Dear Quentin,
I am retiring soon with around $ 850,000 in stocks, $ 350,000 in a pension and about $ 30,000 in the bank. My husband and I own our home — worth around $ 275,000 — outright. We have been married for 37 years and have two children together, a son and a daughter, who are both adults and responsible for themselves. Neither of our children have partners or children of their own.
My…