**Basics**

Emergency funds: three months of expenses

Debt: Private Note ($150,000 @ 3% with payment due in full 2023); Mortgage ($270,000

*now refinancing to 3.375%*).

Tax Filing Status: Married Filing Separately

Tax Rate: 28%/25% Federal, 3% State

State of Residence: PA

Age: 30

Desired Asset allocation: 70% stocks / 30% bonds

Desired International allocation: 25% of stocks

1 kid

**Current assets**

Taxable

20k cash (the allocation is a bit off now and I will correct it with these funds once I decide how much to keep in short-term money market or similar)

10k Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) [.1% ER]

20k Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) [.05% ER]

10k Vanguard Total International Stock Admiral Shares (VTIAX) [.16% ER]

10k Vanguard Small Cap Index Fund Admiral Shares (VSMAX) [.1% ER]

His 401k

15k SPTN US BOND IDX ADV (FSITX) [.17% ER]

Options include:

ALZGI NFJ DIV VL ADM (ANDAX) 0.96%

FID CONTRAFUND (FCNTX) 0.74%

FID GROWTH COMPANY (FDGRX) 0.90%

FID INDEPENDENCE (FDFFX) 0.78%

SPTN 500 INDEX ADV (FUSVX) 0.07%

ALL/B DISC VAL A (ABASX) 1.28%

COL MID CAP GRTH Z (CLSPX) 0.98%

SPTN EXT MKT IDX ADV (FSEVX) 0.07%

FID SM CAP DISCOVERY (FSCRX) 1.07%

JANUS TRITON T (JATTX) 0.95%

HARBOR INTL INV (HIINX) 1.15%

SPTN INTL INDEX ADV (FSIVX) 0.17%

FID FREEDOM 2045 (FFFGX) 0.76%

PIMCO TOT RETURN ADM (PTRAX) 0.71%

SPTN US BOND IDX ADV (FSITX) 0.17%

Her Old 401k

8k Vanguard Total Bond Market Index Fund Investor Shares (VBMFX) [.2% ER]

Options include:

Vanguard Target Retirement 2050 .18

Vanguard I-T Investment-Grade Inv VFICX .2

Vanguard Short-Term Bond Index Inv VBISX .2

Vanguard Total Bond Mkt Index Inv VBMFX .2

Vanguard Balanced Index Fund Inv VBINX .24

Vanguard LifeStrategy Consrv Grwth VSCGX .15

Vanguard LifeStrategy Growth Fund VASGX .17

Vanguard LifeStrategy Income Fund VASIX .14

Vanguard LifeStrategy Mod Growth VSMGX .16

Vanguard 500 Index Fund Inv VFINX .17

Vanguard Capital Opportunity Inv VHCOX .48

Vanguard Explorer Fund Investor VEXPX .49

Vanguard Extended Mkt Index Inv VEXMX .28

Vanguard PRIMECAP Fund Investor VPMCX .45

Vanguard Selected Value Fund VASVX .38

Vanguard Small-Cap Index Fund Inv NAESX .24

Vanguard Windsor II Fund Inv VWNFX .35

Vanguard International Growth Inv VWIGX .49

Her new 401k

Just started a new job. Nothing deposited yet.

Options include:

PIMCO Total Return A Fund [1.08 ER]

Calvert Social Investment Balanced A Fund 1.31

Principal LifeTime 2050 1

Alliance Bernstein LargeCap Value III .94

Principal LargeCap S&P 500 Index .31

CCI LargeCap Growth .71

Principal MidCap Value III .81

Principal MidCap S&P 400 Index .31

CCI MidCap Growth .81

Principal SmallCap Value .91

Principal SmallCap Blend .91

Emerald SmallCap Growth II 1.18

Calvert World Values International A Fund 1.87

Principal Diversified International 1.06

Her old IRA

3k Money Market

Coverdell

[Not funded yet -- open to decision]

529

[Not funded yet -- open to decision]

**Intended Annual Contributions**

15k his 401k (plus employer discretionary match (i.e., amount is not set in plan, more like a regular bonus, usually 1-to-1)

3k her 401k (her employer will match of $1750 per year on her 3k, which is the max match)

2k Coverdell

2k 529

5k back-door Roth [I have not yet opened a Roth yet, will do so this year]

12k Investment for 2023 payment

10k Unallocated

**Questions:**

I need to fix the allocations, and possibly the contributions. But I'm feeling a little confused. Hoping you'll help me sort things out.

Thanks!