I may be coming into this a little late, but thought I would share my thoughts. It sounds like you are in a pretty good place financially speaking. I would consider a financial advisor....but I would weigh what they say against the advice offered at financialpeace.com. Dave Ramsey has some of the best advice I have ever seen. He doesn't push gimmicks, get-rich quick or fly by night methods. He offers good advice as far as planning for your future goes. We have been following his methods for eliminating debt and being in control of our finances (which weren't in a bad place to start off with). One thing I would encourage you to do is something in a philanthropic manner. I had a professor who taught me to save aside a part of my earnings to give to others. This is a concept that is often over-looked. I just can't tell you how wonderful it feels to know that you can meet a need for someone when it arises. We were recently able to help out a family (in secret) and it absolutely made my whole month to know that God blessed me with the opportunity.

Debt - free is a great way of life!