Maybe I've read the OP wrong, but it seems to me like he is counting on spending $75K/year based on $2M in assets and counting on 1 or 3% nominal returns. I don't see how that can be sustainable for very long unless you have a very clear end of life plan involving mutual suicide or something. So I assume I'm missing something since so many people are saying he's OK.
As far as the investments, I was pretty scattered when I started out due to years of investing with a FA. Once he was shown the door I started (over the next decade) to consolidate my accounts. I've still got enough to make tracking it all an adventure, mostly due to trying to avoid creating taxable events, but it's getting better. My main goal is to have a clean, easy to manage plan for DW in case anything happens to me. I've gotten my death letter down to two pages, so I'm obviously making progress.
I agree with those above who have recommended putting together a written investment plan that you can go over with your DW, including showing her how "safety" is almost always the least safe option over time. My DW had/has no real interest in finances, but over the decade or so has learned enough to feel pretty comfortable with out discussions. The secret is to stop when her eyes start to glaze over. So make this a long term process and hopefully you'll end up on the same page.