EUR/USD Hedge with Options

Hi everyone, I will be moving back to Europe in a year and majority of my assets are in USD, let's say $1M to make it simple.

Given the current rate of 1.03, I'd like to basically lock that rate for myself so that in one year, I can exchange my USD to EUR at that rate. I know it is not free but I looked at trading options on EUR USD invesco ETF and it was quite expensive and volume is not there. I also looked at direct currency trading but the trade requires a fairly sizable initial margin and if it goes the wrong way, it can get somewhat ugly due to mismatch in timing.

I'm not in this to make a profit, I just want to lock $1M at the current 1.03 EUR/USD. What would be the best and cheapest way to do this? I'm also fine if the rate goes up to 1.06/1.07 but want to hedge anything above that. I'm OK with a set maturity date on the instrument but I'm retail and can't trade OTC.

Thank you so much!