u/CJ_Be_Careful

The Schwab account is a rollover from previous jobs. The Bank of America/Merrill Lynch is my current job investments. I currently have 5% per paycheck (3% Roth and 2% pre tax) and company matching with max 4%. Being 33 years old, figured I have time on my side, so am investing at a 97% stock to 3% bond ratio, moving over 1% per year. Any suggestions to better set up my family’s future?