I don't view it as any kind of gift. As I noted, for three years after retirement I used a fiduciary money manager.
I asked a LOT of questions. It was useful for me learning what they were doing, and why, it's not rocket science.
I could have left it with them, it's my retirement fund, and done OK I'm sure. But then I'd be so bored I'd probably have to write books and post all day on some internet site.