Debt: 30 year fixed jumbo mortgage in HCOL area at 3.625%

Tax Filing Status: Married Filing Jointly

Marginal Tax Rate: 39.6% Federal, 11.30% State (for this year, last year it was different)

State of Residence: CA

Age: 34 (His), 35 (Her), 6 months (Daughter)

Desired asset allocation: 75% stocks / 25% bonds

Desired International allocation: 20% of stocks

Current portfolio size: Mid six figures

Taxable portfolio size: 81% of total

Tax deferred portfolio size: 19% of total

Taxable investments breakup:

Code: Select all

```
|-----------+-------+--------------------------------------------------------------------------------------------------------------------------|
| Desc | Split | Investments |
|-----------+-------+--------------------------------------------------------------------------------------------------------------------------|
| Vanguard | 92% | Total Stock Market Index, Total International Stock Index, Intermediate-Term Tax-Exempt, CA Intermediate-Term Tax-Exempt
| Robinhood | 8% | Facebook |
|-----------+-------+--------------------------------------------------------------------------------------------------------------------------|
```

Code: Select all

```
|-------------------------------+-------+--------------------------------------------------------------------------------------------|
| Desc | Split | Investments |
|-------------------------------+-------+--------------------------------------------------------------------------------------------|
| His roll over TIRA (Vanguard) | 51% | Total Bond Market Index |
| Her 401k (Vanguard) | 22% | Institutional Index Fund, Mid-Cap Index Fund, Small-Cap Index Fund, Target Retirement 2045 |
| His 401k (Fidelity) | 22% | Fidelity® 500 Index Fund, Fidelity® U.S. Bond Index Fund Premium |
| Her TIRA (Vanguard) | 5% | Total Bond Market Index |
|-------------------------------+-------+--------------------------------------------------------------------------------------------|
```

Question:

We started tax deferred contributions really late in our careers, so there is a skew between taxable & tax deferred. How do I reduce this skew & increase the weight of tax deferred? In recent times a sizable income is via RSU vesting (every quarter) which I have been putting in taxable (vanguard) between VTSAX, VTIAX, VWITX, VCAIX. This increases the skew further. Looking forward to suggestions!

Edit: Fixed formatting and replaced symbols wit fund names.