Sudden Wealth Planning in Kelowna
The Money Arrived. But, the Peace Didn't.
You're experiencing The Disruption.
It's normal to feel fear, and pressure from others to "Do Something" You don't need a hot stock tip. You need The Quiet Period.
Does Your New Wealth Feel More Like a Burden Than a Blessing?
The fear of "screwing it up" is real. The chaos, the pressure from family, and the sudden strain on your relationships can be overwhelming.
You are in a high-cortisol state. We operate a Specialized Care Unit to protect you from the fog until you regain your clarity.
What is Sudden Wealth Syndrome?
We call it The Disruption. It's a form of distress that afflicts individuals who suddenly acquire large sums of money. It is characterized by "Ticker Shock", paralyzing guilt, social isolation, and the fear of losing one's identity. It is a recognized psychological response to the pressure of immediate financial stewardship.
Your Steady Guide Out of the Chaos
I understand the fear and uncertainty that comes with sudden wealth. You don't have to navigate this alone.
"We’re very grateful for your steady approach and, above all, your patience... You’re helping us all to learn how to create stability instead of chaos."
Rolf Issler, BMgt, CLU
Guiding families like yours for over 20 years.
Your 3-Step Plan to Stability
Step 1:
Download the Guide
Start with the Sudden Wealth, Clear Plan Guide in private.
No pressure.
Step 2:
Stabilization Call
Book a 15-minute Stabilization Call to check for alignment. No sales pitches.
Step 3:
Enter the Quiet Period
We secure your funds, set your boundaries, and give you permission to pause.
Common Questions About Sudden Wealth
Is inheritance taxable in British Columbia?
Generally, no. Canada does not have a "death tax" on beneficiaries. However, the estate is responsible for paying taxes on capital gains and income before the money is distributed to you. Additionally, British Columbia charges Probate Fees (approximately 1.4%) on the total value of the estate's assets. We help you navigate these net calculations so you know exactly what you get to keep.
Why shouldn't I invest the money immediately?
Because you are likely in a state of "Ticker Shock." Making major investment decisions while emotionally overwhelmed often leads to regret or panic selling. We implement a 90-day Decision Free Zone, keeping your funds in safe, interest-bearing accounts while you process the transition. The market will still be there in three months; your peace of mind might not be if you rush.
How is a "Sudden Wealth Advisor" different from a regular financial planner?
Most financial planners focus on accumulation (saving for retirement). We specialize in preservation (managing a large lump sum that has already arrived). This requires a different skillset, including emotional regulation, and advanced tax mitigation strategies that generalist advisors rarely use.
Do you require me to move all my assets to you?
No. We use a Transition Retainer Model (Flat Fee) for our initial planning phase. This means we can give you objective advice—like paying off a mortgage or gifting money to family—without a conflict of interest. Our advice is not tied to how many assets we manage; it is tied to your stability and clarity.