This is a horrible place to ask for this kind of advice and, quite honestly, you have gotten some horrible advice. The most important bits of information (your age, current liquid assets and investments) have not been included in your post. Get a recommendation (or two or three) from friends/coworkers/relatives for a Fee Only Financial Advisor. This type of advisor has no stake in a particular company and does not earn commission. A financial advisor who charges nothing is making his money from commission. Do you really want him making recommendations based on how much HE will make?

__________________
Raising my baby RIGHT!!!!!!

All the cool babies are wearing cloth!