<prompt> Human: UPDATE: I wanted to thank everyone that reached out here with their advice. I think I was mostly on the right path...you guys reinforced it. nbsp;I opened a Vanguard account and moved my ROTH IRA to Vanguard and sold my EJones shares to move the cash into Vanguard. I am pursing a four fund portfolio with an 8020 stock to bond allocation. nbsp;20 Vanguard Total Bond Market Index Fund VBMFX48 Vanguard Total Stock Market Index Fund VTSMX24 Vanguard Total International Stock Index Fund VGTSX8 Vanguard REIT Index Fund nbsp;Thank you again for all the comments and giving me the courage to slake off the E Jones guy. He was NOT happy and has called me no less than six times since yesterday, and sent me emails. Here is an excerpt: You are focusing only on expense but should look at the whole picture. If you have time this week we should discuss. When we talk I can explain each scenario in detail.nbsp;It was really painful and I wound up calling the main EJones number to get away from my adviser.nbsp;Original Post: Many thanks to the users in this sub. I became enamored of the MMM and Boglehead approach after reading this sub. I have generally tried to subscribe to that methodology. I could use some specific advice on how to best invest a yearly 100K income surplus. I generally subscribe to a four fund portfolio 40 Bond index, 34 Stock Index, 20 International stock index, 6 Small stock index. In truth, it is a little more complicated as my investments are spread across the Thrift Savings Plan, Fidelity 401K, Fidelity Roth IRA, and Edward Jones accounts. My apologies for the throwaway account.nbsp;49 years old, married, wife doesnt work. Retired from military service after 25 years with a net worth investments only of 365K. My wife and I live on our primary income of 169K maxing my 401k contribution at 18K and invest military retirement 37K, disability 24K, and bonus last year 32K after tax. I am in a 33 tax bracket. I have an appropriate emergency fund, we dont have any credit card debit, we are renting, my wife has a used car loan 2.5 on 25k. We have a home in another state that is rented with positive cash flow.nbsp;My investment plan for new investments is:Fully vest my 401K at 18Kyear in FXSIX Spartan 500 Index FundBonus: last year after tax 32K into my Edward Jones accounts below.nbsp;Retirementdisability 61K into Edward Jones account; my E Jones guy has me spread out across several C funds.MSVCXINVESCO AMERICAN VALUE FUNDASICXINVESCO ASIA PACIFIC GROWTH FUNDACSYXINVESCO COMSTOCK FUND CLASSLCEVXINVESCO DIVERSIFIED DIVIDEND FUNDGTHCXINVESCO GLOBAL HEALTH CARE FUNDAIECXINVESCO INTERNATIONAL GROWTH FUNDnbsp;I know I could execute a backdoor Roth IRA up to 5,500; but I did not last year. nbsp;TL;DR: Expect 100K in investment income this year not including 401k contributions; is there a better strategy than just max 401K, backdoor roth, excess into Edward Jones Index funds? I dont want to work forever and my job is killing me literally.  <response>: I would immediately get out of Edward Jones. Just a quick look at the funds you are in have upwards of 2 fees with loads on top!!!!!!Switch to SchwabVanguardFidelity.Other than that, you have the right idea. 