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This. and consider aggresive growth funds also if you're under 40. Maybe even 45.300k is probably on the borderline of whether it's worth getting a financial advisor. Honestly you might just want to park it in an index fund and leave it alone, especially if you don't plan to use it anytime soon; you should get better than 3.5% from it long-term, but obviously it would be more up and down than a savings account because the market can be up and down.
I will also say that 3.5% is pretty good for a savings account.