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

What These Numbers Mean — and What They Don't

These are high-level estimates, not a financial plan. We used four data points — your inheritance amount, current assets, age, and annual expenses — to run a simplified projection through the same planning engine our advisors use. It gives you a directional sense of what's at stake. But your real financial situation is almost certainly more complex.

Here's what this projection doesn't account for: your tax bracket and state of residence, your existing account types (IRA, 401(k), taxable brokerage, trust accounts), your debt obligations and interest rates, your insurance coverage and estate planning documents, your spouse's assets and income, your employer benefits and equity compensation, and your specific financial goals beyond retirement.

Why the details matter — a lot. The difference between holding your inheritance in a taxable brokerage account vs. a tax-advantaged account can be hundreds of thousands of dollars over a lifetime. The withdrawal order (which account you pull from first in retirement) can add or subtract years of income. Asset location, tax-loss harvesting, Roth conversion timing — these are the decisions that determine whether your wealth lasts 25 years or 40.

That's why we recommend speaking with an advisor. A 45-minute consultation can surface the factors this simple calculator cannot — and give you a personalized plan built on the full Monte Carlo engine, not just the average path. There is no cost and no obligation.