There was a poll a while back that showed that at least 50% of the posters on here were women... so don't assume we're all "Gents" around here. ;)
You need to read up on an investment policy statement, decide what your asset allocation should be, and then invest accordingly.
http://www.bogleheads.org/wiki/Investment_policy_statementhttp://www.bogleheads.org/wiki/Asset_allocationBut I would suggest you should be taking advantage of the 401Ks offered to you and your spouse and max them out first before heading to a taxable account. That's like the last step in a generally smart investment plan. First steps generally are a mix of 401k to match, HSA (if available), Roths (if eligible), 401K max out, (and there are discussions about which of these should be in what order) but THEN taxable last.
And you can do the exact thing for less money that Betterment offers. Just stick to Vanguard if you like them.
http://jlcollinsnh.com/stock-series/^throwing this out there just in case you haven't read it, then READ it. It is awesome. :)