A couple raises an important financial question: Do they have too much cash on hand? Currently, they have $900K invested in stocks and $380K in savings and CDs. Their investment advisor has indicated that a portion of their capital might be too heavily weighted in cash instruments. This situation poses a typical dilemma for investors wondering about the right balance between liquid assets and opportunities in the stock market. Financial planners emphasize the need for a diversified portfolio to optimize returns while ensuring enough liquidity.