I am close to an arrangement with a financial planner to manage half my retirement portfolio. I recently retired, am in my mid-60s and need someone trustworthy to assist my spouse after my death. I have told the planner I want to keep half the portfolio allocated in an existing IRA with three Vanguard index funds -- 50 percent in Total Stock Mkt (VTSAX), 40 percent in Total Bond Mkt (VBTLX) and 10 percent in Total International Stock Mkt (VGTSX). So that leaves the remaining half of the portfolio for the planner to advise. My prerequisites are no-loads, a 5-year track record and minimum three M*s. Considering how the Vanguard half is allocated, what would be a moderate risk allocation of about eight more funds or indexes to round this out? Thank you.