Hi Dan,

I rarely post, but thought I'd offer a few of my ideas in response to your situation.  Love the AA (it is exactly the same as my own-- although I slice/dice the stock portion).  As you continue to accumulate more assets and increase your income, it seems to me that the logical way to go w/ keeping your AA intact is to structure it based on your 403b contributions (e.g., 80-10-5-5).  Then, use your Roth to primarily rebalance or add small cap stocks, etc. since you can make the contribution all at one time, if you wish. Might be easier than to worry about Trad. vs. ILB contributions and an expected sway toward a higher % of stocks over time.  I do this quite easily using our Roth contributions, which we house at VG.

Assuming a full Roth contribution ($5k), it seems to me that the ILB allocation will be markedly higher than the Trad'l (5% of 20% of your salary as a new tenure-track professor) on an annual basis...

Cheers,

GL