Financial gurus...need some help

First off, go see a Financial Advisor. shop around Bank vs Wealth management. ( usually WM, don't take under 100k but you never know)

Make sure they clearly understand your situation.
They should ask about
-Personal situation:
-Assets:
-Liabilities
-Income
-Investment goals
-Expected Returns
-Risk Tolerance
-Obstacles
-liquidities
-Tax consequences...

There are different options available and you have to understand why one person would you a strategy vs another.