Recieved an
inheritance?
Let’s build a
financial plan for it.
What You’ll Gain With Inheritance
Financial Planning with HTG Advisors
A Personalized Plan for Your Inheritance
Tax-Smart Withdrawal Strategy
Ongoing Communication & Plan Adjustments
We actively monitor your portfolio and long-term plan for your inheritance and adjust as life and goals evolve.
Why Hire a Financial Planner After Receiving
an Inheritance?
- How does this change my financial goals?
- Can and should I adjust my retirement timeline?
- How can I build family wealth from my inheritance?
- Should I use my inheritance to pay off my house or student loans?
- Do I need to update my estate plan?
- How do I avoid sudden wealth syndrome?
- What’s the best way to invest my inheritance?
- What required distribution rules do I need to follow?
- How do I reduce my inheritance tax burden?
HTG Advisors provides clear answers and ongoing support to assess your goals and make the most of your inheritance.
Inheritance Financial Planning Services
Unlike attorneys and accountants who handle estate settlement and tax returns, we focus on the broader financial plan, guiding you through wealth management decisions that reduce costly mistakes and support long-term growth.
Our Engagement Process
Free Introductory
Call
Collaborative
Planning
Ongoing
Relationship
Don’t squander your inheritance. Make
informed distribution decisions.
We help you evaluate your options, understand distribution rules, and build a strategy that supports your long-term goals.
What Our Clients Say
Reviews are based on unique experiences and may not be representative of all client experiences. No cash or non-cash compensation is provided to those leaving a review. Investing involves risk, including the possible loss of principal and fluctuation of value. Past performance is no guarantee of future results. Additional information about HTG Investment Advisors is available in its current disclosure documents, Form ADV, Form ADV Part 2A Brochure, and Client Relationship Summary report.
Success Story: Helping a New Widow
Manage Her Inheritance
Don't let impulsive decisions derail your long-term plan.
Large or unexpected inheritances can lead to costly mistakes. We help you evaluate your options
before making important decisions.
Inheritance Financial Planning FAQs
As a fee-only fiduciary, we do not receive commissions or fees from the sale of financial products. Our fees come exclusively from our clients, so you can count on us to be transparent and straightforward. All of our services, including financial planning, investment management, client meetings, performance reviews, portfolio reporting, tax reports, etc., are included in our fees, which are billed quarterly in arrears.
Our fees consist of a fixed fee of $3,000 per year plus an assets under management fee starting at 0.75% that declines at higher asset levels. While we don’t have strict minimums, our fees generally make sense for clients with at least $2 million in investable assets (excluding home equity and checking accounts).This allows us to provide the most value and makes the most financial sense for both parties.
You’ll have regular check-ins, plus access to your advisory team as questions arise or life circumstances change.
It depends on a number of factors, including if you’re an Eligible Designated Beneficiary (EDB). As of 2025, the 10-year rule for inherited IRAs requires non-eligible beneficiaries to fully distribute the inherited IRA by the end of the 10th year after inheritance. We recommend working with a trusted financial advisor to build a distribution plan that minimizes your tax burden and avoids penalties.
- Significantly changing spending habits without looking at the bigger picture
- Not prioritizing long-term savings
- Missing opportunities to “stretch” tax deferrals over a longer time period
- Acting too quickly on major financial decisions
- Missing critical deadlines, like Required Minimum Distributions or tax return dates
- Not considering the strategic disclaiming of inherited assets
- Lacking a trusted financial partner to help identify and avoid scams
- Not updating their own estate plan to reflect new circumstances and goals
- Trying to manage complex financial decisions without professional support
Yes. Our 30-minute introductory call is complimentary. It’s a chance to learn about your financial situation and share how we can help, without pressure or obligation.
Our services are offered as part of a comprehensive relationship. This allows us to provide coordinated investment management and planning support to give you the best long-term outcomes.
Yes. In fact, our clients are geographically dispersed across the country; fewer than half reside in Connecticut. We are accessible via telephone and video conference and regularly schedule trips to regions outside the NY Metro area.
Fee-only indicates that we only receive fees from our clients. We do not receive compensation from the sale of any financial products, so our advice is always in your best interest, not influenced by commissions.
As fiduciaries we are legally and ethically bound to act in our clients’ best interests.
Yes. If creating generational wealth is one of your goals, we’ll make that part of your financial plan. That may include aligning your investment strategy, estate planning decisions, and gifting or savings strategies accordingly. Our long-term approach to inheritance financial planning balances your financial needs today with your family’s financial future.
A knowledgeable financial advisor aims to protect you from financial mistakes that could jeopardize your long-term goals. As fee-only fiduciaries, HTG advisors always act in your best interest, giving unbiased expertise and guidance for your specific needs. We’ve been implementing proven strategies for our clients since 1993.
The HTG Difference
- Credentialed & Specialized – Our collective credentials are rare for a firm of our size. We have advisors with varied backgrounds, specialties, and hands-on experience.
- Collaborative – Our culture fosters a highly collegial and interactive environment, which ultimately leads us to find the best solutions for you.
- Multi-generational – Our advisors span generations. As your new financial situation unfolds and needs evolve, we have the staff and collective resources to grow with you.
- Personalized and Responsive – Our low client-to-advisor ratio allows us to thoroughly understand your financial goals and unique circumstances, ensuring that you receive tailored, timely attention.