Your wealth, fully managed for heirs
A flat-fee CPA and financial planner team that gives you personalized, holistic advice across your taxes and financial plan. We sort out what you inherited, plan the taxes on inherited accounts and sales, and build it into your plan.
What we handle after an inheritance
Each kind of inherited asset has its own tax rules. This is the work we do with you, in order.
- 01
An inventory
We list what you received, from accounts and property to debts and documents, with the date-of-death values each one needs.
- 02
Inherited IRAs and 401(k)s
Most non-spouse heirs must empty an inherited account by the end of the 10th year, with yearly RMDs if the owner had started them. Your CPA spreads withdrawals across your brackets.
- 03
Stepped-up basis
Inherited stock or property usually takes its value on the date of death as your basis, so selling soon after can owe little tax. Your CPA records that basis before any sale.
- 04
State inheritance taxes
There is no federal inheritance tax, but Pennsylvania, New Jersey, Kentucky, Nebraska and Maryland tax some heirs. Pennsylvania charges children 4.5%.
- 05
A plan for the money
We set aside taxes first, then high-rate debt and a cash reserve, before investing the rest toward your goals. There is no need to decide everything in the first month.
- 06
Your own estate plan
An inheritance is a reason to update your own beneficiaries and documents. We coordinate the financial side with your attorney.
How Nino helps heirs
An inheritance often arrives with grief, paperwork and deadlines at once. On an Advisor plan your CPA and financial planner take the inventory, plan the taxes and the timeline, and file the returns, so you can decide at your own pace.
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A plan in your first two weeks
Your CPA and financial planner build a tax and financial plan that includes what you inherited, then revisit it every quarter as accounts are retitled and sold.
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Withdrawals planned against your income
Your CPA models inherited IRA withdrawals against your other income and tracks the basis of inherited assets, then files the returns after you approve them.
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One place for the paperwork
Upload statements and estate documents to your Nino vault and connect the accounts read-only, so your team and you work from the same records.
What should you decide first after an inheritance?
Four questions that are worth answering before you spend, invest or sell.
What is actually available
Separate taxes, debts, estate obligations and gifts you intend to make before treating the full balance as yours to use. Keep uncertain amounts visible until the estate settles, and keep the cash somewhere safe while you decide.
When to take inherited IRA money
Taking everything in one year can push it into the top bracket. Spreading a $1 million inherited IRA over ten years instead can save about $47,000 in federal tax.
Where to keep the cash meanwhile
Bank deposits are FDIC insured up to $250,000 per depositor, per bank, per ownership category. A large balance may need more than one bank or Treasury bills.
Whether estate tax applies
The federal estate exemption is $15 million per person in 2026, so few estates owe it, but twelve states and DC have their own estate tax at lower thresholds. See how much you can inherit tax-free.
Pick your plan
Every Advisor plan includes a CPA and financial planner team, federal and state tax filing, and our Ultra software.
Essential
- Everything in Ultra software, plus:
- A dedicated CPA and Financial Planner team for you
- Single-filer return, quarterly taxes included
- Retirement & equity planning
- Quarterly advisor access
- Rentals
- 0
- K-1s
- 0
- States
- 1
- Brokerage
- 3
Plus
Most Popular- Everything in Essential, plus:
- A dedicated CPA and Financial Planner team for you and your spouse
- Married filing jointly return, international coverage included
- One coordinated plan for both of you
- Quarterly and ad hoc advisor access
- Rentals
- 2
- K-1s
- 5
- States
- 3
- Brokerage
- 5
Premier
- Everything in Plus, plus:
- Business bookkeeping and tax filings, priced by complexity
- Joint or single return, complex international coverage
- Advanced equity & estate planning
- Priority advisor access
- Rentals
- 5
- K-1s
- 10
- States
- 5
- Brokerage
- 10
Software plans starting from $20 a month
Our AI financial assistant on its own, with a 7-day free trial.
Guides for heirs
Read up on these decisions, or run your own numbers.
How Much Can You Inherit Without Paying Taxes in 2026?
There is no federal inheritance tax, and estates under $15 million owe no federal estate tax in 2026. Five states tax heirs, and inherited IRAs are taxed.
Read guideManaging a Windfall
How much of a windfall you keep depends on where it came from. Classify it, reserve for the tax, then pay down debt, hold cash, and invest the rest.
Read guideWhat Happens When You Die Without a Will?
State law determines who inherits probate property when there is no will. Beneficiary designations, surviving parents, and state rules still matter.
Read guideWhere to Put Cash Above Your Emergency Fund
Keep 3 to 6 months of spending in insured savings. Park cash you need within a few years in T-bills, money market funds, or CDs, and invest the rest.
Read guideRMD Calculator
Find your required minimum distribution from the IRS tables and the federal tax each one adds.
Open calculatorAsset Allocation Calculator
Compare your asset mix with a target and explore rebalancing with trades or new contributions.
Open calculator