Good Afternoon, 

This has been a really helpful and eye-opening thread! 
Just for clarity, the client is 57, and would like to retire at 60. It is his understanding that he need to exercise/sell the last of his 600k of stock options before retirement. He has substantial qualified and non-qualified assets as well. (Approx 800k/400k). Spouse has already retired and has approx 100k in qualified assets of her own. They own three homes, with a potential home sale of one of the homes in the next several years- time frame not determined. They have one child and one grandchild. Earned income approx 150k. Looking to be wise over the next few years as they consider all of these moving parts; implications to their retirement, Medicare, future RMDs and ultimately leaving assets to their daughter. 

I do sincerely thank each of you for taking the time to comment and share your perspective.