Mike,

I haven't forgot about a better response,  I've been trying to decide what tax loss I want to lock in right now on my Portfolio.  By locking in some loss now I'll make the gains in Dec less painful..  I have a few funds that are down from when I purchased them, so the loss is good.

If I recall correctly, you own a home, hence for getting some of your money into a tax sheltered account, the standard IRA may be better than the roth IRA. If you use a tax advisor you may want to run it by them.  I think the std IRA is fully tax deductable for you, but I'm not an expert.  In a few yrs they will allow transfer from IRA to roth, i think 2010.

Your low intl is a concern,  I'd recommend start scanning the posts for ideas on funds.  Global go anywhere,  also, I like Emerging Mkts, you could go broad EM, DRIDX, DREGX,  LZOEX, or TRPrice or Janus has a few good ones,  or regional EM.  If Pacific rim I'd stay with Matthews, Europe EM, I like TREMX, TRAMX, EUROX,  and the two for LA are PRLAX and FLATX.

Everybody's comment on the number of funds is garbage.  I manage all my funds at Fido, and I have a lot more funds than you, and it is seamless for buy/ sell, etc..  With your status you'd have access to a special Fido group Private access,  for contacts.  Expense - I look at the fund expense for my entire Portfoilo, so the number of funds doesn't drive this number higher.  The type of fund will drive it higher, Intl funds just cost more,  approximately 1%.  With a 10-30% higher return, I don't mind paying 1%.

If you decide to consolidate everything at Fido,  talk to them they can do all the transfers for you..  My sis just did it and liked the process,  I've been with them for 25 yrs...

hopefully in a few days I'll have a more complete answer,  I just need to focus on my account today,  since some markets are up a little.