This really isn't that hard. I've been retired for over a decade so I limit any new investments to only those that generate monthly cash flow from day 1. I will never understand why people feel they need to hire a Financial Advisor to pick mutual funds for them in return for 1-2% or more of their assets under management.

Plenty of very broad based funds to put $ into that will do as well as anything a broker will pick for you (that makes them a management commission)

My parents recently passed and I'm the executor of their estate. I'm dealing with their financial advisor who put all their money into variable annuities and then stuck it all in a bunch of load mutual funds. He would brag to them all the time how much "he" was making them.

My parents would have done better with less expense by just putting their money into SPY or QQQ or Vanguard 500 fund and it would be way easier for me to liquidate their holdings and distribute them to my siblings.