Help Me Retire: I want to retire in two years, my wife and I have $3 million saved but we’re worried about our son with special needs — what can we do?

Dear MarketWatch,

I’m almost 60, my wife is 57, and I want to retire by 62. Currently, I am earning roughly $125,000 to $150,000 a year, which supports my family. My wife stopped working at age 43 to raise our child, who is now nearly 18 and has moderate-severe Autism. I have no debt and own three houses. I live in one, one is empty (inheritance) and one is rented. I pay a mortgage on the home I live in ($1,350 a month, with only 20 payments left), and the other two are paid off. Cumulatively, they are worth on the market…