I'd like to see those numbers flipped: $100k cash and $710k in 401k. unless there's some compelling need to keep that much cash.

quick dirty estimate, $750k would produce about $30k a year income if invested. that's substantially less than you're accustomed to living on. $100k in the 401k will produce about $4,000/year.

is there a pension or something in the background? if this is all your savings, you are likely nowhere near prepared for retirement.