[DraconisRex]

Bard -

Why so much in Charisma? You only do Level 6 spells unless you're in Heart of Winter Mode, and if you were, you wouldn't be asking these questions...

Start with 14. Put your Level 12 & Level 16 level ups into Charisma. More points into INT & DEX. You need the DEX modifier to help with your Open/Disarm skills. You need INT to get points to put into Open/Disarm + Concentration + Use Magic Item skills.

And why have a Rogue if you're going to have a Bard? Or, why have a Bard when you're going to have a Rogue? Neither really fights worth a darn.

The biggest upside with a Bard is they have Bard Song, plus cast some healing spells, plus some combat spells AND they open locks. In short, great support PCs, but not for either mano-et-mano or heavy artilary.

Wizard -

Teiflings are the best Wizards. Bar none. A 20 DEX won't keep your wizard alive when he gets rushed. Better to have a shield dwarf wizard and go with a 20 CON or a tiefling and go with 20 INT.

The order of importance of abilities for Wizards is - INT, CON & DEX. A Tiefling gives you +2 total ability points. But can allow a 20 starting INT.

Cleric -

Morninglord is good. So is Ilmater and Selune. Tempus is nice if you're lacking in tanks. Stay away from Moon Elfs. Clerics need HIGH CON, besides WIS & CHA. A dead cleric does you no good.

Party Balance -

I use the rule of 5-Core + Option. Core = 2 Fighter-types, 1 Cleric-type, 1 Rogue-type, 1 Mage-type. You've got all that. Your Bard would classify in the "Option."