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Thanks for your insightful replies and links.

Responses to your questions:

1. I'm looking at BrownCo (and Scottrade) for the 401k rollover account because I am at the same time selecting a place to have a post-tax account. My reasoning is that it would be convenient to have both accts at the same location.
On the other hand, if having the rollover account at BrownCo is going to increase my ownership costs then it worth considering going directly to Vanguard. To think further on your point I don't plan to be an active trader with my post-tax money either, and perhaps I might as well do all my business at Vanguard. (?)

2. The coffeehouse portfolio you link to is the seven-fund version of the portfolio. The book discusses the simplest version being a single "total market index" fund. Between the one-fund and seven-fund is the three-fund which was my original intention. I plan to start with a three-fund portfolio. However looking at the seven-fund portfolio, it doesn't look intimidating, but don't have a set of target balace ratios yet for a seven-fund portfolio so I'm not ready to go there. In fact I don't think the book prescribes a balance for the seven-fund portfolio. I'd have to do more research on a proper balance before going to seven funds.

Lastly, I'm 33 and have three kids, a wife, a house, and a single income. I don't know how one measures investment experience. Number of trades? Money gained? Money lost? I've been thinking about investing since I got my first job with a 401k fund and stock options about ten years ago. However I have not dived into the equities market and been an active trader, I've been looking for a strategy that I can be confident in. So at this point I think I have found a sound strategy for at least my retirement money, but as always I'm open to debate and opinions and I really appreciate your questions.

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