The Rich Are Already Using Robo-Advisers, and That Scares Banks
Investment advice is one of comparatively few fields where the quality of it available at $50 million in net worth is indistinguishable from $50k [+], but the price is 1000x higher.Use a roboadvisor (or a moral equivalent like a target age retirement fund from Vanguard).  If you need someone to talk to, the magic words are "fee-only financial planner" -- should cost on the order of $100 to $200 a year for a sympathetic ear that can tell you "Yep you're still on track and not doing anything insane."Edit: forgot the jargon here -- some fee-only planners still charge a percentage.  You want someone quoting a flat fee or hourly rate.[+] No financial planner has predictably better-than-market advice regarding investment choice than any other planner -- though heaven only knows how many intimate they do.  To the extent they provide a valuable service it is similar to an accountant's: they can hear the totality of your situation and tell you about options/factors you may not have considered, allowing you to sleep better.A representative question: "What's a good way to save for college given we have a 5 year old?  What type of account?  What general plan?  Ballpark how much?"