Funding Early Retirement Strategy help

Hello - my wife and I have been very lucky and we are investigating strategies on funding early retirement. With the majority of our funds tied up in retirement accounts, would you recommend we do something different in the upcoming years to prepare for it?

Once we retire I would suspect we would start with the roth conversion ladder strategy, so does that mean we need to focus on the first 5 years of retirement? If so, we only have the contributions in our ROTH available to us.

Me: 44yo | Spouse: 43

Target retirement age of 50/49

Target retirement $ needed: $80k (this hasn't been dissected yet, but wanted to provide a baseline)

401k (currently max out each year)

* $750k. 6% company match, 5% profit sharing
* $450k, 0% company match




ESSOP: $2M (company continues to add shares and increase price)

HSA: $100k (currently max out each year)

529 plans ($10k/child yearly)

* $50k, 12 year old
* $50k, 9 year old




ROTH IRA (max out with backdoor roth each year)

* $55k
* $110k




Pension estimated $200k at age 60

Thank you for sharing your thoughts. If you need more detail please let me know. submitted by /u/Professional_Pain683
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