If it was me I'd take whatever your current annual post-tax household income is, multiply by 22 (to get you to 65), and put it in the bank. This is the money yo

If it was me I'd take whatever your current annual post-tax household income is, multiply by 22 (to get you to 65), and put it in the bank. This is the money you'd have made between now and retirement - treat it as a salary, paying yourself out monthly, and contribute to a pension as you would have if you'd been working. Doesn't really matter what you do with the rest of your money, but I think hiring a personal wealth manager is pointless - you have enough, you don't need to grow it.