I have a large chunk of money in a treasury bond earning 4%, but my advisor takes one percent of that. I would like to move it somewhere safe that I could manage myself. Some of this money would be considered retirement and the other part of it, I would like to have access to every six months or so. Is a CD is my only option? I am not interested in investing more into the market right now. I’m clearly knew at this game and of course want this money to earn as much as it can for me without taking huge risks. Thank you for any information you can share. I love the knowledge that so many people in this community have.