| ETF | Allocation | Role |
|---|---|---|
| VTI (Total Market) | 30% | Core U.S. equity (better than VOO) |
| VXUS (International) | 15% | Global diversification |
| SCHD (Dividend) | 15% | Income + stability |
| QQQM (Growth) | 10% | Tech exposure |
| SGOV or SCHO | 30% | Cash buffer |
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