As DW and I enter a new phase in our retirement planning I'm trying to diversify our investments some more, and getting it balanced across all our accounts is really confusing me. When we were just 100% TSM it was certainly easy. But now I want to spread several asset classes across 10 accounts with vastly different balances and tax implications. It seems nuts to me. 1 year ago we even had several more, but I finally got a SOLO this year and I've managed to roll several old 401(k)s together. 2 of our existing accounts can't be rolled together now, but will be able to be consolidated when they're free from red tape in 1.5 years, then we'll be down to 9, but we'll add a DAF and hopefully DW's SOLO 401(k) soon and go back up to 11. My wife and I have been changing jobs every 3-5 years for 16 years now, it builds up a lot of accounts.