Section the circle off into buckets - label them "real estate", "Stocks", "Bonds", "Cash", Alternatives, etc.- Look at the allocation and make some assumptions about cash flow and growth. - Iterate on at least 3-5 more sheets of paper until it feels right. - Back everything about your financial plan into that end state. - NOW, run your draft plan by a CFP or three. 

You don't want a QI that has a pooled trust account where they have the opportunity to invest that money and use it for good or nefarious purposes.All the insurance and bonding in the world (which are important) are only beneficial after a bad event has happened. 

So just recognize this could be lengthy process if they default.If it was me, I would take it as a non-refundable deposit with a letter of intent and a purchase and sale agreement that the money is a down payment, is not refundable and they must execute the closing by a specific date otherwise they forfeit the money.

Whether you're a seasoned pro or just dipping your toes in the water like me, I'm a firm believer that our collective strength lies in lifting each other up.Nestled in the serenity of Grass Valley, I'm eager to forge bonds with fellow locals and cultivate a network built on mutual support and collaboration.

These are all things that do not cost money and maybe can do a little family bonding walking the neighborhoods and writing down addresses.

Stock and bond markets are taking the inflation news with zero grains of salt.

Yes you should easily shed a good portion of it but to shed all of it will be a lot harder and needs diet and exercise (not just one)This is evident also by the latest treasury bond sales - other countries are slowing down buying our debt which means rates (especially mortgage rates (will stay higher longer).

Finally GC's are bonded and that keeps you from being sued when your sub falls off his ladder.

The 3% mortgage years were a product of the Federal Reserve artificially tampering with otherwise free-market bond sales. 

Generally speaking, the better quality businesses will charge more because they have to...their cost of doing business is higher because they have all of the proper licenses, insurances, bonds, etc.Never ever ever take the lowest price...that guy is priced low for a really good reason.