<prompt> Human: My husband unexpectedly passed away three months ago due to unknown causes. Thankfully, he had a life insurance policy, and it should be settling within the next month or so. The policy is worth a million dollars. I have a good job working from home, and the kids social security benefits will replace most of my husbands lost income. I dont think Ill need to use most of the life insurance payout, after I pay off my house and car, and finish remodeling the house. My question is: what do I need to look for in a financial advisor? I know I need to look for a fee-only consultant, rather than one based on commission, but thats about all I know. Ive heard that Vanguard may be a good place to go, but Im worried that I wont have any face-to-face meetings; Ive also heard that Vanguards turnover rate can be high, as a lot of employees tend to leave for their own practices. There is a financial planner whose financial group works with my life insurance company, and has been out a couple times and has offered his services. There is also a planner who works with my in laws through Raymond James, and he has offered to work with me as well. Im not sure what to look for, or what I need. I think most of my insurance payout will go into investments that I wont need to really touch or draw out of, but Id like to have an option to take out some money if I need to. If anyone could help, Id sure appreciate it.  <response>: I am sorry for your loss. 1. Keep 50-100k as an emergency fund in a high yield online savings account. You also want to use some of this money to max-fund all available tax-advantaged accounts on an annual basis IRA, HSA, SEP-IRA if self employed, 401k. 2. With the rest, you can easily pick a 3 fund portfolio and manage it on your own. Takes 30 minutes a year to rebalance. You can have all the dividends automatically sent to the above-mentioned bank account. All you need to decide is your personal risk tolerance. 