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Thanks All,
I've been off the boards for a few days, so a bit late in the reply. I've attempted to minimize overhead/fees via going with BrownCo and all Vanguard index funds. (the actual funds are listed in the CBS Marketwatch link above)

The next chunk of money dropping into the account will go pure equity. I'll have to think about what to do with the money already in the bond fund.

Thank you all for the info and opinions.

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