Financial gurus here?

Roll it to a qualified self directed IRA. Don't take a check from them.

Financial advisors... BLECK.... Most of them don't do any better than a person could buying 4-5 index ETFs. I'd talk to a few about how to allocate if you are wanting it longer term.

Mutual funds mostly suck as they rarely if ever beat the index they are benchmarked.

So you have a financial advisor and a mutual fund taking $ for performance worse than the indexes. Sounds like a great idea... NOT!!!

Just my 2 cents