Fixed to floating (F2F)

Bonds are not available. The Chinese are concerned about their political situation. The Japanese have negative interest rates. They are snapping up the bonds and all that is left for us is not attractive.

So you end up moving to preferreds. But fixed income has inflation as one of its risks. Apparently there is a type of preferred that is tied to an interest rate management. It is still niche, but worth knowing about:
http://blogs.wsj.com/cfo/2013/09/24/fixed-to-floating-deals-make-comeback/

Quitting while I am ahead

According to the AARP Bulletin May 2016, "Financial acuity declines after age 60 by an average of 1 percentage point a year."  Still making progress moving assets to Vanguard and having them balance and manage.