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I would tend to keep the QQQ, but it depends in part on how much you already have saved. You may not want QQQ to be too large a proportion of your assets. As you say, the other 3 holdings should be sold.
Or you could sell the QQQ over a few years to keep taxes low, depending on your tax situation.

For this particular route, Air France, KLM, and Lufthansa seem to offer the best connections.

OP: We cannot help you anymore right now because after all these posts you have not provided us with the information we need. It is however clear there is one thing you should do right away. You should get a tax preparer to do your taxes. Be sure to provide her/him with all the paperwork for your accounts. As others have said, you might owe a lot, or you might owe very little. You need to find out. In the process, you will find out how much of your money, if any, is still in IRAs. Once this is done, then it is time to address the other issues (whether or not to get a financial advisor, getting advice about making gifts to your children, wills etc.). But first, please pay someone to do your 2022 taxes. That needs to be done first. You just n...

This investment seems to be of very similar value and terms as a one-year CD that an American would get in the US.

Going back to the OP's question, it really comes down to whether to invest in a CD or in VT. OP implies this is a long term investment. Thus it makes sense to go with VT. If he/she wanted wanted the money in a year or two, the CD would be better.

In addition to Scandinavia, the Swiss/Austrian Alps are a good mid summer option (though the best localities tend to get booked up early).

Given the board dynamics and the nature of the organization, I agree with the suggestion to put all the money in a money market fund. That is as conservative as it gets, but also provides a big improvement over the checking account option.

If for logistical or family reasons you decide to keep the money at Raymond James, have them sell everything and put it in FNSXX. Or if there might be tax implications, don't sell Home Depot until Jan. 2024. You list four of the stocks as "no gain available". Does that mean that nobody has any idea of the cost basis? If so, I might not sell those four stocks. Or you could make a good faith guess on their cost basis. As I and others have said, ideally you should transfer it all to Fidelity (or an equivalent institution) and put it in a money market account there, but sometimes simplicity (keeping the money where it is) is necessary for non-financial reasons. Rather than agonize over this and deal with other relatives, you could be ...

I agree with the advice to just put the money in a money market account.

However, if this is in a taxable account you should check to see if there are capital gains on her holdings. If so, you might want to see if you can transfer the funds to Fidelity or whatever and then not sell them all at once. You could sell some this year and plan to sell the rest next year.

Most orthodontists will offer a discount if you pay for the full treatment plan up front. One would only want to do this with an orthodontist with an excellent reputation and a long track record doing treatment with Invisalign.

I have been going to the same (reliable) dentist for 30 years. He recently had to cancel my appt. because he cannot get dental hygienists. I now have an appt. for over 2 months later, but was warned that it is dependent on their finding a new hygienist or hygienists.

The fundamental problem for OP is that places that are walkable and bikeable year round, not too big or small, have good amenities, and are close to outdoors recreation, are limited and thus tend to be very expensive. I know Vancouver, but not CO. Vancouver has grown a lot and not in a pedestrian and biking friendly manner. It is mostly strip development and one has to drive everywhere. It used to be a socially-conservative working-class city. Growth has changed that. It is more cosmopolitan now (e.g. there are a variety of good & relatively cheap ethnic restaurants). It is still quite conservative, as a lot of the growth has been from more conservative Portlanders moving there. Traffic isn't great in Vancouver, but as retirees you can ...

There is a company called leftover currencies that says they will purchase expired Mexican notes and coins.

Don't expect anywhere near the value you would get walking into the bank in Mexico City. But you would probably get virtually nothing from an ordinary coin dealer.

There is plenty to do and see in Portugal for the time you have if you like to explore interesting but less visited smaller places, but it depends a bit on your interests, and it does sound as if you want to expose your kids to more than one nation/culture. One option would be to split your time between Spain and Portugal. In Spain you could go to Madrid, and from there on fast trains to either Seville or Barcelona. From Seville you have day trips to Cordoba and Cadiz. Or you could just stay in Madrid and include day trips from there. If you want to go to Italy just fly from Portugal. You can get a one way flight from Lisbon to Rome, and another one way flight from Venice back to Lisbon. CDC card is accepted as proof of vaccination everywhe...

I would suggest:

1) sell the blue chip stocks, take $7,000 of the proceeds to pay off credit card debt, and use the rest to buy a total market index fund such as VTI.

2) while the individual bonds and especially munis make little sense, the transaction costs may make selling them inefficient. As someone else said, find out the cost of selling them and see what he would get (spreads may be high). Leaving them alone is okay. Just don't buy any more individual bonds.

AMT is very straightforward. The small discrepancy you've found in results from different tax software is more likely related to the K-1, which can be tricky.

There are lots of good suggestions on this thread. Uruguay is another possibility in South America. Like many others, I think Spain and Portugal are worth close consideration, and there are areas with expats outside Lisbon and Barcelona (it might actually be easier to meet people outside the biggest cities). Depends on what you like. However, you also have to consider immigration regulations. You can't just move to places like Australia or Spain or Singapore. Staying over 6 months will be a problem almost anywhere. And to take advantage of local health services you will need to establish residency -- there is huge variation in how easy (or difficult or impossible) this is to do (both the requirements themselves and dealing with the bureaucr...

Boston would be a good destination (though cold), but you would probably have to count on up to 12 hours drive.

Pittsburgh is within range but 2 weeks is probably too long.

Nashville? Don't know it myself, but it would be warmer, and it is a tourist destination.

Actually, Chicago and Toronto are the obvious choices!

You can open a pound sterling bank account and then do electronic transfers into it when you think the rate is favorable. Google the ways you can open a sterling account.

I'm sure others will add that the market makers know all about Brexit, so what you are doing is speculation, not investment.

But if you spend a lot of money in the UK, there's no harm in keeping some of your savings in sterling as a hedge.

