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I have a husband who's retiring within the next 12 months, and we'd like to finish paying off the mortgage on the house.

Good.

Well, yes, but per your advice. And our financial advisor is advising us not to because the mortgage is at under 3%.

And our investments are doing well above that.

However, that doesn't matter to us.

We want to plow ahead and get this done.

And our next question to him is how can we best divest of our investments and pull the money out, make the cash

available to do this. And his next tier of advice is to pull from our bonds that are earning

at tax-free rates as opposed to pulling from our mutual funds that we'll have to pay capital

gains taxes on. What do you suggest we do?

You probably got no gain on your bonds. They're probably value is down, even though the

coupon rates stayed the same. But as interest rates rise, bond values go down. And so my guess is

that you bought them during a lower interest rate environment, so they're

probably not even worth what you paid for them today.

Is that right?

I'm not sure.

That's a good question.

I don't think you're going to have any gain to amount to anything.

So I like his advice on that basis.

Okay.

And what is your total nest egg?

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