OP might need to interview a few professionals, because I talked with a retirement advisor (free via work) shortly after college and they basically told me "You

OP might need to interview a few professionals, because I talked with a retirement advisor (free via work) shortly after college and they basically told me "You're young, you could lose all your money tomorrow and it won't matter in the long run" and basically gave the normal advice of "buy index funds." Similarly trying to find someone now that I can pay for advice is difficult because there's no one around working with young professionals. You either need a few mil in assets, want them to manage all your money, or be 10-15 years from retirement.