Inheritance & Lump Sums
A significant sum deserves a considered plan, not a rushed decision.
However it came about, an inheritance, the sale of a property, a redundancy or another windfall, receiving a lump sum can bring up a lot of questions. Pay off debt or invest? How much tax will there be? How do you make it last?
We help you work through it calmly and clearly, with no pressure and no judgement, so the money ends up working for your future instead of sitting there as a source of stress.
What a plan built for you gives you
Clarity, at your own pace.
✓A clear way through the questions, instead of feeling stuck or overwhelmed.
✓Decisions made with a strategy behind them, not just an emotional reaction.
✓An understanding of the tax considerations that come with your situation.
✓A plan for paying down debt where it makes sense, without it being the only option considered.
✓Room to enjoy some of it now, with a solid plan for the rest.
✓Protection in place for you and your family, so it actually lasts.
Practical guidance, at your own pace.
Whether you're dealing with five figures or considerably more, the questions are the same. Here's where we typically start.
Understand your tax position
Capital gains, income tax or super contributions, whatever applies to your situation, explained plainly before you decide anything.
Plan for the long term
From super to trusts, a plan for your own security, retirement, or supporting family down the track.
Decide: pay down debt or invest
A considered plan for existing loans, credit cards or HECS, weighed against your other goals rather than treated as an automatic choice.
Avoid common missteps
Impulsive purchases, informal loans, or spending ahead of a plan. We help you see the options clearly first.
Build an investment strategy
Shares, property or other options, worked out based on your goals, timeline and comfort with risk.
Take your time, properly
No pressure to decide everything at once. We help you make good decisions at the right pace for you.
Protect what you've received
The right structures and insurance in place, so the money doesn't quietly disappear over time.
Handle it with care
Whatever the circumstances behind the money, we approach it with respect and without judgement.
Why Level Up Wealth
Straight-talking advice, built around you.
One adviser, not a rotating team
You work directly with Scott, every time, not whoever happens to be free that week.
Fixed fees, agreed upfront
No surprises, and no percentage-of-assets charges eating into what you're building.
Built around your goals, not a product list
We start with what you're trying to achieve, then find what actually gets you there.
Handled properly
Paperwork, implementation and ongoing management taken care of, so it's not left to you.
Plain English, no jargon
Straightforward advice you don't need a finance degree to follow.
Accountability that keeps you moving
Someone in your corner keeping the plan, and you, on track, not just at the annual review.
Ready for a considered plan?
You don't need to have decided anything yet. Book a free, no-obligation intro call and we'll talk through where you're at, what's actually possible, and whether we're the right fit. No pressure, either way.
15 minutes, no prep needed We reply within one business day. No obligation to proceed