I have noticed that unless one is Tom Brady the timing of important life choices are often not optimal. One can sell the boat too soon or too late. One can downsize the home too soon or too late. You get the idea. It’s hard to get it just right. For those of us with spouses who aren’t involved in portfolio design and management how to simplify the portfolio so that it runs on auto pilot may be the next big question. Anyone else thinking about this? For me it keeps coming back to something like Wellesley….. Moderate income and some growth. And the equity allocation fits our current style.