Receiving an inheritance or settlement often comes at an emotional time. You may be grieving, recovering, or simply overwhelmed by paperwork. At the same time, a large sum can create choices and pressure you haven’t had to navigate before. The risk is either doing nothing and leaving cash uninvested for too long, or moving too quickly into decisions that don’t match your needs.
We help you slow down just enough to make well-informed decisions. That starts with getting organized: understanding what you received, how different accounts may be taxed, and whether any deadlines or required distributions apply. From there, we connect the assets to your goals so you can decide what to keep liquid, what to invest for the long term, and what may be used for near-term priorities. Investing involves risk, and any strategy should reflect your time horizon and comfort with volatility.
When providing investment advisory services, we act as a fiduciary and coordinate with your attorney and tax professional on items like titling, beneficiary updates, and estate-related considerations. The goal is a written plan that helps you move forward thoughtfully, with decisions that align to your life and the responsibilities that come with sudden wealth.
People who receive sudden money often react in one of three ways: keeping everything in cash out of fear, spending too quickly because the balance looks large, or taking on more investment risk than they’re comfortable with in hopes of accelerating growth. Any of these paths can create avoidable stress and second-guessing.
We help you step back and translate the money into a plan with clear priorities. How much to set aside for near-term needs and liquidity. How much to reserve for large expenses like housing or healthcare. How much may be allocated toward long-term goals, investing, or gifting. With a clearer framework, you can make decisions with more confidence and less guesswork.
