From Dow Jones & Company:

A 72-year-old Florida resident asks for advice on what to do with more than $3 million in various accounts, including IRAs and regular savings with Vanguard.
The reader seeks suggestions on whether to leave the money as is or roll it into a Roth account. They are also open to other ideas and are willing to consult a financial planner for help. The goal is to be proactive and get the money working for them, as well as to diversify and use tax advantages to manage their wealth. The reader’s financial adviser did not help much, and they are now considering consulting a fiduciary or certified financial planner.



Read more: We’ve $1.3 million in IRAs and $1.15 million in cash. What should we do with it?