35 years old and looking for some help with my portfolio

35 years old and looking for some help with my portfolio I’m 34/35 and have around $400k in investable assets. This is basically retirement money, and I don’t expect to need most of it for decades. I also probably won’t be making regular monthly/yearly contributions going forward, so I’m trying to figure out how I should allocate what I already have. Roughly: \~$220k in HYSA earning around 4% \~$35k in SGOV \~$120k+ in individual stocks, mostly AAPL, NVDA, AMD, MSFT, TSLA, AMZN Small amount in VOO \~$20k in a Roth IRA and \~$20k in a Traditional IRA, both currently in Fidelity Go accounts 😂🤣 My plan with the Fidelity Go accounts was basically to let them grow past $25k and then move them into regular self-directed IRA accounts at Fidelity. Most of the individual stocks were bought quite a while ago, so I have some significant unrealized gains. I’ve kept a decent amount in SGOV/cash because VOO/S&P 500 had been going up so much that I kept thinking there would be a correction or crash and I’d be able to buy in cheaper. Obviously, that hasn’t really worked out 😅