My wife and I have Roth IRAs, SEP IRAs, and traditional IRAs with Fidelity. Plus I have money saved via my TSP (I'm a Fed). I can invest in low fee index funds through my TSP account and achieve a pretty good asset allocation across short term govt. securities, US bonds, US small cap, US large cap, and international EAFE stocks. My question is, what's the best way to maintain an overall asset allocation that includes all of our retirement accounts? Should I use my TSP for the bulk of my allocation and use my IRAs to invest in sectors not included in my TSP like REITs? Should I own a total stock market index fund in my IRAs and leave it at that? Also, should I treat my wife's IRAs separately from my retirement accounts and apply a different asset allocation to her money? She's 46 and I'm 45. Thanks in advance.