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If there are any CPAs or investment gurus, I have inherited some money, 200K (cash). And I'm not sure what to do with it so that it will continue to grow without Institutions taking what I have in fees or churning it. The market is horrible and I'm not sure the fake manipulation will continue.

I am self reliant, have a garden, and don't need anything. I have years worth of food and meats. I have fuel, clothing and vehicles. Equipment, tools and I already have cash stashed for emergencies. I have IRAs and 401Ks that have done nothing but lose since Biden took over. Whatever gains I made during the Trump years have all but disappeared. I have purchased gold and silver and don't want any more. I have prepped for the last 6 years and am ready. To have this fall in my lap was unexpected and I want to make it count. I already have a second place to bug out with 75 acres in another state. And yes, I have all the irons I need.

Do I place it in a Roth or put it in the garage for emergencies? I hate to just sit on it.
I have had bad experiences with managed accounts with Merrill Lynch, Morgan Stanley and Cloud Financial. Everybody wants a piece of it.

Any brainstorming is appreciated.

If there are any CPAs or investment gurus, I have inherited some money, 200K (cash). And I'm not sure what to do with it so that it will continue to grow without Institutions taking what I have in fees or churning it. The market is horrible and I'm not sure the fake manipulation will continue. I am self reliant, have a garden, and don't need anything. I have years worth of food and meats. I have fuel, clothing and vehicles. Equipment, tools and I already have cash stashed for emergencies. I have IRAs and 401Ks that have done nothing but lose since Biden took over. Whatever gains I made during the Trump years have all but disappeared. I have purchased gold and silver and don't want any more. I have prepped for the last 6 years and am ready. To have this fall in my lap was unexpected and I want to make it count. I already have a second place to bug out with 75 acres in another state. And yes, I have all the irons I need. Do I place it in a Roth or put it in the garage for emergencies? I hate to just sit on it. I have had bad experiences with managed accounts with Merrill Lynch, Morgan Stanley and Cloud Financial. Everybody wants a piece of it. Any brainstorming is appreciated.

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Put it in a high yield savings account. I get 3.75% with Robinhood. Just FYI, historically the best time to invest in the market is when it looks like complete shit and nobody wants to (or can) invest. You have to take a contrarian position and buy in when you believe the herd is being overly pessimistic.

A simple measure is looking at the relative-strength indicator and buying in when some company or index you believe in is in the "oversold" area <=30. The market likes to overshoot on bad earnings report. If you feel the company has future relevance then it might be a good buy.

I don't think inflation is going away so the likelihood of further fed rate hikes seems probable and that will depress the stock market. If the government keeps attacking the energy sector and printing money then I don't see how they will be able to reduce inflation.