u/Hefty_Trade_3459

I am a 45 single mom and just met with a financial advisor for the first time. I am an avid saver and have accumulated approximately 100k in cash. I also have approx 300k in various 401ks. I make approximately 200k ($160k base and approx. 40k bonus). My family is really risk averse and I have always been taught to have a good amount of money on hand because you never know what’s going to happen. I know that the value of a dollar is declining but the thought of most of my money being dependent on the stock market/annuities is scary. Thoughts or advice?