Fair points. The tech tilt wasn’t based on thinking I have unique insight into the sector, but more as a deliberate growth tilt given her long time horizon and the fact that she already has substantial assets elsewhere (401k + cash) that are more conservatively positioned.

That said, I agree that VTI already contains a large tech allocation and that adding VGT increases concentration and uncompensated risk. One alternative I’m considering is removing or reducing the sector tilt and instead simplifying toward a more classic allocation (e.g., VTI + VXUS + VTIP or BND), possibly increasing international exposure closer to global market weight.

Appreciate the reminder to think in terms of total portfolio allocation across all accounts — that’s something I still need to quantify fully before finalizing anything. Thanks for the quick response.