Under the Tax Cuts and Jobs Act, you are still allowed to make nondeductible contributions and still allowed to convert IRA assets to Roth IRA.
The University of Virginia plan includes funds sufficient to produce these excellent portfolios.
Even over the income threshold, you may still be able to add funds to your Roth IRA with what is called a backdoor Roth.
Sometimes, there isn’t enough to do it all. Even then, fund your Roth.
We have created several asset allocation tools to aid those seeking an intelligently diversified portfolio.