30% cash, 10-20% defensive yield (e.g. TLS, WOW etc), then the rest in FF stocks with good yield. Manage it now for her so no JB Were fees, can liquidate fast if needed. Tax tools via Etrade presents the same taxation printouts that JB used to present, probably the same platform manager, so basically save 10K per annum also.
Sit and wait as the divi's come in, ready for larger cash position if needed (maybe a mix old gold, fixed, bonds etc)
