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$1.44 million in holdings: Help my non-retired, 80-year-old dad invest it 
This is not the answer you were hoping for.  I recommend that you stay out of it and let your parents do what they want with their money.  They are obviously very good savers and very thrifty with their money. At this point, they likely have more money than they need for the rest of their lives, even if it doesn't grow.  It sounds like your parents are the kind of people that would worry too much about investing in the stock market. If you invest them heavily in stocks, it will go down at some point, even if only temporarily.  There is no need to put your parents through that stress and anxiety.  At some point in the (hopefully distant) future, you will likely inherit a sizable sum. At that point, you can invest it in a more intelligent way.