TorchtheFlyingTiger

Is broken jaw and this surgery typically a career ender for boxers? Does the titanium stay in or would it have to be removed before returning to ring?

RMDs dont start until 75 (earlier for those born before 1960).
Brackets are likely to increase w/ inflation. (especially lowest brackets) Even today you'd have to exceed $394k plus deductions (married joint) before next dollar is taxed at 32%. So, even if in 32% bracket, effective tax rate of withdrawals would likely be much lower.

With RMDs delayed until 75, that gives early and even regular retirees a lengthy window for Roth conversions if desired.

I've heard of cases where HS or college aged kids have committed suicide over sextortion. Had to warn my kids about over sharing online and how embarrassing predicaments are never worth offing oneself no matter how dire it seems. Somehow this seems like a more implausible reaction though less severe/tragic.

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 I may be able to draw that my first year or two and show little to no income. Could supplement out of my brokerage accounts to be low income for those years.

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Typically Roth is last thing you want to tap. Best left to grow tax free. Plus, better to draw down traditional first before SS stacked on top and taxed and before higher taxable income triggers IRMAA. May be a case for Roth first for ACA subsidies and zero LTCG rate etc but often not the optimal solution. As others have said having some of both gives you options to optimize tax strategies later but may not be worth paying high rate now.

Schwab, Fidelity, Vanguard or even Robinhood (although I'll take heat for this). Read JL Collins' Simple Path to Wealth and if it makes sense manage it yourself. If you think you need help at least you have a baseline of knowledge to work from when vetting an advisor or picking a roboadvisor.

I played around awhile back with the free versions or trials a few of these tools. I havent pulled the trigger on a subscription yet. I'm still need to find the best one to meet my needs (tax optimized withdrawal strategy and Roth conversions). This guy reviews Boldin and several others you might want to try 5 Best Retirement Calculators Rob Berger
Reading up on boggleheads, reddit etc, users that tried more than one typically observed they give different results and recommendations due to different default assumptions.
Best tool is going to be dependent on what you are looking for it to do and what you are willing to spend.

You may not want to burst her bubble. Best for her to have more situational awareness and head on swivel in future anyway. Besides, probably feeds her self esteem to believe she was chosen as a target amongst all the other women shoppers.

Lump sum right back into the market. Dont fool yourself, converting to cash and sitting on sideline is market timing not true DCA.
I would stick to index funds for vast majority of portfolio and if taking any higher risk/reward do it in tax advantaged where you dont worry about tax consequences of trades.
I dont like dividend plays but if you must, avoid holding in taxable where they will suffer tax drag. No need to generate extra taxable dividend income you dont need.
If you are already competent self managing, 1% for an advisor is more than I'd want to spend. I'd try to find a fee only advisor to QC your plan occasionally and perhaps focus on tax optimized allocation, conversion and withdrawal strategies. You probably get more benefit from good tax professional in short term.
Diversification into other asset classes is probably good idea.
As for building out commercial real estate and active trading, be sure to weigh the value of your time. Even if you enjoy it now, it might be an unnecessary mental burden in a market downturn. Your time is likely better spent in your field of expertise.

More reason to wait. You'd be unnecessarily accruing an additional 8 months of higher interest rate on existing equity loan balance. It might make more sense to keep the lower rate and borrow the $15k when needed on a separate HELOC or personal loan, especially if the existing loan is high balance.