Steady 4-5% on $5 million?
jakarta: I'm working as an analyst at a HF, here are some thoughts:1. First, be aware that most financial advisors make their money by charging you fees. These can come in a variety of ways, some will take a simple 1% off the top, others will try to persuade you to invest in CDs and other products like mutual funds -- the actual returns on these vehicles may be mediocre and the advisor may earn fees for selling you the products.So just be aware that their incentives may not be aligned with your goals of wealth protection.2. Decide if you want to be a passive or active investor.Passive investing means putting your money into index funds. John Bogle of the Vanguard Group has a series of books out on the topic, there is a slim one  called The Little Book of Common Sense Investing. 
-I'd recommend reading some of his work.Active investing is more difficult. To be honest, most people simply lack the time and effort necessary to invest intelligently in the market. They wont know how to read a balance sheet yet will buy the stocks of companies that they are familiar with. This is sort of like driving blind and it is not something I recommend.
-If you want some I'll suggest some books for this area, but like I said, it is something that requires a big commitment from yourself.