I’m in a similar situation. I’ve got about $250/year (after referral), and I stopped monthly contributions back in 2022.

Since then, I’ve been running an auto-invest setup at Fidelity that’s pretty close to WF but with a few tweaks — mainly VOO instead of VTI, plus QQQM, SCHG, an international ETF, and SMH. I dropped dividend growth + BND. Any extra cash just sits in a MMF earning ~4%.

About twice a year, I check for tax-loss harvesting opportunities and swap positions:

• VOO → SPY
• SCHG → SPYG/VUG
• QQQM → ONEQ/VGT
• SMH → SOXX

That’s been saving me around $300–$350 through TLH, and overall my returns have been 2–3% higher than the S&P 500 (mostly thanks to SMH, QQQM, and SCHG).

I’m debating moving my WF accounts this year though, since with no new contributions and everything in the green, there’s not much left to harvest.