I assume the MM fund is in a rollover IRA and you did not take possession of the funds directly. I recommend you see a Fee-ONLY financial planner through The Garrett Network. The only fee they get is what they charge you. They get no commission, kick-back or other fees to steer you to high fee funds. They are working for you. They have a stake in making you a successful portfolio and investor.

The Fool has an arrangement with <participating> Garrett advisors for a 10% discount. It will be the best $2-3000 dollars you INVEST out of your funds. Check their site out and see if there is a advisor near you.

http://garrettplanning.com/

I'm partial to Vanguard ETF's for my "safe retirement money" (recommended through a Garrett planner) but am also a Stock Advisor member and have been very successful following their strategy. I'm recently retired.

Another fee-only organization is NAPFA but I believe are more expensive:

http://www.napfa.org/

Nevertheless, their website has lots of good information. Here's their FAQ page:

http://www.napfa.org/consumer/faq.asp#FAQ23

IMHO, free advise is worth what you pay for it. And in the end is usually not free.

op