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. Then come the account forms, a distribution clock you didn't know existed, a house to deal with, and everyone from brokers to brothers-in-law offering opinions.

Almost nothing has to be decided this week. The first job is telling you which decisions carry real deadlines, which are expensive to rush, and which can wait until you can breathe. Then we build the plan — with the tax rules handled by someone licensed in them.

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."
"My siblings and I have to decide about the house and we don't agree."
"There's a pile of one stock. Selling it feels disloyal."
"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 clear list of real deadlines — required distributions, disclaimers, elections — separated from everything that can and should wait. Most of it can wait. Knowing which part can't is the whole point.
No. 2
Inherited retirement accounts
Most non-spouse beneficiaries must empty an inherited retirement account within ten years, and how you spread those withdrawals can swing the tax bill enormously. We schedule them across your lowest-bracket years instead of letting the deadline decide.
No. 3
Step-up in basis, used well
Inherited taxable assets generally reset to date-of-death value, which often means appreciated stock or property can be diversified with little or no capital gains tax — if it's handled before new gains build up on top.
No. 4
The house, the stock, the stuff
Keep, sell, or rent the property. Hold or diversify the concentrated position. What to do with things that carry more meaning than market value. We run the numbers so the choice is informed rather than driven by whoever pushed hardest.
No. 5
A plan for the proceeds
Debt, reserves, investing, giving, and the goals this money actually makes possible — sequenced into a written plan, then invested tax-aware alongside everything else you own.
No. 6
Coordination with the estate and the family
We work alongside the executor, the attorney, and other heirs' timelines, and handle the tax filings the inheritance itself creates — from estimated payments on new income to the return that reports it.

One fee covers the whole relationship

Inheritance planning is one of five services included in the advisory fee. The others come with it — not as add-ons.

No. 01
Inheritance Planning
Deadlines, inherited IRAs, and a plan for the proceeds.
No. 02
Tax Planning
Year-round strategy from an Enrolled Agent, built into every decision.
No. 03
Investment Management
Tax-aware portfolios built around your goals and timeline.
No. 04
Estate & Legacy
Beneficiaries, titling, and coordination with your attorney.

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 actually have to do right now?
Usually less than you fear, but a few things matter early: don't cash it out reflexively, don't roll it into your own IRA if you're a non-spouse beneficiary — that mistake can't be undone — and get the account properly retitled as an inherited IRA. Then the real planning, the withdrawal schedule, can be done 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 — very few estates owe it. What usually does get taxed is what happens next: withdrawals from inherited retirement accounts are ordinary income, and gains after the date of death are yours. That's where planning earns its keep.
The estate is still being settled. Is it too early to talk?
It's the ideal time. Decisions made during settlement — disclaimers, which assets fund which bequests, how accounts get retitled — often can't be undone afterward. A short conversation now regularly prevents the expensive kind of permanent.
Should I pay off the mortgage, invest it, or something else?
The honest answer is that it depends on numbers we can actually run — your rate, your brackets over the next decade, your goals, and how the inherited assets are taxed. That analysis is what the plan is for. What we won't do is steer the money toward whatever pays an advisor most; nothing here pays a commission.
My siblings and I inherited together. Can you work with all of us?
Often yes, and sometimes it's better if each of you gets independent advice — your brackets, ages, and goals differ, so the right answer for one heir isn't the right answer for another. We'll be upfront about which arrangement fits and where a conflict would exist.
Do I have to move the money to you to get help?
No. If ongoing management fits, inheritance planning is included in the advisory fee. If you just want the decisions made correctly, an hourly or flat-fee engagement can produce the written plan and you can execute it anywhere.
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 Wealth Management LLC 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.