<prompt> Human: Using a throwaway. Some background:My siblings and I have been partial owners of a large apartment complex since we were kids, but have never seen a dime of income since it went to our parents. The city closed escrow on the property last week, so now the cash is going to us. Each of us has 3 million divided between 12 or so different banks as to keep the money insured and we plan to pool our money to buy a newer property, but are open to suggestions. We have 90 days to tag another property Southern California to avoid capital gains taxes. Is there an alternative Im unaware of?First, I am going to pay off my familys two cars and house although we refinanced to 2.75 five years ago, so if I have to take a loan out on the house for to cover any spare change in the investment, I could be screwing myself over.Then Ill put aside enough to live on until I see income from the next investment.What would you do? Perhaps someone who has more experience in real estate investment knows the best way to handle this. I, of course, have a financial planner, but I cant help but feel like hes just in it for the percentage and not to actually help us save. Even though Ive been preparing for the sale for almost a year, I still feel like I dont know anything. Thanks PF, longtime subscriber on my main account.  <response>: Youve been preparing for the sale for a year and dont know anything, yet you have a financial planner? Fire him. 