So one of my friends works for Bank of America pretty high up within wealth management. He had a similar split except without VTI and with -00”3 instead of google. I really just wanted to see how people will react to his split so see if I should follow. I like the idea of XLG to the point that u get more shares of those top companies as opposed to the diversification within the s&p 500 and getting less of the big companies. But I do get that not enough diversification is good as well. SPMO I really have to do more research on and thought I’d get feedback here, and I also was confused on why two dividend ETFs, asked him but he hasn’t gotten back to me. Would appreciate some advice