WHO WE SERVE / INHERITANCE & BUSINESS PROCEEDSMeaningful wealth arrives with decisions that can't be undone. Let's get them right.
THE REALITYAn inheritance. A business sale. A liquidity event you've been working toward for years — or one that arrived before you were ready.
The money is real. The stakes are high. And the decisions you make in the first months matter more than most people realize.
The most expensive mistakes with significant wealth almost always come from rushing. We help you slow down, get oriented, and make decisions you'll be confident in — for the right reasons.
"I don't want to mess this up." That's the most common thing we hear at this moment. It's also exactly the right instinct.
WHAT ACTUALLY NEEDS TO HAPPEN - AND IN WHAT ORDERMost things that feel urgent aren't. A few things that don't feel urgent are.
Whether wealth arrives through loss or through something you built, the decisions are complex and getting them wrong isn't something you can take back. The first job is knowing what to do now versus what can wait.
GENUINELY URGENT Inherited IRA distribution strategy Rules around when and how you must take distributions from an inherited retirement account changed significantly under the SECURE Act. Decisions made in year one have tax consequences for years. Coordinate with a CPA before taking any distribution.
CAN WAIT - BUT SET A DEADLINE Where does the money go in the meantime
A phased approach — some deployed immediately into a diversified portfolio, the rest in short-duration fixed income while the plan takes shape — protects you from a large irreversible decision made before you're ready.
GENUINELY URGENT Stepped up basis and timing
Inherited assets typically reset their cost basis at date of death. Selling shortly after inheriting can dramatically reduce or eliminate capital gains exposure. This window matters — and most heirs don't know it exists.
CAN WAIT - BUT SET A DEADLINE The family home, business interest, hard assets
These carry emotional weight and financial complexity in equal measure. The goal is clear information and a real timeline — not a rushed decision, and not indefinite deferral because it's hard.
"I was so afraid of getting it wrong. By the end, I felt like I understood every decision I made — and I made them for the right reasons."
INHERITANCE - CLIENT CASERachel, 48, inherited roughly $1.5M across retirement accounts, a taxable portfolio, and a family home after her mother passed. Grief and financial pressure arrived together. The advisor who'd been charging AUM fees hadn't called. The questions started immediately — and none of them had clear answers yet.
$1.5M
Inherited across three separate asset types
8 months
To sell family home — on her timeline, not under pressure
Zero
Unplanned tax surprises on inherited accounts
An inherited IRA with distribution rules nobody had explained. A taxable portfolio with an advisor she'd never chosen — still charging fees, hadn't called. A paid-off family home with decades of memories and a decision she wasn't ready to make.
WHAT ARRIVED ALL AT ONCEWHAT CHANGEDAUM fee stopped immediately. Tax-aware distribution strategy built with her CPA — no surprise distributions on her tax return. Portfolio invested in phases. Family home sold on her timeline, eight months later, with clear information and no pressure.
Rachel · 48 · $1.5M inheritance · Family home · Inherited retirement accounts
Composite illustrations. Names and details are fictional. Results are not guaranteed and will vary by individual situation. Dynamic Financial Planning, LLC is a Registered Investment Adviser registered with the State of Arizona.
BUSINESS PROCEEDS - CLIENT CASE"I used to get on a plane and wonder if we were okay. Now I know we are — and Kate got what she deserved for what she built."
James, 37, co-founded a production company with his partner Kate. The business had real value. What it didn't have was any structure underneath it. When Kate decided to exit, the plan they'd built two years earlier made a complicated moment clean.
Agreed
Valuation — locked in before anyone wanted out
4- year
Installment buyout — funded from cash flow
Zero
Disputes, delays, or partner conflict
No funded buy-sell agreement. No agreed valuation methodology. An operating agreement eight years old that addressed almost none of what actually mattered if one of them wanted out. Cash in the wrong places. No retirement structure.
WHAT WAS QUIETLY MISSINGJames · 37 · Production company · Partner buyout · Business proceeds
A buy-sell agreement with a valuation methodology agreed while both partners were aligned. A funded installment structure. Cash matched to each payment timeline in short-duration bonds. Retirement structure built at 37. When Kate decided to exit, the plan ran — no lawyers, no dispute, no drama.
WHAT CHANGEDComposite illustrations. Names and details are fictional. Results are not guaranteed and will vary by individual situation. Dynamic Financial Planning, LLC is a Registered Investment Adviser registered with the State of Arizona.
WHAT WE HELP WITH01
Orienting before deciding
Map what you've inherited or received — what accounts exist, how they're titled, what the tax implications are, and what needs to happen now versus what can wait. This is the step most people skip. It's the most important one.
02
Tax-aware strategy from the start
Stepped-up basis, inherited IRA rules, capital gains timing, business sale structure — the decisions made in the first months are often the most consequential. We coordinate directly with your CPA so nothing arrives as a surprise.
03
A phased investment approach
Not rushed into the market at a single emotional moment. A portion deployed immediately into a diversified portfolio, the remainder in short-duration fixed income while the full plan takes shape. Deliberate, not reactive.
04
Hard asset decisions on your timeline
Family home. Business interest. Real estate. Clear information, a real deadline, and no pressure to decide before you're ready — and no indefinite deferral because the decision is hard.
05
Structure that matches what you've built
Estate planning coordination, protection planning, retirement structure, beneficiary designations. The infrastructure around meaningful wealth that most people don't have in place yet. This is when building it matters most.
06
Bringing the people who matter into the plan
A spouse who needs to understand the picture, not just the outcome. A partner who needs to see what happens if something changes. Good planning doesn't happen in isolation.
The full picture — for both scenarios.
WHO THIS IS FORYou're likely a fit if:
—You've recently inherited money, a portfolio, a family home, or some combination — and the questions started before you were ready
—You've sold a business or received significant proceeds and need a plan for what comes next
—You have an advisor relationship you inherited along with the money — one you never chose and aren't sure you should keep
—You want decisions made intentionally and in the right order — not reactively under pressure
—The stakes feel high enough that a second set of eyes — from someone with no product to sell — feels like the right move
HOW THIS USUALLY STARTSMost people come in with one question they can't quite answer on their own.
What do I do first? What actually needs to happen now? Am I about to make a mistake I can't undo? Those are the right questions — and that's exactly where we start. No rush, no product to sell, no agenda except getting this right for you.