[masraum]

Originally Posted by sugarwood

Stick to index funds.
Do not hire any FP.

Originally Posted by Por_sha911

Even though you have maxed out the 401k match, you can still put more into the 401k without the match. Costs will be low and investments are usually safer than going to an investment "counselor" who turns out to be the Wolf of Wall Street. Diversify with different levels of risk.

You can put more into 401k pre or post tax. There are some lines of thought that say that having some 401k or IRA post tax and some retirement savings pre-tax is a good hedge against the future.

Not all financial advisers are crooks, you just have to know how to find a good one.

If they are free, then you're likely to get screwed. Their pay has to be coming from somewhere, and if it's not you paying them, then it's someone else and that someone else's interests will be covered rather than the investor. Likely from incentives to have folks invest in stocks abc and xyz whether those are good performeners or maybe in managed funds whose high fees are paying their salary.

Find a financial advisor who has a fiduciary responsibility to the investor. You'll have to pay them. It's good to get to know them and find one that is a good fit to your personality and risk profile.

For more info on picking a financial advisor...
How to Choose a Great Financial Adviser | Paul Merriman
He has a free ebook. You do give him your email address. I have and I don't get spammed by anyone other than getting an email from him every 2 weeks. I'm not affiliated other than believing what I read. He has some books on Amazon that you can buy, but he donates all proceeds to educating folks about finances.