When the money changes.
The industry is built to sell you something in these moments. We are built to help you not get sold.
When a big change shows up — a death, an inheritance, a business sale, a settlement — the world quietly rearranges itself around your money. New advisors call. Old advisors call. There are products, "opportunities," and pieces of paper that want a signature soon.
Almost none of it requires a fast decision. Almost all of it is easier to undo before you sign than after. The single most valuable thing we do in a transition isn't a recommendation — it's giving you permission, in writing, to wait.
Every transition is different. These are the five that bring people to us — and the questions we'll help you answer when one of them is yours.
You just inherited money. Now what?
It's a strange feeling — grief and money showing up in the same envelope. We help you slow down, understand what you've got (cash, brokerage, IRA, real estate), and figure out what needs to happen this month, this year, and over the next decade. No rush. No pressure to do something just to be doing something.
You sold the business.
For the first time since you were thirty, the money isn't coming from the company. It's sitting there. We help you build the thing that replaces the business — an income, a tax strategy, a portfolio that pays you the way the business used to, plus room for what's next.
You're the one making decisions now.
Maybe you always were, and nobody knew. Maybe you never were, and now you have to be. Either way, the worst thing you can do is make big financial decisions in the first year. We help you stabilize, understand what you have, and give yourself permission to not decide anything irreversible for a while.
A bonus, a stock vest, a settlement, a liquidity event.
A big chunk of money shows up. It's not retirement, it's not ordinary income. There are tax moves to make now and ones you want to wait on. There are places to put it and places you shouldn't. We walk through the options before anything gets committed.
Splitting a life, carefully.
You probably already have a lawyer. You might need a financial person too — someone who looks at the proposed settlement and tells you what it actually means in year five, year fifteen, retirement. We can work with your attorney or quietly in the background. Your call.
Slow down. Look at the whole thing.
Then decide.
The first week
The first month
Forward, slowly
There is no minimum. There is no rush. There is no sales call.
If something has changed and you don't know what to do next, a 30-minute conversation is free and often enough. If you need more, you'll know.
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