SCHF
Schwab International Equity ETF
stock NYSE ETF

You will want to keep the TDF 401 max stuff the same.
In addition to that, you should open a brokerage account on Fidelity, Vanguard, or Schwab. Then you can open an IRA and start maxing that out every year as well. For Fidelity you would want to buy FSKAX and FTIHX; Vanguard would be VTI and VXUS; Schwab would be SCHB and SCHE+SCHF. Those are a total US (which obviously includes the S&P) and a total ex-US.

It’s great you’re maxing out your 401, and you should keep doing that. If you tell us the ticker for your TDF, we can look it up. You should always understand what you’re buying so this will be a good exercise for you.
What’s a flip and what are you asking if what will have a difference? You should continue to max your 401 out every year. In addition to that, you should open a brokerage account on Fidelity, Vanguard, or Schwab. Then you can open an IRA and start maxing that out every year as well. For Fidelity you would want to buy FSKAX and FTIHX; Vanguard would be VTI and VXUS; Schwab would be SCHB and SCHE+SCHF. Those are a total US (which obviously includes the S&P) and a total ex-US.

Actually, 2025 was a better time to get into international stocks but it isn't too late. The cycle is probably just starting.
If you are under 30 years old I guess the heavy allocation to QQQM is OK but it overlaps 52% with SPY/SPYM so it increases your concentration in large cap tech stocks, which could be a good thing or a meh thing depending on how that sector performs.
With the current de-dollarization occurring it is probably wise to have a small position in gold. So you might have something like;
* 400 to SPYM or VTI or SCHB
* 100 to QQQM or SCHG
* 300 to VYMI or 200 to SCHF and 100 to EMXC
* 100 to IAUM
* 100 to SPAXX

VXUS is vanguards version of a total ex-US. If you like Schwab then it would be SCHE+SCHF; and fidelity would be FTIHX.
No, dividends are irrelevant. This has been studied extensively. The only benefit a dividend has is a psychological one. There was a time when selling stock was complicated and expensive, but that hasn’t been the case for over a decade. If you need cash in retirement or passively then you sell stock. You’ll have more money if you do not focus on dividends; total return is all that matters.

You will want to keep the TDF 401 max stuff the same.
In addition to that, you should open a brokerage account on Fidelity, Vanguard, or Schwab. Then you can open an IRA and start maxing that out every year as well. For Fidelity you would want to buy FSKAX and FTIHX; Vanguard would be VTI and VXUS; Schwab would be SCHB and SCHE+SCHF. Those are a total US (which obviously includes the S&P) and a total ex-US.

It’s great you’re maxing out your 401, and you should keep doing that. If you tell us the ticker for your TDF, we can look it up. You should always understand what you’re buying so this will be a good exercise for you.
What’s a flip and what are you asking if what will have a difference? You should continue to max your 401 out every year. In addition to that, you should open a brokerage account on Fidelity, Vanguard, or Schwab. Then you can open an IRA and start maxing that out every year as well. For Fidelity you would want to buy FSKAX and FTIHX; Vanguard would be VTI and VXUS; Schwab would be SCHB and SCHE+SCHF. Those are a total US (which obviously includes the S&P) and a total ex-US.

Actually, 2025 was a better time to get into international stocks but it isn't too late. The cycle is probably just starting.
If you are under 30 years old I guess the heavy allocation to QQQM is OK but it overlaps 52% with SPY/SPYM so it increases your concentration in large cap tech stocks, which could be a good thing or a meh thing depending on how that sector performs.
With the current de-dollarization occurring it is probably wise to have a small position in gold. So you might have something like;
* 400 to SPYM or VTI or SCHB
* 100 to QQQM or SCHG
* 300 to VYMI or 200 to SCHF and 100 to EMXC
* 100 to IAUM
* 100 to SPAXX

VXUS is vanguards version of a total ex-US. If you like Schwab then it would be SCHE+SCHF; and fidelity would be FTIHX.
No, dividends are irrelevant. This has been studied extensively. The only benefit a dividend has is a psychological one. There was a time when selling stock was complicated and expensive, but that hasn’t been the case for over a decade. If you need cash in retirement or passively then you sell stock. You’ll have more money if you do not focus on dividends; total return is all that matters.

I was more curious about the reasoning for a dozen+ holdings!
I don't use Schwab, but if this were me, I would change it to self-directed and just put the cash and all future contributions into the SCHX/SCHF (or VT).

IDMO is basically like taking momentum from SCHF or a "developed" markets ETF, same idea as VOO with SPMO.

VFMO never got as much attention, but FMTM is interesting but more expensive, less stocks, etc.

Some people would say pairing momentum with value gets rid of more junk than just the index, but that depends on what cycle we are in. you can't really go wrong with just the index or some % of momentum and value.
When anyone looks at a chart of VXUS or ex-US they always ask why bother with this ? Regardless, good to have some ex-US if you're investing longterm - or just build a core with $VT. US is like 60% of the world's equity market, if that changes $VT will weight to whoever pulls ahead.