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What brokerage is requiring 25k minimums? USAA usually is pretty good place to do business. I have never used their brokerage services but those services are well rated by independent agencies, Vangaurd is also respected. I believe treasuries are now purchased free at Vanguard, I'm only reporting what others have stated.

What percentage is $30 of the maximum amount that could be held at Vanguard? Even the cheapest index funds have .2%ish management fees and they are working with billions, a well beaten path and a low rollover rate. If I'm reading this right 30/75k = .04%, this looks to me like sweating over pennies. There would be the initial hassles of opening a new, more flexible account, and transfering funds to it but for the most part after you fill out a little paper work they do the heavy lifting.

Consolodating accounts makes sense. I doubt you could go wrong with either firm.

The quick latter setup is certianly a reasonable choice. Treasuries vs CDs is an endless debate. Research both and decide which you are most comfortable useing. In the long run the difference between the two probably isn't worth using a vehicle you are less comfortable with. I'm not sure how you are choosing asset allocation, nor do I have to, it seems a bit aggresive to me. But if you have thought it through who am I to disagree.

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