Emergency funds: Yes
Debt: Mortgage Only: -$531,608 | Rate: 2.375% | 15 Year
Tax Filing Status: Married Filing Jointly
Tax Rate: 37% Federal, 10% State
State of Residence: CA
Age: Me: 49 | She: 51
Desired Asset allocation: 70% stocks / 30% bonds
Desired International allocation: 10% (Open for suggestions)
Total Portfolio: $4,036,807
Note: Total percentage of all the above accounts together equals 100%. (I'm quite proud of myself for this accomplishment )
Current retirement assets
Taxable
0.29% CASH $11,750.25
Taxable Funds
0.38% VCR Vanguard Consumer Discretion ETF (0.10%)
0.26% VEIPX VANGUARD EQTY INCOME INVESTOR (0.28%)
0.16% VEMAX VANGUARD EMRG MKTS STOCK INDEX ADMIRAL (0.14%)
1.22% VEXAX VANGUARD EXTENDED MKT INDEX ADMIRAL (0.06%)
5.44% VFIAX VANGUARD 500 INDEX ADMIRAL (0.04%)
0.27% VFICX VANGUARD INTMD TERM INVMT GRADE INV (0.20%)
0.39% VGSLX VANGUARD REAL ESTATE INDEX ADMIRAL (0.12%)
0.58% VIMAX VANGUARD MID CAP INDEX ADMIRAL (0.05%)
0.74% VSIAX VANGUARD SM CAP VALUE INDEX ADMIRAL (0.07%)
0.46% VTRIX VANGUARD INTL VALUE INVESTOR (0.36%)
1.19% VTSAX VANGUARD TOTAL STOCK MKT INDEX ADMIRAL (0.04%)
0.26% VWITX VANGUARD INTMD TERM TAX-EXEMPT INVESTOR (0.17%)
Taxable Stocks
3.33% AAPL Apple Inc. - Common Stock
0.12% ABT Abbott Laboratories Common Stock
0.98% AMZN Amazon.com, Inc. - Common Stock
0.10% BMY Bristol-Myers Squibb Company Common Stock
0.46% COP ConocoPhillips Common Stock
0.25% CORT Corcept Therapeutics Incorporated - Common Stock
0.08% CSIQ Canadian Solar Inc. - Common Shares
0.28% DVN Devon Energy Corporation Common Stock
0.10% EVR Evercore Inc. Class A Common Stock
0.25% FSLR First Solar, Inc. - Common Stock
0.17% FXAIX FIDELITY INVESTMENTS 500 INDEX RETAIL
0.20% GNRC Generac Holdlings Inc. Common Stock
0.59% GOOG Alphabet Inc. - Class C Capital Stock
0.10% ILMN Illumina, Inc. - Common Stock
0.23% META Meta Platforms, Inc. - Class A Common Stock
0.09% SLB Schlumberger N.V. Common Stock
0.53% SQM Sociedad Quimica y Minera S.A. Common Stock
0.21% TRMB Trimble Inc. - Common Stock
0.08% WIT Wipro Limited Common Stock
1.44% TTD THE TRADE DESK INC COM CL A
0.92% MSFT MICROSOFT CORP COM
0.60% FTNT FORTINET INC COM
0.32% JKHY HENRY JACK & ASSOC INC COM
0.51% SHOP SHOPIFY INC CL A. <--- I blame Fool.com for not selling last year
0.27% APPN APPIAN CORP CL A
0.03% ATVI ACTIVISION BLIZZARD INC COM
0.01% HAS HASBRO INC COM
0.26% MMM 3M CO COM
0.12% GE GENERAL ELECTRIC CO COM NEW
0.40% UBER UBER TECHNOLOGIES INC COM
0.10% BILI BILIBILI INC SPONS ADS REP Z
His 401k
0.36% Target Retirement 2040 Trust Plus (0.06%)
9.39% Self-Directed Brokerage Fund. <--- Needs to be invested
His ESPP at eTrade
2.96% Techcompany (Anonymized after I received feedback)
His RSUs at eTrade
16.42% Techcompany <--- To much is in my company stocks Not sure how much to take out
His Rollover IRA at etrade
1.51% NVDA NVIDIA CORPORATION COM
0.23% BABA ALIBABA GROUP HLDG LTD SPONSORED ADS
0.27% ADSK AUTODESK INC COM
0.63% VFIAX VANGUARD 500 INDEX ADMIRAL (0.04%)
1.72% VFORX VANGUARD TARGET RETIREMENT 2040 FUND (0.08%)
0.71% CASH
His ROTH IRA at eTrade
1.40% AMZN AMAZON COM INC COM
0.49% AAPL APPLE INC COM
0.21% SBUX STARBUCKS CORP COM
0.33% CRM SALESFORCE INC COM
0.11% ZM ZOOM VIDEO COMMUNICATIONS INC CL A
0.17% CORT CORCEPT THERAPEUTICS INC COM
0.09% PYPL PAYPAL HLDGS INC COM
0.13% ICLR ICON PLC SHS
0.00% GIGM GIGAMEDIA LTD SHS NEW
0.06% QNST QUINSTREET INC COM
0.19% TKR TIMKEN CO COM
0.17% ILMN ILLUMINA INC COM
0.18% EVR EVERCORE INC CLASS A
0.05% GRVY GRAVITY CO LTD SPONSORED ADS NE
0.05% UPST UPSTART HLDGS INC COM
0.11% CASH
His Health Spending Account
0.85% VFIFX VANGUARD TARGET RETIREMENT 2050 FUND (0.08%)
Her 401(k)
3.39% T Rowe Price Retirement 2035 Tr D (0.32)
Her RIRA
Stocks
0.18% BMY Bristol-Myers Squibb Company Common Stock
