A couple reached out recently after receiving a six-figure inheritance from a relative in the United States. They were focused on managing sudden wealth responsibly, not treating it like a windfall.
They didn’t see the inheritance as extra money; rather, they viewed it as a responsibility. There was no shopping spree, no luxury upgrades. Instead, just one question: How do we honor this gift without disrupting our lives and our values?
Their goal was to use the money wisely without turning things upside down. For example, giving to causes they cared about was a priority. They also hoped to set up a modest income stream. Rather than chase big investment wins or dream of early retirement, they simply wanted to avoid mistakes.
Strategy First. Always.
Before discussing investments, we focused on intentions.
They planned to donate to charity, invest in a rental property for long-term income, and keep the rest safe and accessible.
It was a thoughtful approach to managing sudden wealth in a way that aligned with their values.
We explored low-risk options like U.S.-based insured bank accounts and conservative investments that could grow over time without causing stress. The goal wasn’t to maximize returns. It was to preserve the gift and use it meaningfully.
Build a Plan You Can Live With
Importantly, there was no rush. We designed a flexible plan that reflected their values and could evolve over time.
That’s what real financial planning looks like. Not a quick fix, but a lasting foundation. They used the inheritance to support causes they care about and to create future income through rental property, aligning their money with their values and long-term stability.
In doing so, they also passed something even more valuable to their children: a living example of how to handle money thoughtfully, generously, and with long-term purpose. Ultimately, the best inheritance isn’t just money. It’s the mindset behind how it’s used.
Concerned about using or leaving a significant and meaningful inheritance? Let’s talk about where you are today and where you want to be. Schedule a free Cross-Border Financial Evaluation at profile-financial.com/call.
Douglas Goldstein, CFP® is the director of Profile Investment Services, Ltd. www.Profile-Financial.com. He is a licensed financial professional both in the U.S. and Israel. Call (02) 624-2788 for a consultation on how to set up your American assets to meet your financial goals. Securities offered through Portfolio Resources Group, Inc. Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not those of Portfolio Resources Group, Inc. or its affiliates. Neither PRG nor its affiliates provide tax or legal advice.
Published November 5, 2025.