So I've decided I wanted to finally dive into investing directly with Vanguard instead of dealing with Betterment fees. I'd like to just invest in VTSAX, VTIAX, and VBTLX at about 60/30/10. I have $8.5k in a Sep, $40.7k in a Roth, and $19k in a taxable account, all three of which are in a tax coordinated account and I have tax loss harvesting turned on (though it doesn't show that I've made anything with it so far in the display). I also have $8.5k in savings in another taxable account with them (set to 50/50 stock/bonds). I'd love some advice on the easiest way to transfer this over to Vanguard considering the tax coordinated account, the IRAs, if the IRAs are better going into stocks vs bonds, and any other things I should look out for. I'm assuming I'll have to do some non-admiral shares for the Sep since it's at $8.5k. Also any advice on what to do with my savings would be great. Thanks for helping an investing newb!