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We met with our financial dude last night. It's on sometime this spring. One of the things I learned that helped is the Social Security rules on income while you collect. It is advertised as 23,400 per year. After you go over they take back 1 dollar for every 2 dollars you earn. My concern was if I retire mid-year I would be over and ineligible for Social Security until the following year. It does not work like that, it is more like a monthly limit. So the first month my income goes to zero I can collect SS. FWIW, once you hit your full retirement age (67 for most of you) you can make as much as you want.