I don't think this applies in 4E. First of all, you only add your dex or int modifier to AC if you are using light armor, which he won't be in the long run, although I guess he is now. More importantly, you can add either your dex or your int, whichever is higher. So his +0 int bonus, which is higher, applies, and thus no penalty.Finished copying your character sheets. Here are a few more minor things I've noticed:
Redclaw: Don't forget your -2 dex to AC.
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Walking Dad: It looks like you have 5 trained skills. Shouldn't it be 4 for wizard?
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I don't think this applies in 4E. First of all, you only add your dex or int modifier to AC if you are using light armor, which he won't be in the long run, although I guess he is now. More importantly, you can add either your dex or your int, whichever is higher. So his +0 int bonus, which is higher, applies, and thus no penalty.
Hope you guys have fun!