We have $1.5 million we don’t intend to ever use in retirement – how do we invest it if we plan on giving it to our kids one day?

Dear MarketWatch, 

I’m 59 years old, and my wife is older (retired early). I will be retiring next year after 40 years of Naval service and government contracting. 

After the recent market crash in 2022, we still have at least over $1.5 million in 401(k), Thrift Savings Plan and other investments that we think we may never have to use and…