I’ve had my Wealthfront account for 3 years. Used for a little bit at the beginning and now have 6 figures in there since end of last year. No issues with deposits or withdrawals, it’s literally no different then my chase or my CU account in that regard. No yearly fees and no minimums.

I use Wealthfront. Don’t have any issues with them at all. Honestly you won’t have problem with all/majority of them.

At your current tax bracket traditional is the way to go if you will be at a lower tax bracket at retirement. Roth only benefits if you are paying low taxes now or if will be a higher tax bracket in retirement. If it’s the same the math has it as a wash/equal.

Personally I view mutual funds as broker's exclusive product which is why someone would use Fidelity for FXAIX vs Vanguard for VTSAX. Purchase them if you're using that broker but generally these mutual funds also have a ETF equivalent and in VTSAX case that would be VTI. If you really want VTSAX you can buy VTI with your Fidelity account.

I don't see much difference between VTSAX and FXAIX and comparing their historical returns are within .5% of each other and their top 10 holdings are the exact same but with different weightings.

Since it sounds like you need your money to have liquidity and low risk for home purchase. That rules out stocks in general. Maybe looking into I bonds or longer term CDs that give you a bit more APY.

Did you take any property depreciation as part of your business expenses? This technically lowers your cost basis so it might increase your capital gains. So that is something to think about if it substantially increases your taxes.

Personally a combination of high dividend stocks to make your 75k/year would be the way I would lean. 60% JEPI/40%SCHD will get you there.