I want to say that you should be very proud of yourselves, you are doing great and are on track for a very secure life financially. I'm not sure that you really need to do anything drastic. Moving the Roths to Fidelity is a good move.
1. This is somewhat of a toss-up. You don't need $147K in a money market, which is making you around 2.5% after taxes. However, interest rates will go up in the next 15 years, making savings more attractive. At this point I would lean towards paying it off since you can then reduce your need for income (see #3 below). That would leave you with $74K in the MM, still more than 1 years salary, which is quite high for an emergency fund. I would make sure you are maxing out all available retirement vehicles, including 401k. That means $5K for each of you into the Roths for 2008 and beyond. If you have to take a bit out of the MM account this year to do this go for it.
2. What is your dissatisfaction with the current brokerage?
3. I would sell the GSHAX. After eliminating the mortgage payment you will not need the dividends for income, which are taxable. I would move it into a tax-managed fund or portfolio of index ETFs (S&P 500, MSCI EAFE, Russell 2000, etc). I would also consider selling the individual stocks and investing in the same index ETFs. Even though you own a fairly large basket of stocks, you are still taking on a lot of risk playing around with single stocks. CVGRX and CWGIX look pretty good, so you could hold onto them, making them a part of your overall asset allocation.
4. I would keep 6 months of expenses, excluding the mortgage (which you are paying off) in the MM fund. I would move the rest of it into your brokerage account and invest the same as #3, for either medium-long term savings or education expenses for your children. If you feel confident that some of your children will be attending college you could consider putting a chunk of that into a 529 plan.
I would say that in general you are doing quite well and you should trust the instincts that have gotten you this far.
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