What to do with a $2.4 million retirement portfolio

Sometimes the harder question isn't whether you'll have enough, but what to do once you clearly have more than enough. This piece looks at a couple in their late seventies with a sizable dividend portfolio, healthy pension income, and far more than their lifestyle requires. The interesting turn is that the real work here isn't picking better investments, it's deciding where the money should eventually go: to family, to charity, or some mix of both. The discussion touches on tax-smart giving, including donating appreciated securities to sidestep capital gains, helping the next generation in meaningful ways, and thinking through estate intentions while you're still around to shape them. It's a good read for anyone who has won the retirement game and now faces the quieter, more personal question of legacy and what their money is ultimately for.