‘I Need Financial Help.’ I’m 53 With a $150K CD Paying 5.02%. But It Will Expire in 2 Months. Now What?

A reader asks what to do with a $150,000 CD maturing in two months and whether they should hire a financial adviser or handle it on their own. CFP Board Ambassador Don Grant, CFP® responds that hiring a financial adviser could be beneficial, as a CFP® professional will need to consider various factors such as the time horizon for the funds and whether the money is in an IRA, which affects investment strategy.

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