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We have $1.5 million we don’t intend to ever use in retirement – how do we invest it if we plan on giving it to our kids one day?

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‘I feel like I’m investing just to afford taxes and broker fees.’ I’m 72, have a cushy amount of money invested and was withdrawing 4% a year, but once I pay fees and California taxes that won’t be enough. Should I ditch my financial adviser?

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