My mom sat me down to tell me they're creating a trust and dropped a chunk of money in XRP. My dad has been caught up in scams before, and I'm concerned. They said they did it to help build generational wealth but I don't think crypto is the way to go. I also told them with my limited knowledge that it would be smart to diversify their investments, and not dump it all into XRP. I'm the executor of their will and am wondering what kind of mess I'm inheriting, especially since my dad's health is not great and we don't think he's going to be around much longer. Someone smarter than me, please tell me if I should be concerned.

My father died nearly two years ago and the process of helping my mom (who had never before been involved in financial decisions) manage her finances since then has been stressful and overwhelming. My father left behind a far greater sum of money than I've ever managed before, somewhere between 5-10MM. I'm grateful for any advice- I have very little idea what I'm doing and live in fear of making a costly mistake or being screwed over unknowingly. The money currently sits in three separate actively managed investment accounts (non tax advantaged, though there are separate IRAs too) at different firms, all of which seem to me to be pursuing nearly identical strategies. Communicating with all three firms separately is a headache. None of these managers seem to have any urgency in responding to us, and when they do I don't find their responses to be particularly helpful. For example it has taken two years just to transfer accounts into my mom's name only, despite no complications around the will. How complicated will it be to consolidate the three accounts without major tax burdens (by doing transfers-in-kind), or should I skip that step entirely and try to shift the whole sum to passive investing, and if so how would I do that exactly? My mom is (for now) living off SS benefits the RMDs from her IRAs so liquidity has not been an issue. More broadly, who should I be consulting to help me figure out the big picture strategy? Should I skip these wealth managers at these three firms (none of whom have the full picture) and seek out a fee-based financial planner (and how would I find a good one?) Do I need a separate tax expert or would a good CFP fill that role too? My parents moved out of the states around 10 years ago so I've been filing taxes for them both in the US and another country. Appreciate any suggestions for where to start in seeking help.