How Would You Invest a Million Dollars?

What should you do if you suddenly had $1 million to invest? Sean looks at how three financial advisors answered that question, and why the real answer isn’t a single portfolio, but a personalized plan.

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What should you do if you suddenly had $1 million to invest? Sean looks at how three financial advisors answered that question, and why the real answer isn’t a single portfolio, but a personalized plan. Age, goals, family needs, tax exposure, and your own comfort level with risk all shape what “the right” investment mix looks like. A million dollars can be life-changing, but only if it’s invested in a way that fits you.

Here’s what we discuss in this episode:

💡 Start with the person: why personality and risk tolerance guide every decision

🛡️ Protect before you grow: emergency funds, insurance gaps, and risk buffers

🧭 Build the foundation: deciding what portion (if any) becomes long-term growth money

🧮 Taxes matter: structuring the million in the most efficient way possible

📈 Growth with purpose: aligning investments with time horizon and age

Go inside the episode: 

0:00 – Intro

1:31 – What the Pros Said

6:38 – Tax Considerations and Emergency Funds

7:24 – Layoffs

11:04 – Sean’s Suggestion 

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MEET YOUR HOST...

For over a decade, Sean Lee has helped families reach and maintain their financial goals. As a trusted advisor, he coaches and assists his clients with their financial goals by focusing on the fundamentals and takes a practical and personal approach when working with them.

As a trusted professional in Utah, Sean has been featured in The Wall Street Journal’s Market Watch, The Deseret News, The Salt Lake Tribune and USA Today. He has also been featured as a local financial advisor on Utah’s NBC station, KSL 5.

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slee@erg-slc.com

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