VTV
Vanguard Morningstar Value ETF
stock NYSE ETF

VTV - the low tech concentration is why I like it. If you want tech exposure combine it with VUG

Since you’re planning a house in 5‑10 years, the safest move is to keep most of the account in cash‑like or short‑duration bonds and only a small slice in low‑tech, defensive equity ETFs. A 60/40 combo of SGOV (≈4% yield, minimal upside‑risk) plus a dividend‑heavy, low‑vol fund such as SCHD or VTV will get you around the 5‑7% YTD you’re after without the tech‑driven swings – you’ll still preserve capital but earn a hand‑off of equity upside. If you want to avoid tech altogether, utilities/consumer‑staples ETFs like XLU or XLP can replace the equity side, and then you can keep the bond mix at 70‑80% to stay well below a 3‑5% burnout. In a retirement or tax‑advantaged account you could simply pick a target‑date fund that shrinks to bonds as you move closer to the purchase and you’ll get the same low‑risk smoothing without the fuss.

VTV - the low tech concentration is why I like it. If you want tech exposure combine it with VUG

Since you’re planning a house in 5‑10 years, the safest move is to keep most of the account in cash‑like or short‑duration bonds and only a small slice in low‑tech, defensive equity ETFs. A 60/40 combo of SGOV (≈4% yield, minimal upside‑risk) plus a dividend‑heavy, low‑vol fund such as SCHD or VTV will get you around the 5‑7% YTD you’re after without the tech‑driven swings – you’ll still preserve capital but earn a hand‑off of equity upside. If you want to avoid tech altogether, utilities/consumer‑staples ETFs like XLU or XLP can replace the equity side, and then you can keep the bond mix at 70‑80% to stay well below a 3‑5% burnout. In a retirement or tax‑advantaged account you could simply pick a target‑date fund that shrinks to bonds as you move closer to the purchase and you’ll get the same low‑risk smoothing without the fuss.

Makes sense. I lowered my VTI exposure and added some VTV for value exposure.

Leaving a 1% advisor you barely talked to is the right call at 34. The hard part now is collapsing \~15 tickers into something you’ll actually rebalance once a year.
In the taxable brokerage you don’t need to sell the big-gain SPYG / SPYV / IEFA chunks today. Keep selling the small / low-gain stuff first (VTEB, HMOP, the IJK/IJT/IJS/IJJ/VTV slice), then park that \~$28k into \*\*one\*\* US core and \*\*one\*\* international core (VOO or VTI + VXUS is enough; feeding existing IEFA/IEMG instead of opening VXUS is fine too). Mid/small/value/growth sleeves can wait until the core is boring.
Taxable caveat: every sale can create a tax bill. Prioritize losses and tiny gains, and don’t force a full cleanup in one tax year if it hurts.