I'm a married 31 y.o. with a 2 y.o. son and another that is a few months old.
Emergency funds/Cash in accounts: Five months of expenses.
Debt: Mortgage - 389k (of 393k) @ 4%; Auto Loan - 15k @ 5%
Tax Filing Status: Married
Tax Rate: 18% Federal (Net, I'm in the 25% bracket), 7% State
State of Residence: South Carolina
Desired Asset allocation: 90% stocks / 10% bonds
Desired International allocation: 10% of stocks
Portfolio Size and Generic Breakdown:
I'm split between 2 401(k) accounts; former employer and current employer, have a non-exempt investment account, health savings account (HSA), multiple grants of restricted stock units. In total, probably about $80k in assets with an additional ~45k of restricted stock in my employer that will vest over a period of years at 25% per year. My wife has about $20k in stocks but I have very little visibility into her holdings, save for ~$200 in dividends/yr, for that reason, I won't list her assets below. Approximately yearly pre-tax income is 104k. I am the only income earner.
To get a little more specific...
Tax advantaged accounts: (~40k total)
9.1k pre-tax in 401(k) 
12.3k post-tax (ROTH) in 401(k) 
18.3k pre-tax in current employer 401(k) 
Tax applicable accounts: (~39k total)
13k cash (savings, checking)
17k in taxable investment account
9k in RSUs (62k of these total upon vesting)
Asset allocation by account:
401(k) : (Passively re-balanced quarterly)
30% large cap
5% small cap
401(k) : (Have not set AA)
100% lifecycle, haven't looked at choices
28% cash, money market (recently sold some securities)
0% small mid/cap
37% large cap
35% blended funds
8% to 401k (50% employer match up to 6% for 3% total). I just increased this from 6 -> 8.
$ leftover/TBD taxable (for retirement, not short term goals)
Funds available in 401(k)  (by type)
Funds available in 401(k)  (by type)Snipped, because not relevant
Questions: (Sorry there are so many. Don't feel obligated to answer all of them if one jumps out as more interesting)Snipped, because not relevant
- I have approximately 9.1k in vested RSUs ready to cash out. Combined with the 12k in cash I have in the bank, would it be best to pay off the car loan entirely, first? This would leave me with ~6k in cash, approximately a 2 month reserve but would eliminate that 5% interest, which seems fairly high. There is no penalty for early repayment of the loan. - Solved
- After I have rebuilt my cash reserves, which was impacted by our car purchase, should I allocate more towards employer 401k or open an IRA? If IRA, with whom should I open it? Based on my spending plan / monthly budget, I have somewhere between 500-1200 extra monthly. My short-term goals are to build our emergency fund back up to 10k, replace my current vehicle within 2 years (2004 with 175k+ miles on it), and more aggressively fund retirement. - Solved, going with t401(k) to max. Then tIRA whenever I can more aggressively fund.
- Should I work on paying down the mortgage faster, rather than allocating more towards tax deferred retirement vehicles? I look at it as 4% guaranteed ROI for early mortgage payments vs ?% return in the market. I'm not used to carrying any kind of debt so owning a house with that kind of outstanding debt worries me. I looked at my retirement funds and they only grew by 10k over the past year or so between appreciation and contributions. That's pretty bad.
- Lifecycle funds make it very difficult to ascertain my exact AA, I think my AA is well outside of 90/10 as my projected intent above. Not really a question, so much as a statement. I kind of put together a plan for how I might get back to my desired AA:
- Sell all investments in taxable account; this would rebuild my emergency fund and allow me to pay down a portion of the mortgage.
- Rollover previous trad. 401k into IRA, allocate 90/10, wait for opportunity to do conversion to roth.
- Rollover previous roth 401k into roth IRA, allocate 90/10, pick up some international here to match overall portfolio weighting.
- Reallocate new employer 401k into 90% VTIAX (approximates SP500, .05% ER), 10% VLTBX (total bond, .06% ER)
- Set up automatic rebalancing.
- Are there any considerations to how I can roll over my 401k either to my current employer or to an IRA?