She needs a reputable financial advisor.
Most likely. But even a modicum of common sense would be better than what happens to oh, so many lottery winners who go on spending binges and develop lifestyle habits that lead to bankruptcy.
I don't typically play the lottery, but I will when the jackpot gets high enough. For me, the entertainment value of imagining what I'd do with that kind of money is worth the $1 or $2 I spend on the ticket. But I've also "game planned" how to take care of that kind of money, too. It really just boils down to "invest the bulk of it and live off the proceeds", though in my particular case, having two autistic children makes setting things up a little trickier in terms of inheritance, to ensure they're taken care of and not taken advantage of.
Of course, if push ever came to shove, I'm fortunate that I have a father-in-law who's a (retired) financial planner and on the other side of the family, a brother-in-law who's an accountant. So I won't have to search hard for specific advice I can trust.