Keep in mind that in these situations it's not always their fault. Sometimes two other people have pulled in straight and they're the third. Then the other two leave, and they just look like an ass.
Or maybe they're just an ass. Can really go either way.
New roof, solar panels, battery, EV, remodel part of the house, new siding, buy a small house in my neighborhood to function as a guest house, take care of my parents, spend a couple months in Europe.
Oh, you meant the rest of it. Government bonds are always good. You can also use more than one bank to expand the $250k limit (which applies per account type and bank). A trust, for example, is insured separately from your checking account.
Past that, I couldn't tell you. Your financial advisor would though, just make sure they have a "fiduciary duty" to serve your interests.