<prompt> Human: Hi rpersonalfinance,I graduated college last year with zero debt, a car, a job, and a sizeable investment account that my grandparents have been adding to over the years. I know Im extremely blessed to be in this financial situation so early in life, so I want to make sure I handle this money the right way. I gained control of my investments a few months ago, so Im looking for some advice on how to diversify this money in the short term, and use it in the long term.Some questions that I have:Since the entire portfolio is based on one companys stock price, how do I decide when to sell and diversify?Since the stock was given to me by my grandparents, would I pay capital gain tax based on the stock price when I received it, or when they received it? Can I defer these capital gains? What should I do with the money long-term? Should I sell some of the stock to put a down payment on a house, or just keep adding to it so that I can potentially have a million dollar investment account in my early thirties? Basically, what is the best way to leverage this money?Are financial advisers worth it? Id prefer not to pay the fees associated with having someone manage my account, but its something that seems worth considering.Any helpadvice would be greatly appreciated! Assistant: You should really schedule an appointment with a CFP Certified Financial Planner. They have to advise you in a way that serves your best interest and this is a little above the pay grade of a sub Reddit. Human: Ok, thanks for the advice! I actually have a friend who is a CFP who has been trying to get me to come in for a consultation, so I might do that.  <response>: I second not involving a friend in your finances. 