The LTC deductions must also exceed the standard tax deduction make a difference on your taxes. To claim this medical expense deduction you must itemize on schedule A to utilize tax-deferred IRA or 401K dollars to pay for long term care (LTC) expenses on your taxes that exceeds 7.5% of your Adjusted Gross Income (AGI).
VMLUX – 75%VANGUARD LTD TERM TAX EXEMPT ADMIRAL CL7012 Bonds with an Average duration 2.6 years30days SEC yield as of 12/04/2025 3.05% AVBIL – 25%VANGUARD 0-3 MONTH TREASURY BILL ETF26 Bonds with an Average duration 0.1 years 30days SEC yield as of 12/04/2025 3.86% A
Here is a Bogleheads link for more info on the Fixed Percentage Withdrawal.
It shows a comparison of the fixed vs inflation adjusted withdrawals. https://www.bogleheads.org/forum/viewtopic.php?t=430990
Thanks for alerting us to one more cost associated with having Fidelity accounts! I need to pay closer attention to Fidelity fees vs. the more investor-friendly Vanguard. Here is an interesting article on hidden Fidelity costs. Family FirstHow the owners of Fidelity get richer at everyday investors’ expense
Comments
I will pay the Roth conversion taxes quarterly or in the conversion quarter with form 2210 (Annualization) Thank You for the post!
Post: Don’t Let a Roth Conversion Trigger a Penalty
Link to comment from July 11, 2026
The LTC deductions must also exceed the standard tax deduction make a difference on your taxes. To claim this medical expense deduction you must itemize on schedule A to utilize tax-deferred IRA or 401K dollars to pay for long term care (LTC) expenses on your taxes that exceeds 7.5% of your Adjusted Gross Income (AGI).
Post: How do you prepare for the long term care cost as retiree?
Link to comment from June 28, 2026
VMLUX – 75% VANGUARD LTD TERM TAX EXEMPT ADMIRAL CL 7012 Bonds with an Average duration 2.6 years 30days SEC yield as of 12/04/2025 3.05% A VBIL – 25% VANGUARD 0-3 MONTH TREASURY BILL ETF 26 Bonds with an Average duration 0.1 years 30days SEC yield as of 12/04/2025 3.86% A
Post: Where to Keep Cash
Link to comment from December 6, 2025
Here is a Bogleheads link for more info on the Fixed Percentage Withdrawal. It shows a comparison of the fixed vs inflation adjusted withdrawals. https://www.bogleheads.org/forum/viewtopic.php?t=430990
Post: Spending It
Link to comment from January 20, 2025
Thanks for alerting us to one more cost associated with having Fidelity accounts! I need to pay closer attention to Fidelity fees vs. the more investor-friendly Vanguard. Here is an interesting article on hidden Fidelity costs. Family FirstHow the owners of Fidelity get richer at everyday investors’ expense
- By Tim McLaughlin - REUTERS
- Filed Oct. 5, 2016, noon GMT
https://www.reuters.com/investigates/special-report/usa-fidelity-family/#:~:text=Fidelity%20Investments%20is%20owned%20by,the%20private%20venture%20capital%20arm.Post: Fidelity Brokerage Cash Interest Rate Changes
Link to comment from January 11, 2025
Ken, Thank you for the well-written article about your Parent's Retirement. It's an inspiration to recognize the need to chronicle my family history.
Post: My Parents’ Retirement
Link to comment from October 2, 2024