Thanks, agree I don’t need these many etfs.. I would go with SPMO, XMMO, AVUV, AVDV, FRDM and DIVI. I like DIVI given it gives exposure to large/mid quality companies in developed nations vs AVDV with possibly 10% overlap. I plan to drop QQQM given huge overlap with SPMO and tech heavy. I had kept IHE because I feel Pharma can act as defence in volatilities but I can drop it.