Looking to launch in 2027. Using simple numbers, $500K 401K, $500K Brokerage, and $500K Deferred Compensation (NQDC). $50K annual spend is covered by NQDC separation payout over next 10 years.
Do I consider the full $1.5M (401K + Brokerage + NQDC) as one lump sum and assign the same 60/30/10 weighting to each asset location? Or do I allocate a much higher cash-equivalent to NQDC since that is all coming out in next 10 years?