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 CDsI wish I could have only one account, but that isn't possible. Here are our accounts:1 401k1 403b2 Roths1 taxable account1. 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.)jmc
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