Q. My retirement portfolio is $1.3 million in mutual funds within IRAs and $100,000 in cash. I’m 60 and I’m planning to retire in two years. How can I start to position my money so I can have enough to live on? My monthly expenses are about $3,200, which I think will go down when I retire. And should I take Social Security soon and start to bank it? — Planning A. Congratulations on your approaching retirement. There are a lot of things that come into play when it’s time to plan your retirement budget. Based on the information you provided, it appears that between the amounts you have saved and…