CBOJ
Calamos Bitcoin Structured Alt Protection ETF - January
stockBATSETF

A variation on this: I'd lean to RISR rather than BND And not just do vti. I'd weight your US allocation between SPMO, VOO, VTI. Right now I'd weight more to (1)SPMO -> (2)VOO than (3)VTI and (4)VXUS. Yes to FBTC, but there are protected from cap loss bitcoin ETF's (Calamos CBOJ, CBTJ, CBXJ) that may be more suitable for an older person. And consider a hedge like the fund manager is doing with this ETF: HF The hedge would help with risk management. Prospero uses a 6% hedge (SQQQ, QQQ). Just something to look at (backtest it) like 6% SH with your large allocation to SPMO, VOO, VTI.