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Just my thoughts here ---- I am the same age and have been working on this for a very FEW years - how about dividing the money into 4 basic allocations - cash /equities --- stocks ---- bond funds (short -term --
metals,etc. Then look at each sector - say CD,s ,money market, Treasury money market,savings account THEN move onto the next say stock and start looking at blue chips - look at the ARISTIOCRATS -check out utility etc. But do it SLOWLY and when you are in uncharted territory post - someone will offer insight -
Try not to get into anything that LOCKS you in as in an annuity -I did that 15 years ago when I thought that was the answer to NOT make mistakes and it was a HUGE one!!!Andi am trying to do thebest with what i have now!!

Good Luck!!!!
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