[Mike Lowe]

Thanks for the feedback, yeah I thought the same thing about over diversification.

Aside from setting things up ourselves, it seems there are Fidelity Freedom Fund options with different target dates.

Are these the sort of simplified ones you talked about?

And yes, the vested info I may have misspoken about:
She is 100% vested after 6 years. Now she is at 0% vested and after 2 years she'll have 20% vested.

I'm not sure when/if the 6% company match increases. I do know that that is the match right now and that they match .50 to the dollar.