Hi, I (45/M) lost my mom and both my grandparents (her parents) in the last 5 months. While very tragic, none of it was sudden or unexpected. GPs were 96, mom had had a stroke several years ago and was declining. I'm in therapy, and doing as well as could be expected I imagine. My wife (43/F) has been a rock, and we are doing well.

Onto the other part- I'm in line to inherit somewhere between $300-350k from my grandparents' estate. The total depends on items they owned that are going to be auctioned (art, antique furniture, etc). From there, I don't really know what to do with it. I own a home with around $285k left on the mortgage (2.625%), a vehicle with ~$13k left on the loan (2.25%), and a solar installation loan ~$18k (1.2%). Have ~120k in the stock market, $10k emergency fund in savings, ~$8k in checking. Combined income of $130k/yr in LCOL state, we are doing fine. No kids, no CC debt, max out the 401k already w/ no employer match. We already have three cars for the two of us, one of which is new and the other ones are fine, no need to buy a new car, no big purchases we've been holding off on or anything.

My question is, am I in need of a financial advisor? Should I have one already? I know the loan rates are low, but I'm tempted to pay off the vehicle and solar install just to have less debt on the books, especially the way the market has been going the last year or so. There's some home repairs/upgrades we would like to make, probably around ~$40k (which means closer to $55-60 probably when all is said and done).

I guess I will find out shortly when probate comes through, but will the executor or whomever just FedEx me a big check for $300K? Do they do a wire transfer? Seems wild to me to just waltz into a bank branch and fill out a deposit slip with a bunch of zeros.