since nobody mentioned it: make a last will. As for opinions I'd put maybe 5% in stock indexes (Dow,S&P) as 'risk' and the rest partitioned in bonds and cash i

since nobody mentioned it: make a last will. As for opinions I'd put maybe 5% in stock indexes (Dow,S&P) as 'risk' and the rest partitioned in bonds and cash in high interest account after talking with a tax specialist. I'd forget about money managers.