<prompt> Human: My wife and I are in our late 40s and have accumulated a net worth of about 4M. We have no kids, no debt, and no major expenses. Our house is worth about 1.5M California and the remaining 2.5M evenly split between stocks and bonds. We both max out our 401k contributions every year now at 18.5Kyr. All stock investments are in SP 500 index funds, and the rest in T-Bonds. Were both too busy with our day jobs to read up and learn about proper investing. On the other hand, we dont have enough invested to hire a professional financial planner. Our plan should be more sophisticated, but I dont know how. What to do?  <response>: If 2.4 million isnt enough to hire a professional, then hardly anyone would. 