How We’re Here to Support You
Understanding Your Inheritance
Making sense of the accounts, assets, tax implications and decisions that come with your inheritance so you have a clear picture of what you have before making any moves.
How We Help
- Inherited asset inventory and assessment
- Beneficiary and account title review
- Inherited IRA and retirement account guidance
- Understanding estate and probate documents
- Tax basis and cost basis analysis
- Coordination with estate attorneys and CPAs
- Identifying immediate decisions versus those that can wait
Most people who come to us after an inheritance feel overwhelmed before they feel grateful. There are deadlines, decisions and documents coming from every direction, and the stakes of getting it wrong are real. We help you slow down, get organized and understand exactly what you have before deciding what to do with it.
Tax Planning
Navigating the tax implications that come with an inheritance so you're not caught off guard by what you owe, and not missing the opportunities that could work in your favor.
How We Help
- Inherited IRA distribution and RMD strategy
- Step-up in cost basis planning
- Capital gains planning on inherited assets
- Estate tax assessment and coordination
- Tax-efficient liquidation strategy
- Roth conversion planning with inherited assets
- Coordination with your CPA and estate attorney
Inherited assets come with their own set of tax rules, and the decisions you make in the first months can have consequences that last for years. We make sure you understand what you owe, what you don't and how to structure your decisions to keep as much of the inheritance intact as possible.
Building a Plan
Integrating your inheritance into your broader financial life, so it works alongside what you've already built rather than sitting unaddressed or being handled in isolation.
How We Help
- Inheritance integration into your existing financial plan
- Investment strategy for inherited assets
- Portfolio restructuring and diversification
- Income planning around inherited wealth
- Estate and legacy planning for the next generation
- Long-term care and insurance strategy review
- Charitable giving and philanthropic planning
- Ongoing monitoring and plan adjustment
An inheritance can change your financial picture significantly, but only if it's handled intentionally. We help you make decisions that align with your goals, your values and your long-term plan rather than ones made under pressure or without the full picture in front of you.
Our Services
Centaurus Financial, Inc. and its representatives do not provide legal or tax advice. Please consult your own legal or tax professional regarding your specific situation.
