Okay, assume that RFG is going to retire at 60. Okay, the amount of his income will drop a bit (not a lot, maybe $5-10 K/year). PEF will also stop working, and will not be getting a huge pension, so there will be some decrease in their household income.
So, what is RFG going to do. Save up for retirement. Have extra money for trips, for his daughter, for household emergencies (new dryer). We would expect him to have a pretty good chuck of change there. Maybe an IRA or a 401k or just a lot of cash in a CD. There should be something along those lines.
That should, if RFG would die, be in his estate. His estate does not show that.
His financial disclosure statements show that there was not a large about of interest, less than $1300 from any one source.
In other words, it does not look like RFG was planning, financially, to retire. For someone retiring, he had very little money, based on his salary.
Now, what the explanations for that? Well, those four possibilities.