Put your money in a tax deferred account like a Roth IRA or 401(k). Find a cheap target date fund that’s for the year you turn 65. It’s the way to go for people who don’t know what they’re doing. It balances the portfolio automatically based on industry standard advice for retirement. Read through the prospectus for the fund and make sure it fits your goals and risk tolerance.
The need to be acting as a fiduciary which has a legal definition.