I’ve always thought free advice was worth exactly what you pay for it! (Except when it comes from ME!)
Instead ago to www.Wealthramp.com and set up a meeting with a FIDUCIARY financial advisor — one who promises to fully disclose all fees and put your interests first. The first meeting will be free! And even if you don’t use his/her plannign services, you’ll have a better idea of what you need to do.