve we can eat the leather seats.
Although I received much good advice from this forum and the Bogelhead forum I wanted a Certified Financial Planner to go through everything with a critical eye. I'm a much better electrician than an financial analyst. We used a local CFP that agreed to do it for hour fee only but were very disappointed in the product he gave us. He basically took all the data I gave him, dumped it into his RetireUp software and hit print.
We looked around, using Garrett Planning Network and found a CFP in Carrollton, Texas that appealed to us. He is only an hourly fee for services and offers no products to purchase. He was a very good fit for us. He pointed out some things we should be doing different and some tax situation to be aware of.
Wife is going to retire at age 58 in about 4 months, I am working part time only driving for a buddy when he needs equipment delivered.
We plan on hitting the road in our fifth wheel and truck and spending about 75% of our time on the road. May do some work camping or Habitat For Humanity work camps. Wife has some possibilities teaching software and going genealogy for hire.
My son will live at home. He is working fulltime and doing college part time but that will change. He plans on going to school full time and working part time so he can get his degree sooner and not have the stress he has where he works in conjunction with the stress of school.
Daughter is getting married soon and has moved to Colorado. (Remember the Subaru? That's the reason)
So in about four months time the only debt we will have will be the car, which we have been paying off in record time. We will need to buy our own health insurance for a few months and then see what shakes out with the ACA.
I plan on doing a bit more lurking here to cut expenses. Food is our biggest. I love to cook but don't cook simple, I need to change that habit. Wife and I are not picky eaters so we can be flexible in our choices.
I wish to thank all of you that encouraged me to move my investments, I am doing so much better now. Even with the recent "corrections" to the stock market.
Best wishes,
Diogenes