My mom has a significant amount of money in just cash. \-$103K in an IRA in FZBXX. \-Nearly $86K in checking accounts. She has social security and a small pension. She doesn’t need any additional income to cover her needs. I have advised her to open a joint brokerage so we can drag that cash into it and invest it in something better than a checking account. I’ve recommended very simple investments so she doesn’t have to do any rebalancing. She has no appetite for risk. None. Will not consider lo
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