If there is no tax treaty, you just report it under "other income". It is subject to US tax.

What to do about the years you have not reported the income is a much more complicated question. In theory, you could be hammered with penalties. The IRS has been cracking down on those who do not report foreign income. But in your case it doesn't sound like too much money, and it's not as if you have moved money overseas to evade taxes, so they might give you a break.

Definitely seek professional advice.

I think that you have done very good job, and that your plan is basically sound. I have a few suggestions in response to your questions, but it would be fine to carry out your plan without any changes. 1) a very easy way to simplify is to combine all the US bonds into one fund, such as VG Intermediate-Term Investment Grade Fund Admiral Shares. If you still feel there are too many funds, it would not make a big difference to move what is allocated to US mid/small cap into the Total Stock Market Index Fund. 2) I think that the adviser's suggestion is a good compromise, but if it makes you and your daughter uneasy there is nothing wrong with doing it over two years. 3) I think that you are leaving too much cash in the money market fund. If you...

If she wants to move into fixed income in the Keough, Vanguard Total Bond is probably the best.

Outside the Keough, the real estate presumably does not have much in the way of capital gains. Getting rid of that would give her more diversification, if replaced with index funds.

5. Livesoft is correct. I was careless in my wording. I meant that there would be a stepped up basis in the taxable accounts.

Your mother is in good shape overall, so the good thing is that things are okay as they are. But she might want to consider some changes. 1. Rental property is more like equity than fixed income. You own a business. 2. In your mother's position, there is no reason to go more conservative than 65/35, but she is in fact at 89/11, which may not be a good idea for her given she recently made changes trying to reduce risk. 3. On reallocating, the most important thing is to get the asset allocation right (does she really want to be only 11% in fixed income?). The managed dividend account, with its extra costs, is almost certainly not as desirable as an index fund, but given your mother's needs it may not be a big deal to keep it if she is comfort...

Thanks for the additional comments. Yes, it makes sense to donate shares of Stocks A & B to the DAF. I don't think however that I could get the full tax benefit if I donated as much as 3% of my assets in any one year. I will need to look at the details of the limits concerning both charitable deductions in general and concerning deductions with capital gains in particular, and work out how much I could donate under favorable terms in any one year. I agree this should be one way to reduce my single stock risk (as well as avoid capital gains). And yes, I know there are many very worthy small charities (as well as some that may not be so worthy!). One does need to be careful. Some small charities, for instance, might be able to make tremen...

Thank you all for the additional comments and advice. I am very aware of my extremely fortunate position of having much more than I need. There is indeed an important sense where it doesn't matter what I do -- I can keep the lifestyle I want regardless. I suppose my tastes might expand or my circumstances change and I might spend more, but it's still hard for me to envision needing to withdraw more than 1% per year. But for my own satisfaction I'd like to have a (not too complicated) plan on how to manage these assets, if only changes to make over the next couple years, when I might do a re-assessment (and get advice on trusts, etc.). You are all right that I need to think not only of myself but what I want to happen to the money I don't/wo...

retiredjg and JW-Retired, Thanks for your input. I need to reduce my holdings of Stocks A & B, but will need to grapple with how quickly to do it. Dividends are not being reinvested, and all my charitable contributions can come from Stock A or B through a donor advised fund. But just selling now to get both down to 5% each would incur a $1.3 million tax bill.... I appreciate the different points of view on how aggressively to act. I can now weight the pros and cons. I did stay fully invested in 2008, but not without some discomfort (I didn't have nearly as much then). I don't fear that I'll sell off in another big crash, but I can't say I might not be uneasy. I'm now leaning towards being somewhat more conservative than 80/20. Having al...

Tyler Aspect and grabiner,

Thank you for your input. I could sometimes sell some of Stocks A & B without being in the top bracket, but it would take a long time to seriously reduce the holdings that way. My donor advised fund can also help there. But it seems I will also need to sell and pay tax.

Thanks also for your advice on bond holdings and asset allocation. I have a lot to think about.

@retiredjg

Thank you. It is all in taxable. I have added to the original post more information on the federal tax rate and on the individual stocks.

Total Portfolio Value: $19.5 million Emergency funds: Nothing designated Debt: None. Tax Filing Status: Single Tax Rate: for capital gains and qualified dividends, which is my main concern, Federal is 20.0% plus the 3.8% net investment income tax (total federal 23.8%), plus 5% State. Age: early 60s. Work part time. Won't take SS until at least FRA. Desired Asset allocation: 80% stocks / 20% bonds (unsure, see question below) Desired International allocation: 25% of stocks (unsure, see question below) Current Portfolio US Equities: 69.6% Stock A, 21.9% of total portfolio (2,639% long-term capital gain) Stock B, 10.0% (3,544% ltcg) Stock C, 2.6% (478% ltcg) Stock D, 1.6% (756% ltcg) Stock E, 1.1% (190% ltcg) Stock F, 0.9% (1,992 ltcg) Stock ...

Sorry, I'm not quite clear on what you want to do. Do you want to make a stopover in Paris on the way back, or are you just looking at a route with a change at CDG? Is what you are proposing is to get an Emirates ticket Dulles-Dubai-Colombo-Dubai-Paris, then buy another ticket home from CDG? I guess that would evade the ban (at considerable extra cost). The only non stops from Europe to Sri Lanka right now are London (9x/wk, SriLankan) and Amsterdam (2 or 3 times/week, KLM). Returning via London on the daily flight may be difficult because the flight gets to Heathrow a bit late to connect on to the US, but it can be done on the weekend flights. You could take KLM all the way from Dulles to Colombo (though at a higher fare, perhaps $300+ mor...

Figuring out the best itinerary to Sri Lanka depends on your airport of origin in the US. What city are you leaving from?