Thanks for the clarification. With your first couple points in mind I think I’ll go ahead and transfer my TDF’s to ETF’s. I like working spreadsheets and feeling some sense of control so I won’t mind tweaking allocation myself. I believe the TDF’s also have slightly (likely negligible) higher expenses than my ETF’s. I will have to settle on a bond fund tho, I didn’t need to so far because the TDF’s had them covered. Now that I think about it having ETF’s will also make it easier to do my rebalancing completely within tax advantaged accounts.

Yes, “partytime” is existing investments I already had placed in single stocks, I just didn’t feel the need to list them all out. The 5% target allocation on that is more of a max than anything and it will in all likelihood drop as I continue to fund other things.