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« on: June 21, 2018, 04:09:16 AM »
I think you have several questions you are contemplating all at once (how to simplify your current portfolio holdings across several account types, what to do with your cash and commercial property, what your investment strategy is now vs. after you are done working, etc.).
My personal suggestions would be:
1) Rollover all of your IRAs to Vanguard and either invest them all in VTSAX or the same Target Date fund your current 401k is invested in. Since you are in a high tax bracket, you will want to make sure you roll traditional account to traditional IRA and Roth accounts to Roth IRA.
2) $7k in Roth IRAs should match your asset allocation (most likely the same target date fund since you don't like to re-balance from the sound of things)
3) You mention wanting to start a taxable brokerage account. Using the $300k in cash, you could start putting that to work in a Vanguard taxable brokerage account (either VTSAX or your target date fund).
4) As for the balloon on the commercial property, it might be wise to shop around some interest rates now. If you could refinance at a similar rate, then you could deploy all of your cash in the market. If the rates are significantly higher, might want to deploy the cash to pay off the property. I'm not entirely sure how the property fits into your overall financial strategy and plan.
Let me know if any of this helps or you have clarifying questions. Of course, this is my personal preference and how I would change things around, but you might have different goals and are a little bit older than me and probably have a different perspective.