Managing an Inheritance.
When money suddenly arrives, so do the decisions. Do you pay off the mortgage, add to super, invest for the future — or finally buy that caravan you’ve been dreaming about?
It’s easy to feel pulled in all directions. Friends offer opinions. The headlines don’t help. And one wrong move could mean missed opportunities or unnecessary tax.
We help you make calm, considered decisions, from family support to lifestyle dreams, and turn your inheritance into lasting financial security.
How we can help:
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Inheritance Strategy Assessment
We'll analyse your age, income, existing assets, and goals to determine whether super, investments, property, or a combination makes most sense for your specific situation.
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Tax-Effective Structuring
Navigate the complex tax rules around inherited assets, including capital gains implications, super contribution caps, and timing strategies.
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Investment Integration Planning
Show you how to blend your inheritance with your existing super and investments without disrupting your long-term wealth building strategy.
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Estate Planning Review
Update your own will and estate planning to reflect your new financial position and ensure everything passes on as you intend.
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Family Dynamics Navigation
Handle situations where different family members have different financial needs or views about inherited assets like the family home or investment properties.
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Ongoing Management Strategy
Create a plan for managing and growing your inheritance over time, whether that's through super, direct investments, or other vehicles.
Inheritance FAQs
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In most cases, the money itself isn’t taxed when you receive it. What matters is what you do with it next. For example, if you put it into super, invest it, or sell inherited assets like property or shares, that’s when tax rules kick in. The key is to structure things so you keep more in your pocket and less goes to the tax office.
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There’s no one right answer. Paying down debt gives you peace of mind and guaranteed savings on interest. Investing, on the other hand, can grow your wealth over time — but comes with ups and downs. Often, the best strategy is a blend: clear the debt that’s holding you back and put the rest to work for your future.
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Super can be one of the smartest places for inheritance money because of the tax benefits. But it also locks those funds away until you retire. If you’ll need access sooner — for family support, renovations, or that long-awaited holiday — other options may suit better. We look at both the tax savings and your lifestyle plans before making a call.
