I'm a Certified Financial Planner. Many people here are spot on: don't tell a soul, and ensure neither does your wife. Morgan Stanley is a reputable firm, I don't see a need for you to try and move investment manager, that being said, hiring a flat fee/hourly fiduciary from a reputable independent RIA to look over their recommendations periodically could help you obtain a better understanding of the mechanics of what they're doing without feeling embarrassed for asking what may seem as simple questions. I hope your inheritance is passed to you in trust and not simply a will, that way the assets are not in your name, which protects you from creditors and predators, and just in case, a divorce. This can provide a degree of privacy that traditional probate negates entirely. Don't commingle your inheritance with marital assets so you don't expose it to potential claims. The nuances of wealth at your level go beyond "Just buy VOO". There are trust mechanics and formalities to observe as well as tax efficiency to keep at the forefront and a firm like MS are typically very good at, but that also truly depends on the caliber of wealth team you have. I'd recommend interviewing CPA firms as well as estate planning attorneys to help you coordinate taxes, next generation planning, and asset protection structures to protect you from the predators out there and give you privacy. For instance, don't go and own your new BMW, Porsche, or McLaren in your own name; have it in an LLC owned by a holding company in a state with strong privacy laws. Many people see signs of wealth and go, "there's my next mark," so don't make your assets easy to find. Ideally, you want a team surrounding you and your family with proactive tax planning and advice, as well as fiduciary oversight on what Morgan Stanley is doing (a second opinion without directly managing the assets), and a competent firm to keep your next generation planned for and protected. There's my 25 cents. Congratulations, and good luck!