re: How often do you make contributions to your portfolio?

quote:

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I would prefer to rebalance at 12+ months, but it seems the only way to accomplish this is hold off on contributions until this time.

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I really think you should open an account with a robo-advisor like Betterment or Wealthfront and give it a try. Based on the risk profile you choose, with robo-advisors you get excellent diversification using low cost ETFs. In addition you get periodic automatic rebalancing and tax loss harvesting done by the computers without the adverse effect of any human behavioral fallacies at a fraction (0.15-0.25%) of what you would pay a professional financial advisor. I am slowly moving all my retirement savings (outside of my 401(k) to my Betterment and Wealthfront accounts. You set it once and forget about it. The beauty is that the computer/algorithm does the work for you and so you can spend time doing other things that you actually enjoy.