We've been working on tuning up our investments, including finally maxing out our retirement accounts (401K, 403b, 457b, IRA). Previously, we had also worked to reduce both fees and taxes in our taxable account at Fidelity. So we are now looking at our taxable income at or below the 15% tax bracket threshold moving forward, and we have about 25% of our taxable account split between intermediate and short-term tax free bond funds.
The thread on the relative advantages of municipal bond funds for different tax brackets has me thinking that we might consider a different strategy for our bond holdings, including moving from Fidelity to Vanguard for that portion, since Fidelity bond funds don't seem to compete well on fees. But once it is with Vanguard, I'm a bit uncertain what to do with that couple hundred K for bonds. I was thinking of the analogous tax exempt bond funds (Admiralty shares), but would love to get some critical perspectives from the forum...