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Wealth Inheritors

Inheriting money is rarely just about the money. We help you figure out what to do with it and what it means for the life you're building.
Where we come in

The decisions that matter once you become an inheritor

 Maybe the inheritance just arrived and you're not sure where to start. Maybe it's coming and you want to be ready. Maybe it's been sitting at a brokerage for years and you've been meaning to do something with it. Wherever you are, the decisions you make in the first few years tend to matter for decades.
Building an Investment Portfolio
Inherited accounts often arrive as a patchwork — old positions, concentrated stock, accounts at firms you've never heard of. We help you build a portfolio that reflects your goals.
Understanding What You've Inherited
IRAs, brokerage accounts, real estate, a business interest, a trust. Each comes with its own rules, its own tax treatment, and its own decisions. The first step is getting clear on what you actually have.
Tax Strategies
Step-up in basis, inherited IRA distribution rules, capital gains decisions on appreciated assets — the tax stakes are real, and the wrong move can be costly.
Inherited IRA Rules
Most non-spouse heirs now have ten years to empty an inherited IRA. How you sequence those withdrawals can mean tens of thousands in tax savings or tax surprises.
Big Life Decisions
Pay off the mortgage, leave a job, start a business, buy the house, fund the kids' education. New money brings new options. We help you think through them without rushing.
Stewardship & Legacy
Whether you want to grow what you've received, give some of it away, or pass it on, we help you build a plan that reflects your values — not just the size of the account.

What does working with us actually look like?

We start with a conversation. No commitment, no sales pitch — just a chance to talk through where you are and what's on your mind.
If it's a fit, here's what comes next:

 

Discovery

We gather the details: what you've inherited, what you already had, what you owe, what you're working toward. We also make space for the parts that aren't on the spreadsheet — the family dynamics, the emotions, the questions you haven't been sure who to ask

 

Portfolio Design

We build a portfolio that fits your goals and timeline, not the one you happened to inherit. That includes unwinding concentrated positions thoughtfully, addressing tax exposure, and putting the money to work in a diversified, evidence-based way

 

Planning

Around the portfolio, we build a broader plan: tax strategy, inherited account rules, big-decision support, and a path forward that takes the full picture into account. You see the plan, we walk through it together, and we revise it until it makes sense to you

 

Implementation

We handle the execution: consolidating accounts at Schwab or Altruist and untangling whatever needs untangling. If you'd rather take the plan and run with it yourself, that works too

 

Ongoing Management

An inheritance isn't a one-time event — it shapes decisions for years. We actively manage the portfolio, revisit the plan as your life evolves, and stay on top of the tax and planning moves worth making each year
inheritors FAQ

Frequently Asked Questions

I just inherited a large sum of cash and I have no idea what to do with it. Where do I start?

The most important thing is to not feel pressured to do anything immediately. Give yourself room to think before making any decisions. From there, the work is straightforward: understand what you've inherited and the rules that come with it, get clear on your own goals, and then build a plan that fits your life. We help clients move through that process thoughtfully, without rushing into decisions.

I inherited an IRA, what do I need to know?

The rules changed in 2020, and they matter. For many non-spouse heirs, the inherited IRA has to be withdrawn within ten years, and depending on the original owner's age, annual distributions may also be required. There are exceptions, and the specifics of your situation determine which rules apply. How you time those withdrawals can have a meaningful impact on your tax picture, which is why this is one of the areas where planning ahead tends to pay off.

I inherited stock that's gone up a lot. Do I owe taxes if I sell?

Inherited assets generally receive what's called a step-up in basis, which can meaningfully reduce the taxable gain when you sell. The specifics depend on how the asset was held and the rules that apply to your situation, which is why this is a conversation to have alongside your CPA before you sell. The bigger question is often whether to hold or diversify — concentrated stock is one of the most common risks inheritors carry without realizing it, and that's a planning conversation worth having on its own.

Take the next step

Let's Talk

If you've recently inherited, are anticipating an inheritance, or have been sitting on one and want a clearer path forward — we'd love to hear from you.
Meet with us