It arrived with someone else’s name on it. Now it has yours.

An inheritance is money with a memory attached. It’s rarely a clean windfall — it tends to come wrapped in grief, sometimes in family tension, and almost always in a quiet sense of responsibility not to squander what someone spent a lifetime building. That weight freezes people. The money sits in a low-interest account for a year because doing anything with it feels like a decision you’re not ready to make.

Meanwhile the fine print matters more than it looks. An inherited IRA carries rules that changed recently and can cost you dearly if you handle them wrong. A sudden windfall can nudge you into tax and planning problems you’ve simply never had before. Good news: you don’t have to decide everything at once.

We help you take it one clear step at a time — preserve it first, understand the rules that actually apply to your situation, then slowly shape it into something that fits your life rather than sitting frozen in someone else’s. The best way to honor what they left is to make it count. Let’s make sure it does.