FLCB
Franklin U.S. Core Bond ETF
stock NYSE ETF

My Mom is 76 and not in the greatest health and has a fairly serious surgery coming up next month. She had a "friend" who was a financial advisor (I guess) doing this for her previously, but it has sat idle for a long time. She has ~$64K across several accounts in Schwab with auto distributions going into her checking account. She has $142,000 in her Chase checking and we're working on getting it into a HYSA.
The plan is to add ~ 100 to 120k of her cash into Schwab and run a 30/70 stocks to bonds split. I assume I would leave the brokerage accounts mostly as is, sell the high ER shares, and buy VTI/VXUS in appropriate ratios?
Besides keeping the BND and selling the high ER shares, any suggestions on what do I do here?
*
*
Brokerage #1- XOM $35,921.36
Rollover IRA #1 - BND $7,938
Rollover IRA #2
* FIXD $1,293.69 (0.65% ER)
* FLCB $479.49 (0.15% ER)
* BND $298.40
* MBB $95.50
* PHYZX $469.67 (0.51%)
* ICSH $355.18
~$2,797
Brokerage #2
* SCHG $7,963.20
* SCHV $5,111.76
* VXUS $5,087.08
* SCHM $4,235.04
* SCHZ $3,342.68
* SCHE $3,095.82
* HYLB $2,362.88
* FLCB $1,569.24 (0.15% ER)
* FLQL $1,386.60 (0.15% ER)
* SCHA $1,116.40
* FIXD $490.61 (0.65% ER)
~$35,921.36
*
*
*
I use Vanguard so I'm not familiar with Schwab or their products, but my plan for the bond portion so far are these ratios in the tax advantaged accounts:
* SCHO - 35%
* SCHP - 30%
* SCHZ - 20% (keep existing BND)
* SCHR - 15%
With the additional 100 to 120K added is she forced to carry the additional bonds in one of her brokerage accounts?

My Mom is 76 and not in the greatest health and has a fairly serious surgery coming up next month. She had a "friend" who was a financial advisor (I guess) doing this for her previously, but it has sat idle for a long time. She has ~$64K across several accounts in Schwab with auto distributions going into her checking account. She has $142,000 in her Chase checking and we're working on getting it into a HYSA.
The plan is to add ~ 100 to 120k of her cash into Schwab and run a 30/70 stocks to bonds split. I assume I would leave the brokerage accounts mostly as is, sell the high ER shares, and buy VTI/VXUS in appropriate ratios?
Besides keeping the BND and selling the high ER shares, any suggestions on what do I do here?
*
*
Brokerage #1- XOM $35,921.36
Rollover IRA #1 - BND $7,938
Rollover IRA #2
* FIXD $1,293.69 (0.65% ER)
* FLCB $479.49 (0.15% ER)
* BND $298.40
* MBB $95.50
* PHYZX $469.67 (0.51%)
* ICSH $355.18
~$2,797
Brokerage #2
* SCHG $7,963.20
* SCHV $5,111.76
* VXUS $5,087.08
* SCHM $4,235.04
* SCHZ $3,342.68
* SCHE $3,095.82
* HYLB $2,362.88
* FLCB $1,569.24 (0.15% ER)
* FLQL $1,386.60 (0.15% ER)
* SCHA $1,116.40
* FIXD $490.61 (0.65% ER)
~$35,921.36
*
*
*
I use Vanguard so I'm not familiar with Schwab or their products, but my plan for the bond portion so far are these ratios in the tax advantaged accounts:
* SCHO - 35%
* SCHP - 30%
* SCHZ - 20% (keep existing BND)
* SCHR - 15%
With the additional 100 to 120K added is she forced to carry the additional bonds in one of her brokerage accounts?