re: At what point is DIY not a good idea?

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With that said, I like the slackster advice here with a little nuance. Interview some FAs and find one that you can pay a fixed rate when you need to consult them. Couple hundred bucks an hour for them to pressure check your thinking when are faced with something you need reassurance.

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This is a great idea in theory but doesn’t work in reality. No one is going to give you the same advice for $500/ hour for 2 hours as they will for 1% of your investments…or much more or less.

OP, experience in investing only comes with experience. Your first plan should be to actively start educating yourself to become more competent in managing the money yourself.

Interview some CPA’s first, you definitely need tax advice.

Then interview some FA’s. It’s rare for someone to give 100% of their investments to one FA unless it’s in a trust or something. Nothing wrong to give a FA $1 mil and do the rest yourself, and compare every year. Take it year by year. Extremely normal for that to happen.