Make a plan for your inheritance or windfall
An inheritance can change your options before you know what to do with it. Use Nino’s AI software to organize the assets and explore decisions. Add a human CPA and CFP team to build a plan and work through the tax questions.
An inventory
Bring inherited assets, debt, and relevant documents into the household picture.
Tax questions
Separate the receipt of assets from later income, distributions, and sales.
Spending and saving
Explore how different uses affect near-term cash and long-term goals.
Professional help
Add a CPA and CFP when you need advice on the specific assets and decisions.
Decisions to check carefully
These decisions deserve a closer look. Start with the numbers, then get professional help where you need it.
Different asset rules
Inherited retirement accounts and other property can have different tax and distribution rules. Identify the asset before assuming a result.
Time to decide
Keeping funds available while you understand obligations can be appropriate. There is no need to invest everything immediately.
Unplanned commitments
Separate taxes, debt, gifts, and spending before treating the full balance as available.
Federal and state tax filing is included on every Advisor plan, from $3,600 a year.
Guides for inheriting wealth
Read up on these decisions, or run your own numbers.
How Much Can You Inherit Without Paying Taxes in 2026?
There is no federal inheritance tax, and estates under $15 million owe no federal estate tax in 2026. Five states tax heirs, and inherited IRAs are taxed.
Read guideManaging a Windfall
How much of a windfall you keep depends on where it came from. Classify it, reserve for the tax, then pay down debt, hold cash, and invest the rest.
Read guideWhat Happens When You Die Without a Will?
State law determines who inherits probate property when there is no will. Beneficiary designations, surviving parents, and state rules still matter.
Read guideWhere to Put Cash Above Your Emergency Fund
Keep 3 to 6 months of spending in insured savings. Park cash you need within a few years in T-bills, money market funds, or CDs, and invest the rest.
Read guideRMD Calculator
Find your required minimum distribution from the IRS tables and the federal tax each one adds.
Open calculatorAsset Allocation Calculator
Compare your asset mix with a target and explore rebalancing with trades or new contributions.
Open calculator