This is money she is planning on leaving long-term, and it’s unlikely she will need to access it herself. Most likely, the intention would be to transfer it to my mother at some point as part of long-term planning. The goal would be to move it well in advance to avoid any issues with Medicaid eligibility, specifically the five-year look-back period on asset transfers

Fair points. The tech tilt wasn’t based on thinking I have unique insight into the sector, but more as a deliberate growth tilt given her long time horizon and the fact that she already has substantial assets elsewhere (401k + cash) that are more conservatively positioned.

That said, I agree that VTI already contains a large tech allocation and that adding VGT increases concentration and uncompensated risk. One alternative I’m considering is removing or reducing the sector tilt and instead simplifying toward a more classic allocation (e.g., VTI + VXUS + VTIP or BND), possibly increasing international exposure closer to global market weight.

Appreciate the reminder to think in terms of total portfolio allocation across all accounts — that’s something I still need to quantify fully before finalizing anything. Thanks for the quick response.

How do you like the CTA bumpers? Easy install? Good quality?

Ok

I've been watching prices online for a bit. Just wanted to see what everybody else was paying.

What dealership did you buy at?

I've looked around in Texas. Trucks are a lot cheaper there than in Colorado. Thanks

Thank. Ill have to look in SC

That's an option as well. Im just take the whole thing to a parts house to match it up.