Fee-Only Fiduciary | Denver, Colorado & Nationwide
Financial Advisor for Sudden Wealth & Inheritance
Fee-only financial planning and investment management for individuals and families who have received an inheritance or significant new wealth, with a focus on taxes, investments, retirement, and long-term financial decisions.
Schedule an Intro Call Services & FeesReceiving an inheritance can change your financial situation quickly. You may suddenly be responsible for investment accounts, retirement assets, real estate proceeds, cash, or other assets that were not previously part of your financial plan. Learn more about what to do with an inheritance.
Inclinevest Wealth Management is a fee-only fiduciary financial planning and investment management firm based in Greenwood Village, Colorado. We work with individuals and families who have $1 million or more in investable assets and want help making thoughtful decisions about newly acquired wealth.
The goal is not simply to decide where to invest an inheritance. We look at how the new wealth fits into your taxes, investments, retirement, spending, and broader financial picture.
What to Do After Receiving an Inheritance
There is often no need to make every decision immediately. Before moving or investing inherited assets, it can be useful to understand what you received, how the assets are titled, what tax rules apply, and how the inheritance fits into your existing financial plan.
Understand what you inherited
Review the types of assets involved, including investment accounts, retirement accounts, real estate, cash, and other property.
Review the tax considerations
Identify potential tax consequences and planning opportunities before making major decisions about inherited assets or selling investments.
Decide what to keep or change
Evaluate inherited investments and other assets based on your goals, risk tolerance, tax situation, and financial plan.
Build a long-term plan
Determine how the new wealth affects retirement, spending, investing, charitable giving, and other long-term financial decisions.
Inheritance Financial Planning
An inheritance can affect many parts of your financial life at once. We coordinate investment management and financial planning so decisions about inherited wealth are considered alongside the rest of your finances.
Investment management
Evaluate inherited investments and develop a portfolio around your goals, time horizon, risk tolerance, and need for future income.
Inherited IRA planning
Inherited retirement accounts have their own distribution rules and tax considerations. We can incorporate inherited IRAs into your broader investment, tax, and retirement strategy.
Tax planning
Consider the tax implications of inherited assets, investment sales, retirement accounts, charitable giving, and future withdrawals.
Retirement planning
Determine how inherited wealth may change your retirement timeline, spending capacity, savings needs, and future income strategy.
Cash flow and spending
Decide how much of your new wealth to save, invest, spend, or reserve for future needs without losing sight of your existing financial plan.
Inherited Retirement Accounts
Inherited IRA Planning
An inherited IRA can be one of the more complicated parts of an inheritance. Distribution requirements, taxes, beneficiary circumstances, and the timing of withdrawals can affect your broader financial plan.
We help evaluate inherited retirement accounts alongside your other investments, income, tax situation, and retirement goals rather than treating the account as a separate decision.
Inherited IRA decisions may include
- Understanding applicable distribution requirements
- Planning withdrawals and their tax impact
- Coordinating distributions with other income
- Evaluating investment allocation
- Integrating the account into your retirement plan
Planning for Sudden Wealth
Inheritance is one source of sudden wealth, but significant new assets can come from other major financial events as well. The same planning process can help when your financial circumstances change substantially.
Large inheritance
Coordinate inherited investments, retirement accounts, cash, real estate proceeds, and other assets with your existing financial plan.
Business or property sale
Plan for the investment, tax, cash-flow, and retirement implications of a significant liquidity event.
Concentrated stock
Evaluate the role of a concentrated position and consider diversification, taxes, and your broader investment strategy.
Other financial windfalls
Develop a plan for managing substantial new assets while giving yourself time to make decisions that fit your long-term goals.
Why Work With a Fee-Only Fiduciary
Inclinevest Wealth Management is an independent, fee-only fiduciary firm focused on ongoing financial planning and investment management. Learn why fee-only fiduciary advice matters.
Paid by you only
No commissions and no product sales. Our compensation comes directly from the clients we serve.
Integrated planning
Investment management, tax planning, retirement planning, and cash-flow decisions are considered together.
CFP® professional
Financial planning and investment management are provided by a CFP® professional.
Independent custody
Your investment assets are held at Charles Schwab in your name.
Personal attention
Most meetings are conducted by video, with in-person meetings available when needed at our Greenwood Village office.
Coordinating With Your Other Professionals
Inherited wealth can involve legal, tax, and estate considerations that extend beyond investment management. We can coordinate with your CPA, estate attorney, or other professionals when their expertise is needed.
Financial decisions
- Investment management
- Portfolio diversification
- Retirement planning
- Tax-aware investment decisions
- Cash-flow and spending strategy
Questions to consider
- What assets did you actually inherit?
- Which assets should you keep or sell?
- What tax consequences should you consider?
- How does the inheritance change your retirement plan?
- How much should you invest versus spend?
- What should your portfolio look like going forward?
Inheritance Financial Planning in Denver, Colorado, and Nationwide
Inclinevest is based in Greenwood Village and works with individuals and families throughout the Denver metro area and Colorado, as well as clients across the United States.
Most meetings are conducted by video, making an ongoing financial planning and investment management relationship convenient regardless of location. Local clients can meet in person when needed at our Greenwood Village office.
Frequently Asked Questions
Inheritance Financial Planning Questions
Should I invest an inheritance right away?
Not necessarily. The right approach depends on the type of assets you inherited, your existing investments, taxes, spending needs, and long-term goals. Taking time to understand the assets and your options can be useful before making major changes.
What should I do with a large inheritance?
Start by understanding what you received and how it fits into your financial situation. From there, you can evaluate taxes, investment decisions, spending, charitable giving, and how the inheritance affects your retirement plan.
Do I need a financial advisor for an inheritance?
It depends on the size and complexity of the inheritance and your existing financial situation. An advisor can help coordinate investment, tax, retirement, and cash-flow decisions when a significant amount of wealth enters your financial picture.
Do you help with inherited IRAs?
Yes. We can incorporate inherited retirement accounts into your broader financial and tax plan, including evaluating withdrawal decisions and how those accounts interact with your other sources of income and investments. Learn more about inherited IRA financial planning.
Do you provide tax or legal advice for an inheritance?
We provide financial and investment planning and can coordinate with your CPA and estate attorney when tax or legal expertise is needed. Legal and tax matters remain with the professionals who provide those services.
How much do I need to work with Inclinevest?
We typically work with individuals and families who have $1 million or more in investable assets. If you have recently received an inheritance and are not sure whether you fit, schedule an intro call.
Do you work with clients outside Colorado?
Yes. Inclinevest works with clients across the United States. Most meetings are conducted by video, so location does not need to be a barrier to an ongoing financial planning and investment management relationship.
Talk Through Your Inheritance
If you've recently received an inheritance or significant new wealth, schedule an intro call to discuss your situation and see whether we're a good fit.
Schedule an Intro Call