Steve (caller)

Steve, a retired small-business owner, inherited $500,000 in CDs and seeks advice on managing this windfall in light of his retirement plans. They discuss whether to invest or keep it liquid for peace of mind. Jill emphasizes a balanced withdrawal strategy, encouraging Steve to preserve his Roth IRA while considering municipal bonds for better tax efficiency. They also address the importance of financial comfort with advisors and the need for a second opinion on investment choices. Ultimately, it's about protecting his financial future while ensuring a safety cushion.