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Wellness · Sep 14th, 2025
By
J. Andy Ingram, AIF®, QPFC®, CPFA™, C(k)P®, Ri(k)™
J. Andy Ingram, AIF®, QPFC®, CPFA™, C(k)P®, Ri(k)™When you think of the transfer of wealth and mistakes that come from this, your mind drifts to news articles of famous people who died without a will or estate plan. This is definitely a mistake but not a common one.
J. Andy Ingram, AIF®, QPFC®, CPFA™, C(k)P®, Ri(k)™You have just received an inheritance. What do you do now? You could spend it on some extravagance, but you would be better off doing two things first: assessing the tax ramifications and thinking about some investment options.
J. Andy Ingram, AIF®, QPFC®, CPFA™, C(k)P®, Ri(k)™As baby boomers move into and through retirement, they will pass on substantial wealth to younger generations. This financial shift will impact each generation (and each family) differently, but we’re likely to see a few common themes and trends emerge.
FAQs
Money decisions are complicated, and small mistakes can cost big. I simplify your options, help you avoid costly errors, and build a clear plan for your future.
Investing is one part of the picture. Financial planning covers the whole picture—retirement, taxes, insurance, estate planning, and how it all works together.
Yes. A 401(k) is a great start, but it’s just one tool. I’ll help you maximize it and build a retirement income plan that lasts.
Yes—if you invest with a plan. We match your timeline and risk level, then put cash to work in stages so you don’t rely on perfect timing.
A good return is the one that gets you to your goals with risk you can live with. We set expectations by plan, not headlines.
You can leave it, roll to your new plan, or roll to an IRA. I compare fees, fund choices, and protections, then execute the rollover for you.
As fiduciary, you must act prudently, document decisions, monitor investments, and ensure fees are reasonable. I provide 3(21) or 3(38) fiduciary support, policies, and a documented process to reduce liability.
Shift investment selection to a 3(38) fiduciary, adopt an IPS, run quarterly reviews, and maintain a fiduciary file. My role is to build and maintain that defense file for you.
We add budgeting, debt payoff, and household planning tools. I align wellness programs with retirement readiness metrics so benefits show measurable ROI.
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