Desired asset alloction is 70/30, with 30% of equities in international (that is int'l at ~ 20% overall). Portfolio size about $300k.
The idea is to select funds which combine broad diversification (to decrease your risk) and low expenses (to increase your net gain). You start by selecting the best available choices in the 4o1k ( where the choices are always somewhat limited), and then complete the asset allocation using the nearly unlimited choices in the taxable and IRA accounts. In your large 401k, the best choices are the very low cost Fidelity Spartan funds.
I prefer the Vanguard Total International fund over the Spartan Int'l fund, since the Vanguard fund is more widely diversified covering developed markets including Canada, emerging markets, and both large and small cap stocks. The Fidelity international fund omits small caps, emerging markets and Canada, so I suggest using the non-41k accounts for the more diversified Vanguard Total International fund. I don't know how strongly you like Scottrade, but I will just note that you have enough money in those accounts that you could move both to Vanguard and use Vanguard's inexpensive Admiral class shares at about the same expense ratio as the ETFs.
Here is a simple 4 fund portfolio idea you could consider, using your desired asset allocation, giving broad diversification with very low expense ratios, with tax efficient fund placement. All percentages are rounded off.Scottrade Taxable
(~ 07%; ~ $30k; add $5k/yr)
07% Vanguard Total International Stock Index ETF (VXUS) (.16), <=very tax efficientSchwab 401k
(~ 87%; ~ $255k; add $17.5k/yr + $10-$20K employer match)
50%, Fidelity Spartan Total Market Index Advantage Class (FSTVS) (.06)
30%, Fidelity Spartan US Bond Index Fund Fidelity Advantage Class (FSITX) (.10), <= uses Barclays® U.S. Aggregate Bond Index a total market type index including Treasury securities, Government agency bonds, Mortgage-backed bonds, and Corporate bonds
07%, Fidelity Spartan International Index Advantage Class (FSIVX) (.12), <= uses EAFE index, not a total market indexScottrade Roth
(~ 06%; ~ $15k; add $5.5k/yr)
06% Vanguard Total International Stock Index ETF (VXUS) (.16)
This should be very easy to manage and rebalance going forward, wth all rebalancing done inside the 401k.
Finally, I suggest that you read one or two books from the General Investing section of this reading list :http://www.bogleheads.org/readbooks.htm
I hope that this helps.