You have no debt other than an extremely reasonable mortgage. It doesn't sound as though you have any dependence or anyone who's relying on you for their cost of living. And it seems as though you are well versed enough in personal finance to have an educated and experienced degree of risk tolerance. That said, i think moving at least one and a half to two years worth of expenses into cash or cash equivalents before you fully retire could help soften sequence of returns risk.

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