It really bothers me when people answer a question and immediately ignore one of the constraints given by the question-asker, but I'm afraid I'm going to have to bother myself here.
You really need to at least talk to your ML adviser.
The optimal way to design an investment portfolio is to first determine your desired asset allocation as if all your money was in a single giant account, and THEN you decide which investments to hold in which accounts (tax-sheltered vs. taxable), based on their tax-efficiency.
By declaring your retirement accounts an immutable part of the overall picture, you're unnecessarily tying your hands behind your back (especially since one of the big advantages of retirement accounts is the ability to shift your allocation around without costs!)
I mean, holy crap, even if you're too scared or whatever to claim all your money back from your adviser, for all the money you're paying her (implicitly or explicitly) it seems like the least she could freakin' do is take your information about investments you hold outside of her control, and adjust your allocation among the investments she does control in order to keep your total portfolio in line with your desired allocation. If she can't even do that, that would be like paying a doctor who can't even diagnose and illness or prescribe treatments.
So I say put all your taxable money into something tax-efficient like VTSAX, and then, at a minimum, tell your adviser to adjust the allocation in your retirement accounts accordingly. Ideally, you would take all of your money back from your adviser and do the adjustments yourself, after deciding what you truly want your overall asset allocation to be (your post suggests you haven't actually done this important first step for yourself, and instead are just taking whatever an adviser/Vanguard tool spits out at you). It's hard to say, but it's possible that the fees you're paying to ML could be a greater detriment to your early retirement plans than any tax-efficiency issues, and if so, it would be silly to care about the latter while completely ignoring the former.