Overview
Dr. Natasha came to Access shortly after inheriting more than $15M from her father’s estate. A practicing family physician with two young children and little time to manage her family’s finances, she needed more than investment management – she needed a partner to integrate the inheritance into her family’s long-term plan, protect what her father had built, and ensure it would reach the next generation.
Problem Statement
A significant inheritance, a thriving practice, two young children, and almost no spare time – without a coordinated strategy, Natasha’s family was at risk of paying unnecessary tax, missing key planning opportunities, and watching generational wealth quietly erode over time.
Challenge
– A recent multi-million-dollar inheritance had not yet been integrated into a long-term family plan, leaving meaningful tax and structural opportunities on the table.
– Natasha’s combined household income placed the family in the highest marginal tax bracket, with no proactive strategy in place to manage tax across investments, practice income, and inherited assets.
– With two young children, no estate plan existed to efficiently transfer wealth to the next generation or to manage the family’s exposure to estate tax.
– Natasha was concerned about consolidating her family’s entire financial life with a single provider — and needed clear, ongoing transparency into the strategies being used and the value being delivered.
– As a full-time physician with limited availability, she needed a service model that didn’t require her to be hands-on in the details.
Our Solution
Access designed a Complete Wealth Management relationship built around Natasha’s time constraints and long-term goals:
1. Integrated Family Plan. We built a single, coordinated plan covering Natasha’s medical practice income, the inherited estate, and the family’s long-term goals — replacing fragmented decisions with one clear strategy.
2. Tax-Efficient Wealth Structuring. We restructured how the inherited assets were held to minimize ongoing tax drag, layered in corporate and personal tax planning across Natasha’s professional income, and identified opportunities to keep more of what the family earns and inherits invested for the long term.
3. Multi-Generational Estate Planning. We established a clear estate strategy designed to protect the children’s future inheritance, minimize estate tax at the family level, and preserve the wealth Natasha’s father built for the generations ahead.
4. Active Investment Management. We took on full discretionary management of the family’s portfolio – aligned to their goals, risk tolerance, and time horizon – so Natasha could focus on her patients and her family rather than her statements.
5. A Service Model Built for Her Schedule. We structured communication around Zoom, phone, and email – with clear, jargon-free reporting and a dedicated point of contact – so Natasha never has to chase information or carve out time she doesn’t have.
Results
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“Results Quote”
Frequently Asked Questions
I just received a significant inheritance. What should I do first?
Before making investment decisions, the most valuable step is integrating the inheritance into a coordinated family plan – covering tax, estate, investment, and long-term goals together. Reacting in pieces almost always leaves money on the table. A short discovery conversation with an Access advisor can typically identify the highest-priority opportunities within a few weeks.
I’m hesitant to put all of my family’s finances with one provider. How does Access address that?
This is one of the most common – and most reasonable – concerns we hear. Our answer is full transparency: clear reporting, plain-language explanations of every strategy we use, and a service model built around your preferred cadence and communication style. Many of our clients started exactly where you are, and consolidating into one trusted relationship became the single biggest source of clarity and time saved.
I don’t have much time to manage my finances. Will this require a lot of involvement from me?
No. Our Complete Wealth Management clients typically meet with our team on a cadence that suits their schedule – quarterly, semi-annually, or as life requires – with everything in between handled by us. Communication happens on your terms, whether that’s Zoom, phone, or email, so the plan moves forward without competing with your career or family.