Self directing funds at Vanguard

1)I’d combine your sep and traditional.
2) I’d make sure you have large value and large growth. I’d consider that for mid and small caps too. -but it looks good for a first stab.
3) 25% international looks good.
4) I’d make sure any of the bonds you hold are not long term.
5) I’d make sure the bonds in the brokerage account are tax free.

Just curious...Why did you move from Morgan Stanley if you are going to come here and ask for advice? Do you really trust annonymous message boards with half a million bucks more than you do someone you know?

Honestly, go talk to and pay a financial adviser before you screw up your retirement. Yes, most of us know a general amount about investments etc.; however, we do not know your long term goals, your financial situation outside of these retirement accounts (assuming ok being as you have 100k in tax accounts) or your desired risk tolerance. Personally, I have

1.Vanguard Total Stock Market Index Fund Investor Shares 60%
2.Vanguard Total International Stock Index Fund Investor Shares 30%
3.Vanguard Total Bond Market II Index Fund Investor Shares* 5%
4.Vanguard Total International Bond Index Fund Investor Shares 5%

I also have a long time before retirement at 30 years old.

@ 48 y/o , You might be looking at something like:

1.Vanguard Total Stock Market Index Fund Investor Shares 50%
2.Vanguard Total International Stock Index Fund Investor Shares 25%
3.Vanguard Total Bond Market II Index Fund Investor Shares* 15%
4.Vanguard Total International Bond Index Fund Investor Shares 10%

Since, you didn't tell us your risk tolerance, this is more conservative. I believe if you do not know your risk tolerance, you go a bit more conservative.

fees

still making good money, probably plan to keep working for a while, so fair amount of risk is ok