0.10% DVN Devon Energy Corporation Common Stock
0.20% EVR Evercore Inc. Class A Common Stock
0.88% GOOG Alphabet Inc. - Class C Capital Stock
0.08% GRVY GRAVITY Co., Ltd. - American depositary shares, each representing one common share
Funds
0.15% AIA iShares Asia 50 ETF (ER n/a)
0.34% IWN iShares Russell 2000 Value ETF (ER n/a)
0.21% MXI iShares Global Materials ETF (ER n/a)
0.17% TQQQ ProShares UltraPro QQQ (ER n/a)
1.08% FXAIX FIDELITY INVESTMENTS 500 INDEX RETAIL (0.02%)
0.06% CASH
Her Rollover IRA
17.54% VTTHX VANGUARD TARGET RET 2035 FD INVESTOR CL (0.08%). <--- Large allocation
7.98% FXAIX FIDELITY 500 INDEX FUND (0.02%)
2.93% FSMAX FIDELITY EXTENDED MARKET INDEX FUND (0.04%)
1.00% 949763UT1 WELLS FARGO BANK NATL ASSN CD 3.45000% 10/26/2023
0.03% CORE** FDIC-INSURED DEPOSIT SWEEP
Her HSA
0.48% FPURX FIDELITY PURITAN (0.51%)
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Accounts for the 17 year old son (Not included in overall Calculation - just added for completeness)
529 Plan Fixed Account: $160,610.29 <--- Moved this into a fixed income account. Correct move?!
Custodial Account:
VOO $1911
VIG $1717
IWM $771
IXUS $1141
CASH $1508
TOTAL $7050
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Contributions
New annual Contributions
$23,698 his 401k - 10%. Adobe's match is 3%
$27,000 her 401k - 6%. Up to $55k total including 401(k) and profit sharing.
Besides our 401(k) we are not putting any more money aside. We do pay our mortgage and get bonuses, ESPP and RSU money each year.
Available funds
Funds available in his 401(k)
International Stock Funds
Dodge & Cox International Stock Fund Class I DODFX (0.62%)
Vanguard FTSE All-World ex-US Index Fund Institutional Plus Shares VFWPX (0.06%)
Domestic Stock Funds
DFA U.S. Small Cap Value Portfolio Institutional Class DFSVX (0.3%)
Vanguard Explorer Fund Admiral Shares VEXRX (0.41%)
Vanguard Extended Market Index Fund Institutional Plus Shares VEMPX (0.04%)
Vanguard FTSE Social Index Fund Institutional Shares VFTNX (0.12%)
Vanguard Institutional 500 Index Trust —
Vanguard U.S. Growth Fund Admiral Shares VWUAX (0.11%)
Vanguard Windsor II Fund Admiral Shares VWNAX (0.26%)
Bond Funds
PIMCO Total Return Fund Institutional Class PTTRX (0.47%)
Vanguard Inflation-Protected Securities Fund Institutional Shares VIPIX (0.07%)
Vanguard Institutional Total Bond Market Index Trust —
Balanced Funds (Stocks and Bonds)
Various Target Retirement Funds
Funds available in her 403(b)
PIMCO Commodity Real Ret Strat Instl PCRIX (0.88)
Vanguard Real Estate Index Admiral VGSLX (0.12)
AB Small Cap Growth Z QUAZX (0.75)
Vanguard Small Cap Index Adm VSMAX (0.05)
Delaware Ivy Mid Cap Growth I IYMIX (0.95)
MFS Mid Cap Value R6 MVCKX (0.64)
Vanguard Mid Cap Index Fund - Admiral VIMAX (0.05)
Dodge & Cox Stock - I DODGX (0.51)
Fidelity 500 Index FXAIX (0.02)
JPMorgan US Equity R6 JUEMX (0.47)
MFS Growth R6 MFEKX (0.5)
Invesco Developing Markets R6 ODVIX (0.81)
Vanguard Total Intl Stock Index Admiral VTIAX (0.11)
Key Guaranteed Portfolio Fund N/A
Schwab SDB Securities N/A
Schwab SDB Securities Roth N/A
Schwab SDB Sweep Program N/A
Schwab SDB Sweep Program Roth N/A
Allspring Core Bond R6 WTRIX (0.45)
PGIM High-Yield R6 PHYQX (0.38)
Vanguard Interm-Term Bond Index Adm VBILX (0.07)
T Rowe Price Target Retirement Plans (0.32)
Questions:
- How on earth do we simplify all of this into a Booglehead style set-up with just a few funds?
- How can we avoid some of the tax implication by shifting this all around?
- Are there financial advisors that would help take this on?
- I wouldn't mind managing all this alone but I think it's to complicated in the current state.
- What would we ask a FA to do?
- How would you tackle this mess of a portfolio?