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An inheritance arrives with financial complexity and emotional weight at the same time. We help you understand what you have received, make unhurried decisions, and build a plan for what comes next.
No embedded capital gains since they get a step-up in cost basis. Retirement accounts with required distributions, concentrated stock positions, and trust structures all require specific handling. Acting without understanding those rules can be expensive.
How inherited assets are titled, distributed, and invested in the period immediately following an inheritance can significantly affect your tax position and the long-term value of what you keep. Slow, informed decisions consistently produce better outcomes.
It can shift your tax bracket, your estate exposure, and your investment risk capacity all at once. A financial plan that doesn't account for the new reality isn't accurate anymore.
The weight of carrying forward something that was built by someone else, while making it your own, requires more than just technical planning. It requires thinking carefully about what you want the wealth to actually accomplish.
Our inherited wealth service provides the analysis, patience, and planning that inherited wealth deserves from the first inventory of assets through a long-term plan for what the wealth should accomplish.
A patient and structured onboarding focused on understanding what you have received before recommending any action, followed by a comprehensive plan built around your goals.
We begin with a full inventory of what you've received: account types, tax basis, beneficiary structures, trust terms, and any distributions you're required to take. Only when that picture is complete do we turn to what comes next.
With the full picture in view, your plan folds the inherited assets into the rest of your financial life. It sets your tax positioning, your investment strategy, your estate plan, and any giving goals tied to what you received.
We then carry it out at a deliberate pace: retitling assets, opening investment accounts, scheduling required distributions, and updating estate documents, with your legal and tax professionals looped in where it counts.
Inherited wealth needs tending as tax law shifts, your family changes, and your own goals sharpen. We review regularly and reach out before any decision turns urgent.
Have questions? We’ve got answers. Here is what people are asking. If you don’t see what you’re looking for, feel free to reach out!
Nothing irreversible. Before any major financial decisions, we conduct a full inventory of what you've received: asset types, tax basis, required distributions, trust restrictions. Understanding the full picture first consistently leads to better outcomes than acting quickly.
Assets inherited at death generally receive a step-up in cost basis to their fair market value on the date of death, which can eliminate embedded capital gains on appreciated assets. The rules vary by asset type and ownership structure. We review each inherited asset individually to make sure you're not paying tax you don't owe.
Non-spouse beneficiaries are generally subject to the 10-year rule under current law, which requires full distribution within 10 years of the original owner's death. The timing of those distributions within that window has significant tax implications. We model the schedule that minimizes your overall tax burden.
We help you articulate what you want the wealth to accomplish: your own security, your family, and potentially causes you care about. Then we build a plan that reflects those values without pressure to replicate exactly what came before.