Do what ya want obviously, but the market (whatever you consider that to be), is a conglomeration of opinions. What if you’re wrong? All is such a harsh word, why not some so you take bets on both sides instead of all-in?

(1/2)Too many factors and not enough info to get specific. Cant provide specific advice through this medium. When people inherit money in a pension, they can be a named beneficiary, probably need to distribute within 10 years unless there is an exception (like disability)

Consulting a CFP is great , also look at NAPFA for someone that is not incentivized to recommend certain products over another. My question would be, does it feel different than 2020, 2008, 2000? Talk to them about your risk capacity, not just what losses you can stomach. Timing the market is hard.

(2/2) if there wasn’t a named beneficiary and it went to the estate, then it could need to be distributed within 5 years or if he was taking required minimum distributions, then gotta continue those. Typically the money can get transferred to an inherited account and will be taxable upon taking it.

Why did ya put HSA as number 5? Triple tax advantaged, preferable to Roth IRA.