<prompt> Human: Thanks to a frugal living and consistent investing, my 73 year old retired mom is the millionaire next door. Since dads passing a year ago, I help with her finances- she handles daily expenses, but I help guide the big picture. Theyre divided into 2 main buckets: A bit less than half in CDs that will mature in October, and more net worth in a mix of Vanguard funds, which alone have more market risk than someone who will never work again should have.As you know, the market has been pretty good lately- her YTD returns on the Vanguard pile are a nice profit. Im trying to decide if it will be wiser to keep those profits in Vanguard to compound on, take the money and run, or a mix of both.One influencing factor in this is that her monthly expenses for assisted living are greater than her pensions, and her daily use checking account will need to be re-funded before the CDs come due in October- Ill need to move something from investing to spending in the next few months, but its not an immediate need.So whats your near term forecast for the overall stock market, rpersonalfinance? Grab profits now, or hold onto them a few months longer? And is it likely there will be a different tax implication from moving money from one Vanguard holding vs another?  <response>: Find a fee based rather than commission based financial advisor and get those investments diversified properly. She may live until 100 in which case she has a 27 year time horzon before she wants to take out some of that money. Im not sure the proper ratio, but proper diversification and buy and hold are still true for her. DONT TRY TO TIME THE MARKET! 