You inherited assets. Here is what changes when Brad is the one helping you sort it out.
Not another explainer on deadlines and rules. This is what it actually looks like to work through the decisions with an advisor, one conversation at a time, on your timeline.
"Most people who reach out have already read enough to know they should act. What they want to know is what actually happens if they call."
Brad Blackburn, Dyadic Financial Management
Audit, Engineer, Sustain, applied to inherited assets
Every engagement starts with the same three steps. Here is what each one covers when the assets in question just changed hands.
01 · AUDIT
What you actually received
✓ Stepped-up cost basis review on every inherited security and property
✓ Inherited IRA distribution rules and your required timeline under current law
✓ Concentrated stock or single-asset positions flagged for exposure
✓ Estate paperwork and titling checked against what still needs to move
02 · ENGINEER
A plan for what comes next
✓ A distribution plan for inherited retirement accounts that manages the tax impact
✓ A path to unwind concentrated positions without an unnecessary tax hit
✓ The inheritance folded into your own plan, not treated as a separate pot
✓ South Carolina-specific tax considerations addressed directly
03 · SUSTAIN
Once things are settled
✓ Ongoing monitoring as distribution deadlines and rules apply year to year
✓ Adjustments as your own life and goals shift around the new assets
✓ A standing point of contact, not a one-time transaction
hear it from brad
If you just inherited something, here is how I would actually work with you
A short, direct conversation. No pitch, just what the first few weeks look like.
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This is what we would actually be doing
Two of our services map directly to a fresh inheritance. The rest of the practice is there if your situation calls for it.
Distribution Planning
Inherited IRAs and other tax-deferred accounts come with distribution rules that carry real deadlines. We build the withdrawal schedule around your tax picture, not a generic default.
We serve as a fiduciary in advisory relationships. Through LPL Financial we operate independently, so what we recommend is what we believe is right for your situation. Securities and advisory services are offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
A full-time fiduciaryWe serve as a fiduciary in advisory relationships and are legally required to act in your interest.
Independent, through LPL FinancialNo proprietary products to sell and no quotas to meet.
You are not a ticket numberA deliberately sized practice, so your portfolio gets individual attention.
Not sure we are the right fit?That is a fair outcome of a first conversation too. We would rather tell you plainly than take on a relationship that is not a good match.
