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Sudden wealth demands patience before action. We help you understand what you have received, slow down the decision-making process, and build a plan that protects what you now hold.
Sudden wealth creates immediate pressure from advisors, family, and your own instincts. The decisions made in the first weeks and months after a windfall are often the most consequential and the least considered. Slowing down protects the outcome.
Inheritances, legal settlements, lottery proceeds, and liquidity events each carry different tax structures. Understanding your actual after-tax position before making any commitments determines how much you're genuinely working with.
Sudden wealth shifts the dynamic with family, friends, and advisors. Having a financial plan in place gives you a clear, defensible framework for responding to requests and pressure without making decisions you'll later regret.
Generic advisory relationships are designed for gradual accumulation. Managing new wealth well requires a plan built around how it arrived and what you want it to accomplish.
Our sudden wealth service provides the structure, patience, and coordinated planning that a major financial event deserves from the first inventory of assets through a long-term plan for what the wealth should accomplish.
A patient onboarding process focused on understanding what you have received before any action is recommended, followed by a comprehensive plan built at your pace.
First, we slow things down and take stock: what you've received, how it will be taxed, whether anything is restricted or conditional, and where you stood financially before it arrived.
Once your position is fully understood, we put a plan in writing that brings the new wealth into your existing life. It sets your investment approach, your tax positioning, your estate plan, and a clear framework for managing the money over time.
From there we move deliberately: opening accounts, structuring investments, squaring away tax obligations, and updating estate documents, working next to your legal and tax advisors as needed.
New wealth asks for steady attention as your picture fills in and your goals get clearer. We review on a regular schedule and stay in touch in between.
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. The most valuable thing we do in the early weeks is help you understand exactly what you have and which decisions are actually time-sensitive. Very few of them are. Establishing a clear picture before making any commitments consistently produces better outcomes than acting quickly.
It depends entirely on the source. Inheritances, legal settlements, and liquidity event proceeds each carry different tax treatment at the federal and state level. We model your specific situation to determine your actual after-tax position before any allocation decisions are made.
Having a written financial plan in place gives you a clear framework for responding to requests. We help you define the role you want the wealth to play in your relationships and build structures that reflect your intentions without compromising your own financial security.
There's no universal timeline, but most clients benefit from a structured holding period of 90 to 180 days while the financial plan is being built. During that time the capital is protected, tax obligations are coordinated, and the investment strategy is developed with full information rather than urgency.