If you think you will have less than $5 million in assets/networth by the time you pass (e.g. below estate tax limits), I would go with option 3 described above. If not, and you are likely to be close to subject to estate tax, I think an advisor could be a very worthwhile use of your money in terms of tax protection and family transfer plans, but it will probably not be the advisors you currently have. Generally, in life, you don't need stock selection advisors, but you do need advisors who can help you structure your holdings in the most legally/tax favorable way possible if you don't want to study the subject yourself