No. of Recommendations: 0
Few thoughts:

One, you could pare down your holdings to 3 or 4 funds. I'd combine the Value Index, Small Cap Value, and Total Stock Market together. If you looked at the holdings, I'd bet that there was a fair amount of overlap to make the differences insignificant. Could potentially save on fees/charges.

Two, what is the purpose of holding bonds/treasury? If its to decrease the volatility of your portfolio, I'd keep some. I doubt its for fixed income purposes since you don't need the money for a long time.

Finally, new allocation:

30% Total Market
30% Total International
30% REIT
10% Treasury or Total Bond

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