Who We Serve/Inheritors
Recently inherited

You inherited money you never asked for

Inherited IRAs, a house, a brokerage account, and a stack of forms — sorted calmly and in the right order by a CFP® professional and Enrolled Agent.

Book a free intro call → See how inheritance planning works

Grief and money decisions arrive together. They shouldn't be handled together.

An inheritance usually lands during one of the hardest seasons of life, followed by account forms, a distribution clock you didn't know existed, and opinions from everyone. Almost nothing has to be decided this week; the first job is telling you which decisions carry real deadlines.

Sound Familiar
If you're thinking any of this
"There's an inherited IRA and I have no idea what I'm supposed to do with it."
"Someone told me I have ten years. Ten years to do what, exactly?"
"Do I owe taxes on this? Nobody has given me a straight answer."
"Three advisors have already called me. I don't know who to trust."
What We Handle
From a stack of paperwork to a decision order
No. 1
Triage: what's urgent, what isn't
A list of the real deadlines, separated from everything that can wait. Most of it can wait.
No. 2
Inherited retirement accounts
Most non-spouse heirs must empty the account within ten years. We schedule withdrawals across your lowest-bracket years.
No. 3
Step-up in basis, used well
Inherited taxable assets reset to date-of-death value, so concentrated stock or property can often be diversified with little or no gain.
No. 4
The house, the stock, the stuff
Keep, sell, or rent; hold or diversify. We run the numbers so the choice isn't made by whoever pushed hardest.
No. 5
A plan for the proceeds
Debt, reserves, investing, and giving sequenced into a written plan, then invested tax-aware alongside everything else.
No. 6
Coordination with the estate and the family
We work alongside the executor, the attorney, and other heirs, and handle the tax filings the inheritance creates.

One fee covers the whole relationship

Inheritance planning is one of five services included in the advisory fee; return preparation is quoted separately as a flat fee.

No. 01
Inheritance Planning
No. 02
Tax Planning
No. 03
Investment Management
No. 04
Estate & Legacy

Blended advisory fee from 1.50% to 0.75%, no account minimum. See the full fee schedule →

Common Questions
Fair questions, straight answers
I just inherited an IRA. What do I have to do right now?
Don't cash it out reflexively, and don't roll it into your own IRA if you're a non-spouse beneficiary; that can't be undone. Get it retitled as an inherited IRA, then plan the withdrawals calmly.
Will I owe tax on my inheritance?
Arizona has no inheritance tax, and federal estate tax is the estate's concern rather than yours. What gets taxed is what happens next: withdrawals from inherited retirement accounts are ordinary income.
The estate is still being settled. Is it too early to talk?
It's the ideal time. Disclaimers, retitling, and which assets fund which bequests often can't be undone afterward.
Next Step

Before you decide anything, know your deadlines

A free 30-minute call to sort the urgent from the optional. No pressure, no pitch.

Book a free intro call →

Not sure yet? Take the 60-second fit quiz

Golden Acre LLC dba Golden Acre Wealth Management is an investment adviser registered with the Arizona Corporation Commission (CRD #337930). Registration does not imply a certain level of skill or training. All fees are negotiable and are described fully in the firm's Form ADV Part 2A, available upon request or at adviserinfo.sec.gov. Inherited-account rules vary by beneficiary type and date of death; examples on this page are general in nature and depend on individual circumstances. Golden Acre Wealth Management does not provide legal services. This page is for informational purposes only and does not constitute investment, tax, or legal advice. Past performance is not indicative of future results. CFP® and CERTIFIED FINANCIAL PLANNER® are certification marks owned by the Certified Financial Planner Board of Standards, Inc., awarded to individuals who successfully complete CFP Board's initial and ongoing certification requirements.