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Solutions for
Sudden Wealth
Turn a Windfall into a Plan. Windfall planning for inheritances, business sales, or lottery winnings - cash flow, investment strategy, tax coordination, and legacy planning with Heirloom Wealth
When the number gets bigger, the stakes get higher: taxes, investing, protection, and long-term decisions all intersect. Heirloom Wealth Management provides integrated guidance across investment management and financial planning—built to help clients organize and simplify “everything money touches.”
Sudden Wealth Solutions
Solutions for Sudden Wealth
Sudden wealth can be a gift—and a source of pressure. This page is for people who have recently experienced a financial windfall, such as:
Winning the lottery
Receiving a large inheritance
Selling a business or real estate
Receiving a legal settlement or concentrated stock payout
When the number gets bigger, the stakes get higher: taxes, investing, protection, and long-term decisions all intersect. Heirloom Wealth Management provides integrated guidance across investment management and financial planning—built to help clients organize and simplify “everything money touches.”
Key Challenges for Sudden Wealth
Sudden wealth often creates a “decision pile-up.” Common challenges include:
Key Challenges
1. Speed vs. safety
Windfalls can attract urgency - requests, sales pitches, and opinions from every direction. Acting too quickly can be costly, but waiting without a plan can also create missed opportunities or avoidable mistakes.
Key Challenges
2. Tax impact that’s easy to underestimate
A windfall may come with complex tax consequences (timing, types of income/gains, and how actions cascade across the rest of your plan). Heirloom’s philosophy is that wealth and tax strategy shouldn’t be separate conversations - because each one affects the other.
Key Challenges
3. Investment risk and concentration
Many sudden-wealth events come with concentrated positions or big lump sums. The right next step depends on your timeline, liquidity needs, and risk comfort - not a one-size-fits-all portfolio.
Key Challenges
4. “New normal” cash flow
Your balance sheet changes overnight - but your spending plan, savings plan, and lifestyle goals need to catch up thoughtfully. Without structure, it’s easy to drift into choices that don’t match what you actually want.
Key Challenges
5. Protection, estate updates, and new responsibilities
Large wealth shifts often require a refresh of insurance, beneficiaries, and legacy priorities - especially if the windfall changes family dynamics or charitable goals.
Heirloom’s Approach to Sudden Wealth
Heirloom’s work is designed to reduce chaos and replace it with a clear operating system - your plan.
1. Clarify what the money needs to do (before optimizing the details)
Instead of starting with products, Heirloom starts with your goals, constraints, and decisions that are truly irreversible. This helps clients avoid building a “strategy” around assumptions they haven’t pressure-tested.
2. Build an integrated plan (wealth + tax awareness)
Tax decisions affect investment decisions (and vice versa), especially with large one-time events. Heirloom integrates those conversations so clients can see tradeoffs clearly and coordinate with their tax and legal professionals as needed.
3. Establish a portfolio and risk framework you can live with
Windfalls can tempt “all-in” moves. Heirloom emphasizes aligning the portfolio to your timeline, cash needs, and risk tolerance - so your strategy is durable through market cycles.
4. Sequence the first 90 days, then the next 12 months
Sudden wealth requires both triage and strategy. A structured plan typically includes:
Cash reserve and liquidity planning
Account organization and consolidation priorities
Investment allocation and rebalancing roadmap
Risk management review (coverage, liabilities, beneficiaries)
Charitable and legacy considerations (if relevant)
A meeting cadence to keep decisions intentional
5. Transparency and fiduciary alignment
Heirloom describes “fee-only fiduciary” as being on the same side of the table - designed to reduce conflicts and keep advice centered on what’s best for the client.
Important disclosures: Investing involves risk, including the potential loss of principal. Any tax planning discussion is general in nature and depends on individual circumstances. Past performance does not guarantee future results.
Schedule A Strategy Session with Our Team
This initial conversation is designed to understand your goals, current situation, and priorities. You’ll have the opportunity to ask questions, explore how Heirloom’s integrated approach works, and determine whether a longer-term relationship makes sense—without pressure or obligation.
Our Services
A coordinated approach to managing investments, planning, and cash flow, designed to bring clarity and confidence to your financial life today and over time.
Tax strategies integrated with your broader wealth plan, helping inform decisions, improve efficiency, and support long-term outcomes through coordinated planning.
Contact
6400 S Fiddlers Green Circle
Suite 1970
Greenwood Village, CO 80111
3200 Cherry Creek S Dr.
Suite 130
Denver, CO 80209
© 2026 Heirloom Wealth. All Rights Reserved.
The information provided on this website is for general informational purposes only and is believed to be from reliable sources; however, its accuracy or completeness is not guaranteed. This material is not intended to provide tax, legal, or investment advice. Individuals should consult with qualified tax or legal professionals regarding their specific circumstances. Nothing contained herein should be construed as a solicitation or offer to buy or sell any security.
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Investment advisory services are offered through Heirloom Wealth Management LLC, a Registered Investment Adviser.