Haha, you are the 1%.:).

Roth contribution is  170K, this is after deduction from 401K, so your family income is above 200K... Be careful about your privacy.:).

Based on what you said, your investment shouuld target qualified dividend and long-term capital gain. That's why I mentioned Romney, he is paying 15% effective tax because his income mainly come from qualified dividend and long-term capital gain. This is tax planning for future. You have to look a little bit further, i.e. you may not save much tax now, but a good plan might reduce your future tax.

Congratulations to you that you have done your duty to your kid's education. I am proud of myself, too, to finish my obligation to my daughter, a mission well done.:).