I used Vanguard's recommendation and ended up with
VTSAX
VTIAX
VTIBX
VBTLX
I used the percentages they recommended based on how I answered questions, but I think it is actually a bit too conservative, so I am not putting monthly more into VTSAX until it rebalances to be heavier in stocks. We decided to go with Vanguard because TIAA-Cref has much higher fees, although my accounts there had been doing well. So far, we've only lost money... but this is a long term venture :) If at the end of the year TIAA-Cref keeps growing and Vanguard is still only down, I might go back to TIAA...