Something else to check with your tax and legal advisors.

How else do you expect them to make money to stay in business?

I love being able to turn personal properties into rentals as they required a small amount of cash for a large asset to have someone else paying off.It really depends on your long term goal, but ours is to use these "retirements baskets" into reasons that early retirement at 44 is successful! 

Should we use a bank or an online service like Wise -- or something else?

What else could you do with that extra $150,000?

Someone else may say its free money and let it ride, so invest it in something super high risk and high reward and if I win they I win but if I lose it all I lose it all. 

That's the key component that is usually missing when I hear other entrepreneurs/investors say they don't like QBO.Something else to keep in mind is your entity structure and how your entities file tax returns.

How ELSE could it work?

It's pretty good in the fall, with leaf watchers, and winter, with skiiers, and everything else is mediocre.

Ignore the get just focus on the GIVE, everything else will take care of itself.