Help with diversifying 4 accounts based on risk
I'm a 23 M, just started working full-time out of college (just got my first paycheck), and am trying to do my best to research what ETFs I should be investing in across my four accounts. My goal is to primarily be a set it and forget it kind of a guy and only make changes in extreme circumstances.
After some research, I've come up with this sort of ranking of each account based on risk I want to take with it (this may seem obvious but I'm a newbie):
[Low to high risk]: 401k, Roth IRA, CMA/MMMF, Brokerage
Currently my Roth is in a TDF (FDKVX), my Brokerage is in VT, and my CMA is in VOO, but I think I can do better. My consensus so far is that I can probably do VT or a TDF with my 401k, either keeping VOO (or maybe VTI but I know they're basically the same) for the CMA, and QQQM with my brokerage account. But I still haven't really figured out how my Roth will fit into this puzzle, but I feel like a TDF is not the right answer for it.
Thank you in advance.