Dean Obeidallah: I am in the process of giving serious thought to starting to convert my mostly stock portfolio into something that resembles the Golden Ratio portfolio. He asks, do you view ITOT as a proxy only for VUG? Or is ITOT more of a one stop shopping option that covers the stock part of the portfolio? And what advice would you give to address this issue? Is it as simple as you unfortunately need to wait until you are able to convert those accounts into a rollover IRA or similar product? Thanks in advance for your thoughts on these two questions.