i took a look at your own holdings and according to most investing theories that I follow (but unfortunately do not practice), you have way too many holdings. Their recommendation both for your own investments and the inheritance would be a portfolio holding 3-4 etf’s - US index, global exUS, fixed income. My portfolio is 25% fixed income, 25% sector (AI, tech, financial,etc) etfs and 50% stocks. If you have not done so, take a look at the Bogleheads website (believers in Warren Bogle, founder of Vanguard). Some excellent advise and savvy investors will give you answers. Also, Warren Buffet is a strong advocate of buy and hold etfs.