The international fund diversification changes which you suggest broadening as i understand your comment...does contradict the C.Schwab 'model.'  I'd be interested in any other opinions on the overall mix.  I'm gathering that for the most part based on the M* analysis anyway - this portfolio is technically not badly allocated and were i to disengage the advisor i wouldn't need to make any major adjuistments for now. 

I would be interested in thoughts about whether i should change the dividend-reinvestment status of most of the funds for reasons stated in prior post.

Thanks,

MikeE