I recently had a very fortunate turn of events with my company equity and have about $5MM net worth. I have met with a few financial planners but met with one today that had a little different strategy, not anything groundbreaking mind you, but different nonetheless and I am hoping for some feedback as to why or why not this would be a good plan.

Me:

• 43 years old
• hope to retire in 2 years
• beginner to intermediate level of knowledge in finance/investing but rapidly improving.
• Fairly modest lifestyle spending maybe $6k per month including my mortgage.
• No kids -Wife makes about $100k per year
• no debt at all except for $100k left on my mortgage

Plan:

• 31% in Private REIT’s (Blackstone/Starwood)
• 30% in government munis
• 5% in Private credit
• 20% in equities
• 10% in Public credit
• 5% in Private Equity

Now these allocations are at the most conservative end of a range of proposals and this would produce MRR and cash to live on while lowering risk and swings in the value of the portfolio. The REIT allocation is my biggest question mark however as I haven’t seen them suggested in this amount.

Thank you all for taking a look and I would appreciate any feedback you have.