Welcome, MomofFour.
I won't have all the answers, but I'll try weighing in with some food for thought....
Maybe it's my imagination, but your portfolio seems like it's all over the place. Is it maybe a mash-up from when you guys were married? I'm a simpleton, so I would lean towards consolidating and simplifying everything.
For one thing, I would STOP buying any more GSHAX, CVGRX, and CWGIX! The expense ratio is irritating enough, but the front load is insane. Plus, GSHAX in particular is in a taxable account....
Whether you want to keep CVGRX and CWGIX, or sell them is up to you, but if you don't need the passive income, I would definitely consider selling GSHAX.... It's very tax-inefficient, and yet, it's sitting in a taxable account....
More importantly, do you guys like owning individual stocks? I could be wrong, but those are um.... interesting picks.
In the sense that they're highly publicized picks. Tell me, which publication articles do you guys read?
In general, I don't recommend following any stock tips from any articles explicitly.... I recommend to do your own homework... and more importantly, realize that most publicized stock tips fail due to market efficiency and the speculation effect.
Personally, the only ones I like out of the bunch is JNJ and UNH.... If you like stocks and stock picking, I would keep them until market conditions improve (eventually). If not, I would just go ahead and sell them all, and use it as a tax deduction (if any) to off-set any mutual fund sells you make.
Oh yes, and I would also consider paying off your mortgage... because you have more than enough funds to do so... and chances are good that your money market interest rates are lower than the mortgage's right now.... But that's just me.
Well, anyway, good luck. I think you guys are in very good shape... especially for a combined income of only 50k. Tell me, how do you guys do it?
As for your portfolio, I think it's just a matter of getting all of these investments simplified and more tax-efficient.
Oh yeah, and there are plenty of good investment companies out there, but if you like Fidelity, I'd say go ahead and just stick with them. Then you can have all of your investment needs under one roof.