Montecfo
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Goal- 50k in retirement income (this was stated in OP)
Goal- retire at or before age 72 (stated in OP)
A lot of people trying to help you. I think you need the same things most folks need when saving for retirement:
Save more
Value engineer your lifestyle to spend less while.continuing to enjoy life.
Your strategy seems ok to me. Most folks here are indexers, but your strategy seems fine if it is not too unwieldy for you to manage.
You are more than 20 years from retirement. I would not worry too much about allocation to bonds at this point. I would certainly not go to 60/40. You need growth at this point from what I can tell.
It is great to have all your funds at one brokerage, but not essential. E-Trade regularly rates highly as does Fidelity. Vanguard is better if you prefer their funds, but their brokerage side is not as robust Kiplinger and Barron's annually rate the brokers and you can use those to dial in selections based on planned usage. Those reviews are free online.
But again, top priorities in my view are saving as much as possible and reducing expenses. When you can combine both of those it can move your planned retirement date a good bit.
Best of luck.