I am not going to give you the "this is what you should do advice" because it is your money and you really need to figure out your goals, but for me personally,

I am not going to give you the "this is what you should do advice" because it is your money and you really need to figure out your goals, but for me personally, I would pick up as much prime real estate as possible while keeping a good portion liquid. Oceanfront residential, land not houses. The point is, this property is always in high demand and even though it fluctuates with the market and did burst with everything else, prime real estate is always worth the same relative to the broad market of consumable goods. Which is really what you want to measure by (if you are only looking to protect your net worth), economies will inflate and deflate, as well currency and debt backed assets are a horrible way to keep net worth (its a good way to get rich quick, if you know what you are doing). Take gold for example (a true asset) it was once said that "an ounce gold in the 1800's would buy you a nice suit, and today an ounce of gold will still buy you a nice suit" the economy has changed but the worth is relatively constant. That is the crux of what you are looking for if you are just trying to protect your net worth. If we look at it in a simple analogy x piece of property is worth y horses. x property may be worth $100 at current market and y horses may be worth $10 at current market, but general x property is worth y horses. It may vary slightly but the two stay relatively in sync. This is how you need to think about assets and protecting net worth not in terms of dollars. When you do this it makes the picture of investing far simpler (for inflationary hedging and protecting net worth). Now if you are looking for speculation to try to increase net worth then it is a whole different ball game and requires educating yourself extensively because as it was said before financial adviser really have no incentive to make you rich. If that is what you are looking for advice on the best advice is don't take any, you have to educate yourself and by all means start small.