Just wanted to say thank you for the replies. Gave me some very good ideas and advice. I'll be investigating these options carefully and making some changes. Appreciate it very much that you took the time to help out.
Sorry if this post is a bit all over the place. Have been editing it for a while trying to put down what I need advice on.
I fired my financial advisor about 5 years ago due to her not adding any value. Since then I haven't done much in terms of managing my wealth and would like to change that...