Thanks Myscha for your understanding that this is just a concept, separate from what a full financial plan should look like. In fact, I also mentioned something to this effect in my last comment here.

re: Interest Rates - ING 's Orange Savings Account (a liquid guaranteed investment which many seniors gravitate towards) is currently paying out 4.3% interest. If this is off base and there are other liquid guaranteed investments that yield higher returns, then please do share them with us all! I'd love to see what "accurate" looks like. I'm game for making the most money that I can!

"But it is a great suggestion if you happen to sell either of or both of these vehicles. Commissions are a wonderful thing."

I hope this isn't an implication that I might be trying to gain business through Wise Bread. I couldn't make commissions or get business through Wise Bread if I wanted to! Belive it or not, I actually just write to educate and provide thought-provoking articles.

It's such a shame that we are constantly shrouded in suspicion of being "pitched" to in some way, or fearful that a hidden agenda is always prevalent. It says something scary about our society in general.