Finding the right adviser is difficult but not impossible. You will want to research advisers and then set up appointments with at least three or four of them. An adviser should be a fiduciary, should not be a commissioned. . . .
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Based on the information you provided, it appears a term policy is most likely the right policy for you. The extra money would probably be better used to build an emergency fund and then invest for . . . .
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I'm sorry to hear about your mother. For the stocks, you fortunately shouldn't have any taxes due. The stocks were already 'taxed' when estate taxes were assessed on the value of the stock when you . . . .
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