Emergency funds: Yes, 6 months

Debt: Mortgage 440k, 15y @ 5.75%

Tax Filing Status: Single

Tax Rate: 35% Federal

State of Residence: Texas

Age: 41

Desired Asset allocation: 60% stocks / 40% bonds
Desired International allocation: 25% of stocks

In 2044 when I'm first eligible for social security I'll receive $5,861/mo
Right now I spend $35k/year in discretionary spending and will be spending $44,4000/year minimum on the mortgage.

Portfolio size: $1.2M

Current retirement assets

Taxable
Fidelity
1% VTI 0.25%
3% VT 0.09%

His 401k
21% TRP 2045 Retirement Fund TBLKX 0.25% (OLD EMPLOYER 401K)
8% BlackRock LifePath Index LIHKX 0.09% (CURRENT EMPLOYER, CHARGES % FEE ON BALANCE)
2% SS Target Retirement 2050 V SSDJX 0.21% (ANOTHER OLD EMPLOYER 401K)

Company match? Yes

Cash / CD’s
21% 9 mos @ 4.85%
22% 12 mos @ 5.15%
22% Savings @ 4.3%
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Contributions

New annual Contributions
$23000 his 401k

Available funds

Funds available in his 401(k)
Prefer to stick w/ Fidelity, open to suggestions but likely looking at a Vanguard 2045 target date fund

Questions:
1. Should I consider moving more of my cash to ETFs (specifically VT / VTI / VXUS?
2. Both the TRP and SS 401k’s are from previous employers and I’m unable to reinvest without rolling over to a new account. I’m planning on choosing a Vanguard 2045 Target Date fund but open to suggestions with low ER.
3. I don’t have an immediate need for the cash in the CD’s but can’t see myself deploying that much money into ETFs and waiting for compound interest to do the work. Is there an intermediate step I can choose for great returns as CD rates fall?
4. I have no debt aside from the house I just bought and can easily afford. How quickly should I consider paying it off?
5. How am I doing at 41yrs old? Any blindspots?
6. If I want to retire in 9 years is it possible and how do I set myself up for this?