An inheritance. The sale of a business you spent decades building. A property settlement or payout. A significant sum arriving at once changes your financial life faster than any plan anticipated — and the decisions made in the first twelve months tend to set the trajectory for everything after.
The first rule: structure before decisions
Most costly mistakes with sudden wealth aren't bad investments — they're good intentions executed in the wrong order. Money placed in the wrong name or entity. Contribution caps missed or breached. Capital gains realised in a year when they didn't need to be. Generosity to family before the tax position was understood. The window to get the structure right is before the money moves, not after.
What we help you work through
- Where the money should sit first — and the parking strategy while decisions are made properly
- Tax on the event itself: CGT on a business sale (including small-business concessions), and what an inheritance does and doesn't trigger
- How much flows into super — contribution caps, timing across financial years, and spouse strategies
- Whether existing debt should be cleared, restructured, or deliberately kept
- The income plan: turning a lump sum into reliable, tax-effective cash flow
- Protecting it: estate planning, asset protection, and clear-eyed conversations about family requests
Talk it through before you decide anything.
A complimentary, confidential 30-minute conversation with Troy — Zoom, phone, or in person in Sydney or Brisbane. No obligation, no pressure.
Book a Discovery Call →Why WDA for this moment
We are self-licensed (AFSL 562647) and fee-for-service — no commissions on investment products, no product quotas, and fees published in plain sight. Portfolios are actively managed with underlying costs kept to a minimum and after-tax returns — including tax-aware strategies like loss harvesting — treated as the measure that matters.
General Advice Disclaimer
This page contains general information only and does not take into account your personal financial situation, objectives, or needs. Before acting on any information, consider its appropriateness to your circumstances, read our Financial Services Guide, and seek personal financial advice. Tax outcomes depend on your circumstances and should be confirmed with a registered tax agent. Wealth Designers Advisory Pty Ltd (ABN 26 650 483 300, AFSL 562647).