40M, no debt, no dependents, recently divorced — sitting on a large cash pile and consolidating scattered accounts. What would you do?

40M, no debt, no dependents, recently divorced — sitting on a large cash pile and consolidating scattered accounts. What would you do? Hi all, I'm recently divorced, sold the house as part of the settlement, so I have roughly $850K in cash sitting in a bank account with no immediate plan for it. Net worth is around $1.8M total. Income is around $200K+/year (base + bonus), sales role, no debt, no dependents. Also have several retirement accounts scattered around from job changes and a prior financial advisor relationship that I want to simplify down: Old 401(k): \~$290K A variable annuity: \~$30K An actively-managed IRA (advisor charges an ongoing fee): \~$110K A small robo-advisor account: \~$20K Long time horizon — not planning to touch any of this for at least 15-20 years. Goal is straightforward: maximize long-term growth, not income or preservation. My former financial advisor recently sent over a formal recommendation to consolidate everything into his firm's managed platform — a flat 0.75% annual advisory fee, on top of the expense ratios of the individual funds inside it. I'm skeptical of paying ongoing AUM fees at this point and leaning toward managing it myself, but I want to hear from people who've actually been through something like this rather than just talk myself into whatever I already believe. Genuinely asking, no plan in hand yet: \-If you were 40, debt-free, sitting on a large lump sum plus a handful of accounts to consolidate, and your priority was maximizing growth over 15-20+ years, what would you actually do first? \-DIY index investing vs. paying 0.75%/year for ongoing management — where do you personally land, and why? \-Anything you'd do differently in my position that I'm probably not thinking of? Appreciate the input!