Second this (not a former financial advisor) Too safe can be just as bad as too risky. If you want to buy a house this year, sure keep it in cash. But if you wa

Second this (not a former financial advisor) Too safe can be just as bad as too risky. If you want to buy a house this year, sure keep it in cash. But if you want to still have this money 20 years from now, then you'd probably want to invest some of it. You don't need to do one thing with all of it, and a FA can help you understand your preferences and timelines to be smart with it.