For Recent Inheritors

You just inherited money.
Here's what most people get wrong.

Three habits quietly erode an inheritance in its first years: leaving it in cash, holding the wrong assets in the wrong accounts, and letting spending rise to meet it. Answer four questions to see what yours could look like under a considered plan, and under each of those.

Free · No Account Required 60 Seconds Monte Carlo Analysis

Mistake #1

Leaving it all in cash. Inflation quietly reduces what it can buy, every year it sits there.

Mistake #2

Holding the wrong assets in the wrong accounts. Which account a holding sits in decides how much of its return you keep.

Mistake #3

Letting spending rise to meet it — upgrading the house or the car before the portfolio can carry the cost.

How much did you inherit?

Include the total value — cash, securities, property, or any combination.

Total inheritance value

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Your Wealth Projection

Age 45 → 90 · Based on conservative 60/40 portfolio assumptions

Important: This projection is a simplified illustration for educational purposes only. It is not a guarantee, promise, or prediction of future performance. It does not constitute investment advice, tax advice, or a solicitation to buy or sell any security.

The numbers shown are based on hypothetical assumptions about portfolio composition, market returns, inflation, and tax rates — your actual results will differ. This model does not account for your specific tax situation, estate planning needs, existing debt obligations, or insurance coverage.

Results vary with each use and over time. This is a Monte Carlo simulation — its results are generated from random sampling, so running it again with the same inputs will produce different numbers, and the outputs will change over time as assumptions are updated. Treat what you see as a range of possible outcomes, not a forecast.

The compared scenarios are illustrative. The projected paths are simplified illustrations built on generic portfolio assumptions to show a tradeoff, not a representation that any one path will outperform another in your specific case.

Figures are shown before advisory fees. The projection does not deduct any investment-advisory fee; an actual advisory fee would reduce the results shown.

Past performance and hypothetical projections are not reliable indicators of future results. All investments carry risk, including the possible loss of principal.

What These Numbers Mean — and What They Don't

These are high-level estimates, not a financial plan. We used four figures — your inheritance, your current assets, your age and your annual expenses — to run a simplified projection using the same analysis our advisors run. It gives you a directional sense of what is at stake. Your actual situation is almost certainly more involved.

What this projection does not account for: your tax bracket and the state you live in, the accounts you already hold (an IRA, a 401(k), a taxable brokerage account, a trust), your debts and their interest rates, your insurance coverage and estate documents, a spouse's assets and income, your employer benefits and equity compensation, and any goal beyond retirement.

Why the details matter. Whether an inheritance sits in a taxable brokerage account or a tax-advantaged one can be worth a great deal over a lifetime. The order you draw the accounts down in retirement can add or subtract years of income. Which account holds which asset, when to realize a loss, when to convert to a Roth — these are the decisions that decide how long the money lasts.

That is why we suggest speaking with an advisor. A 45-minute consultation can surface the factors this calculator cannot, and produce a plan built on the full analysis rather than a single average path. There is no cost and no obligation.

View Full Assumptions & Methodology

You just inherited money.Here's what most people get wrong.

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You just inherited money.
Here's what most people get wrong.