Hello everyone! Since we are maxing out our 401ks and IRAs, my husband and I are thinking about opening a taxable account. I'm considering Betterment, given the TLH benefit (we are in a high income tax bracket), but I understand this will require wash sale management. Can anyone help me with understanding how I manage against a wash sale for all my accounts? I've listed below the funds that my accounts have. Should I switch some of these accounts to target retirement funds to avoid the wash sale issue due to 401k auto investment issues? For anyone that manages wash sales, is it annoying and should I just give up on TLH and open a vanguard account with vtsax? I've read one of the Bogleheads books, but hadn't concerned myself too much yet with the asset allocation in my accounts because I only have non-taxable or tax deferred for now, but now with introducing a taxable account, I'd also be interested if people have some asset allocation advice as well.
Betterment ETFs:
https://www.betterment.com/resources/research/tax-loss-harvesting-white-paper/?_ga=1.133717518.1877823637.1462980490#etftableMy 401k (has an option to switch to a vanguard target retirement fund):
FXAIX - SPTN 500 IDX ADV IS
VBMPX - VANG TOT BD MK IS PL
VGSNX - VANG REIT IDX INST
VIPIX - VANG INFL PROT INST
VSIIX - VANG SM VAL IDX INST
VTSNX - VANG TOT INTL STK IS
Spouse 401k (has target retirement funds):
VEMPX - Vanguard Extended Market Index Fund
VIIIX - Vanguard Institutional Index Fund
VTMNX - Vanguard Tax-Managed International Fund
VBTIX - Vanguard Total Bond Market Index Fund
My Roth IRA: FFNOX - FIDELITY FOUR IN ONE INDEX
Spouse Roth IRA: VFIFX - Vanguard Target Retirement 2050 Fund Investor Shares
NY Saves 529 Vanguard (Growth Portfolio):
Vanguard Institutional Total Stock Market Index Fund (52.5%)
Vanguard Total International Stock Index Fund (22.5%)
Vanguard Total Bond Market II Index Fund (20%)
Vanguard Total International Bond Index Fund (5%)