My plan would be to split the winnings amongst a couple hundred investment firms and then let them Game of Thrones it out as to whether they stay in my employ. Any losses, and that firm is gone.
I had already picked out a very lovely $700.000 home to buy within a mile of my apartment, friends, stores I like, the gym and the library. Besides that and new furniture, and a new car, I’d keep a few mil and with the rest support charities I believe in like Sheldrick Wildlife Reserve in Africa that rescues and raises orphan elephants and rhinos. Started by Dame Sheldrick a Brit noblewoman a long time ago, they do excellent work. My daughter adopted a year-old elephant for me as a birthday gift. Best present ever. Local humane society no-kill shelter, and other worthwhile and vetted animal organizations.
Daughter and son-in law get a couple of mil, and local Union Gospel Mission too. They do excellent work, and after the lockdowns, so many people are homeless and in need of help.
Of course, no-one gets lump sums. I guess trusts would be set up for each one.