retirement funds after retirement

What To Do With Retirement Funds After Retirement? (Your Advice)

A description of a retiring couple’s financial situation was posted as a question for reader comment. Some suggestions include

read up on “net unrealized appreciation”, for example:
..only applies to employer stock held and ours is long gone

If you have children, then moving the funds into an IRA with you as the beneficiary and your children as [contingent beneficiaries] could provide a substantial amount of additional flexibility in the case of the demise of the two of you. The children would be able to stretch the IRAs out over their lifetime, which is not an option if they inherit 401(k) assets.

We have been talking about this too. We have shifted everything from 401(k)s to IRAs.