Every individuals circumstances are DIFFERENT... and decision must be based on their circumstances. That's why I always refer people to their accountant or tax professional! You have to do the math... and that math either works or doesn't.
There's nothing wrong with Vanguard as long as you have some choices - then you just need to research all they have to offer and pick the best ones they have.
Sounds to me like you've made a good educated inquiry with the right people and you've made a good decision based on that input. Not much more a guy can do than that!
