Financial advisors for people who recently inherited.
Inherited IRA 10-year rule, step-up basis optimization, trust interpretation, real estate decisions — matched with advisors who handle inheritance planning every week.
The first six months matter most
Inheritance arrives with timelines. Inherited IRAs under the SECURE Act must be fully drained within 10 years. Step-up basis applies as of the date of death — selling appreciated stock immediately has different tax consequences than selling years later. Trust documents may require distribution decisions within 60-90 days. Generalist advisors often aren't fluent in these time-sensitive rules.
- Inherited IRA: take distributions now in a low-income year, or spread over 10 years based on your tax bracket trajectory?
- Inherited real estate: sell at step-up basis (near-zero gain) or hold for cash flow / rental income?
- Inherited brokerage: sell immediately (step-up = minimal gain) or hold and rebalance?
- Trust distributions: what does the document actually say, and what decisions are yours?
- Pay off debt or invest: the interest-rate-vs-return math with a new $500K is different than with your regular income.
- Estate tax filing: required if estate exceeds thresholds. Form 706 due 9 months from death.
Tools & guides
Inheritance Tax Calculator
Estimate federal + state inheritance/estate tax impact based on amount, relationship to decedent, and state of residency.
What to Do When You Inherit Money: A Complete Guide
Month-by-month playbook for the first year after an inheritance, covering IRA rules, trust distributions, tax filings, and integration with your financial plan.
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Tell us your situation. We'll match you with a fee-only advisor who specializes in inheritance planning. No fees, no obligation.