Okay, so here's my current situation: I am 31 years old, and I have been working in education for three years now. Fortunately for me, I just paid off ALL of my student loans (WOOHOO!). Now that I've paid off my student loans, I would like to invest this money towards retirement. I have NOT opened a 403b or a retirement account within my school district (AVUHSD); however, I did open a personal Roth IRA with Vanguard a few years ago, and I continue to max it out each year. I chose to first go with a Roth IRA because it is a post-tax contribution, which would help to balance my pre-tax pension when it comes to retirement.
Today I was told by a "retirement adviser" that if I were to continue to work in education and retire at the age of 65 I will receive 91% of my salary in retirement. After hearing that I had a Roth IRA, he then made it sound like I should open a retirement vehicle that mimicked the S&P 500 and that would guarantee me a certain return in order to avoid having all of my retirement vehicles be attached to the stock market. I'm not going to do this because I did some research and it sounds like that's a terrible idea. However, I'm not sure what else to do beyond my Roth IRA.
Should I open a 403b with Fidelity or Vanguard through my employer's providers? Should I try to invest in another way outside of the stock market (i.e., real estate, other retirement vehicles that I don't know about, etc.)? Is it okay to have both a 403b and a Roth IRA both being invested in the stock market? What happens if the market were to crash as I go to retire with both of these vehicles being attached to it?
I appreciate anyone's time for being willing to answer my questions! Thank you!