Need help with a plan

Hey everyone, just received my insurance settlement for $120,000. I’m 22 and don’t know what to do with this. I’ve been doing homework on ETFs because I know it shouldn’t just sit in a CD or high yield savings. My mom took me to a fiduciary that has done well for her returns but I’d like to be in control of all of it and not have any other fees for profit (1.2% for the fiduciary). Would it be smart just to go with the financial planners? Or just put it all into VOO and not touch it until I retire? I’ve already paid off my debts and I’m well off enough to add to it every month. I just want to make sure I’m making the most of this situation.