As others have said, these folks are essentially financially independent now.  They are a great positive case study.  A few minor tweaks and they are very solid.  My concerns for them would fall into the following areas: 1. Losing confidence that they can do the rest of this themselves and get talked into an AUM arrangement or complex insurance products.  A massive mistake  - they just need fee-only, periodic tuning help (he's already a couch potato, he just has it all sliced into too many fries at this point).  2. If I were his sounding board, I would really challenge the notion that they have to work for years or half decades extra to fund hypothetical educations for their kids.  Maybe the kids won't go to school?  Maybe the kids will stay in their home province or stay at home, or go to community college?  Maybe the kids will be entrepreneurs and ask Mom and Dad for seed capital to start a great business off the ground.  Parents, be supportive and generous but don't be slaves.