32 years old? No need to get complicated or pay someone else to tell you to basically go full steam ahead. Max out the 401k, stay away from the Target Funds and go low fee index. 2/3 Total Us Equity Index and 1/3 International Equity Index. Rebalance every year. Google “Bogleheads” and start reading. When you hit 55 start thinking about going more conservative, when you hit 60 start getting VERY serious.
You’re welcome. I’ll take my consulting fee in the form of scotch whiskey.