coolnepali, you are managing their money, well i can help you with that, but the first thing, do you even know what they wanna achieve with that money. first thing that you need to do is, talk to your client, more than that, LISTEN to your client. see what they wanna achieve, what are their goals, do they still wanna work ( coz if not your first pririty should be to generate atleast 40K a yr, mats salary. managing money is not just about investing, its about , for what reason to invest. let me give you an example...when are they gonna need money if they invest, if they want only after they retire 59 1/2 , then look into variable annuity , which is tax - deffered, or better yet, single premium variable life insurance( because its invested in market, no tax payable at withdrawl, and there is a lump sum death benefit). 1 more thing you r over looking her, with will cost your client his leg and arms. you said,its 1.8M after taxes, you know what that means, he's close to 2 M estate tax , cap, look into estate planning, trusts. what state is he in, what r the state tax laws. there are lotta things involved, manaing money is merely just about investing.