Is the intro APR on the credit card 0%? If not , I’d pay down that first. The two loans are pretty low rates honestly and some high yield savings accounts will return higher amounts nowadays. I’d prioritize establishing a better emergency fund, contributing 8% to the 401k, then paying down the loans

Second this. While you have solid income and some assets, an advisor really won’t offer a ton at this stage for what it’ll cost. Do some homework, stick to low expense ratio index funds, and keep up the good work.

Advisors can become more helpful when you have kids or are planning for retirement. Then they’ll model out scenarios, show likelihood of success, etc.