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I also am looking at having as simple a portfolio as possible. Therefore I'm pretty much looking at the following asset allocation:

- small cap index
- international index
- total US stock mkt. index
- 5 years living expenses in laddered CDs

I wish I could have only one account, but that isn't possible. Here are our accounts:

1 401k
1 403b
2 Roths
1 taxable account

1. Looks like you've read up on asset allocation. Good!

You might want to ask the TMF bonds board about the laddered CDs. I assume part of what you want is an emergency fund as well as $$$ to live on. For the e-fund a lot of folks on the bonds board like the humble savings bond. (Search for threads on e-funds.)

2. I think anytime you have two working adults, you're going to have separate retirement accounts. And I think the same is true of IRAs (whether or not one legal spouse is working.)

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