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speak to a financial advisor
How do you find one you actually trust? I imagine the good ones wouldn't work for bikeschmucks like us, unless frequenting the watch or car thread I guess.
Howard-
sidebar of the reddit page gives:
https://adviserbook.co.uk/
https://www.thepfs.org/yourmoney/find-an-adviser/
https://www.vouchedfor.co.uk/I guess you meet a few and go with the person you like most.
platypus
Congratulations. Now do the next step on the flowchart, and speak to a financial advisor, not a bike forum! And use Vanguard not Nutmeg.