Apologies for yet another international allocation question, but have been very torn on this and trying to get some other opinions.
Context: MFJ, Very top of 24% tax bracket, 3.07% state tax, 3.8% NIIT tax, maxing HSAs/Roths (backdoor)/401ks. Large portion of income is RSUs that could push into 32% bracket on any given year based on company performance.
Historically, I have been doing around 70/30 US/international in all accounts for simplicity, including our brokerage account. However, hit 200k VXUS in brokerage account and starting to look into optimizing more. When I run the numbers per [PoF](https://www.physicianonfire.com/international-stock/), it would be slightly more tax efficient for international in 401k (ballpark of $200 tax difference per 100k). Currently, I contribute roughly 30k in VXUS to brokerage every year alone (not counting gains), so that $200 could add up quickly.
So considering shifting international allocation into 401ks moving forward, but would mean all future 401k contributions are 100% international to maintain the same allocation.
Questions:
* Am I over complicating? Should I just keep it simple and keep doing what I am doing at 70/30 in all accounts?
* Is there a diversification risk to having largely only US in brokerage and international in 401ks? Is it better to have diversification in each account type?
* **Very concerned about this.** I do my own taxes. I have read that Form 1116 is a nightmare. I have not had to do it yet, but am nearing that point. Also, I am very close to not being able to get the adjustment exception, which adds more complexity. I watched some videos and it doesn't seem too bad but not sure. I use HR block which doesn't handle no adjustment exception either. Any experience here? Is it worth planning around Form 1116?
As mentioned, been very torn on this so any opinions and feedback is much appreciated.