Age 53, retiring in a year with state pension, and Deferred Comp, this is my Roth trying to max it annually, started late. Keep some individual stocks in brokerage also. Wife will continue to work(120,000 yr) for 10 more yrs. We have been just under the MAGI to contribute to Roth. This money was not counted for retirement planning, just fun account. Looking to increase yield(3.75% currently) nothing wild like yieldmax, consolidate holdings? or rebalance trying to keep it simple for the next 6-7 years. Moderate risk tolerance