I forgot to mention…
Even before you transfer your assets, analyze your asset allocation. You should analyze the balance of stocks, bonds, cash and other investments. Do your wife separately and then, if you want, add your own assets to hers and analyze your asset balance as a couple. Analyze your retirement and non-retirement assets. It may take a while to set up your spreadsheets but worthwhile.
Once you know where you stand, decide your portfolio balance based on your personal risk tolerance and long-term objectives. Fidelity has calculators you can use to adjust your balance based on the parameters that you input.
https://www.fidelity.com/calculators-tools/retirement-calcul…
Once you have done this, don’t hesitate to return to the METAR Board to ask for advice. We all love to kibbitz. But you will get very different advice since each METAR has a different risk tolerance and we are all very opinionated.
Wendy