Inheritance Advisor Melbourne

Navigate inheritance with clarity and care.

For Melbourne families who have received or expect to receive an inheritance.

Receiving an inheritance can feel overwhelming. There is grief, there are decisions to make, and often pressure from family or your own expectations. We help you take a breath, understand your options and make choices you will not regret.

From investing a lump sum to managing inherited property, superannuation death benefits and family dynamics, we guide you through the financial and practical decisions with sensitivity and expertise.

  • Sensitive, patient guidance during a difficult time
  • Tax-smart strategies for inherited assets
  • Clear plans that honour your loved one’s legacy
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*Professional. Licensed. Recognised for excellence.

Why Work With Angel Advisory on Your Inheritance?

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Sensitive, unhurried approach

We understand you are dealing with loss. There is no pressure to make quick decisions. We work at your pace.

Tax-aware inheritance strategies

Inherited assets often come with tax implications. We help you understand CGT, super death benefits and structuring options.

Inherited property guidance

Keep it, sell it, rent it? We help you weigh the emotional and financial factors of inherited property decisions.

Lump sum investment planning

A sudden windfall requires careful thought. We help you invest wisely rather than rush into decisions you might regret.

Family dynamics support

Inheritances can strain family relationships. We provide objective guidance to help navigate shared assets and expectations.

Who we help

  • Adult children who have lost a parent: We help you manage the estate proceeds, invest wisely and make decisions that honour your parent’s memory.
  • Executors and administrators: Guidance on your responsibilities, asset distribution and working with beneficiaries.
  • Siblings sharing an inheritance: Objective advice on dividing assets fairly, especially inherited property or business interests.
  • Those expecting an inheritance: Planning ahead so you are prepared when the time comes. Understanding likely tax implications and options.
  • Super death benefit recipients: Understanding your options when receiving a superannuation death benefit. Lump sum vs pension, tax implications and timing.

Common Inheritance Questions We Help With

“I have inherited a large sum. What should I do?”

Do not rush. Park the money in a high-interest savings account while we work through your options. We will build a staged investment plan that matches your goals, risk tolerance and timeline.

“Should I keep or sell the family home?”

This is rarely just a financial decision. We help you weigh the emotional attachment, ongoing costs, rental potential and tax implications. Sometimes keeping it makes sense. Sometimes selling is the right choice.

“What are the tax implications of my inheritance?”

Australia does not have inheritance tax, but there may be capital gains tax when you sell inherited assets. Super death benefits can be taxable depending on the beneficiary. We explain what applies to your situation.

“My siblings and I disagree about the estate.”

We provide objective, numbers-based analysis to help families make fair decisions. We can model different scenarios and present options that work for everyone where possible.

“I received super from a deceased parent. What are my options?”

Superannuation death benefits can be taken as a lump sum or, in some cases, as an income stream. The tax treatment depends on your relationship and whether the benefit includes a taxable component. We explain your options.

“Should I pay off my mortgage or invest?”

It depends on your interest rate, tax situation and investment options. We model both scenarios so you can see the long-term impact and make a decision based on your circumstances and peace of mind.

Based in Melbourne and serving clients across South Melbourne, Brighton, Prahran, South Yarra, Windsor, Williamstown, Yarraville, St Kilda, Caulfield, Albert Park, Port Melbourne and nearby suburbs.

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How Our Inheritance Advisory Works

  1. Understand Your Situation
    We start by listening. What have you inherited? What are the time pressures? What are your concerns? We review the estate details, tax implications and your existing financial position.
  2. Develop Your Inheritance Plan
    You receive an Inheritance Strategy Report with:
    • Tax implications of inherited assets (CGT, super death benefits, income)
    • Options for inherited property (keep, sell, rent, timing)
    • Lump sum investment strategy (staged approach, asset allocation)
    • Debt reduction analysis (mortgage payoff vs invest)
    • Integration with your existing financial plan
  3. Implement and Support
    We help you action the plan step by step. We coordinate with solicitors, accountants and other professionals involved in the estate. We provide ongoing support as you adjust to your new financial position.

Inherited Property and Assets

Inherited assets require careful consideration. We help you with:

  • Inherited property: Understanding the CGT cost base, main residence exemption rules, and timing considerations for selling
  • Share portfolios: Managing inherited shares, understanding the CGT implications, and whether to hold or sell
  • Superannuation death benefits: Understanding your options as a dependant or non-dependant beneficiary
  • Business interests: Valuation, succession options, and exit strategies for inherited business assets

What you will receive: An Inherited Assets Report outlining the tax implications, options and recommendations for each asset type.

Meet Your Melbourne Inheritance Advisors

  • Experienced advisors helping Melbourne families navigate inheritance with care and expertise.
  • Melbourne locals who understand the emotional and financial complexities of inheritance.
  • Specialists in estate planning, inherited assets and family wealth transitions.
  • ASIC-regulated and focused on transparent, lasting results.

Your inheritance. Your future. Our guidance.

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Angel Advisory Melbourne team

Frequently asked questions

Your accountant handles tax returns and compliance. We focus on the bigger picture: how the inheritance fits into your overall wealth strategy, investment decisions, estate planning updates and family dynamics. We work alongside your accountant, not instead of them.

It varies. A simple estate with a valid will and no disputes can settle in 3 to 6 months. Complex estates with property, business interests or family disagreements can take much longer. We help you plan for both scenarios and make interim decisions while you wait.

Australia does not have an inheritance tax or death duty. However, there can be capital gains tax implications when you sell inherited assets. Super death benefits paid to non-dependants can also attract tax. We help you understand and plan for these costs before they become a surprise.

Often yes, but not always. It depends on your interest rate, tax situation, other debts and investment opportunities. We model the options so you can see the long-term impact of each choice. Sometimes a partial paydown with the rest invested makes more sense.

You have options. You can sell immediately, hold and rent it out, or renovate and sell later. Each has different tax implications and fits different goals. We help you weigh the options against your overall financial plan and family situation.

Family dynamics around money are complex. We provide objective, third-party guidance and help facilitate conversations. If disputes escalate, we can refer you to specialist estate lawyers or mediators. Our role is to help you make good financial decisions while preserving relationships where possible.

Yes, usually. A significant change in your wealth means your existing will may no longer reflect your wishes or be structured efficiently. We review your estate plan as part of our inheritance advice and coordinate with estate lawyers to update documents if needed.

We start by understanding your situation: the inheritance details, your current finances, family context and goals. We explain our process and fees. You leave with clarity on next steps and no obligation to proceed. The first meeting is about seeing if we are the right fit for each other.

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Retirement Planning

Plan your retirement income and super strategies.

Ready to navigate your inheritance with confidence?

Speak with a Melbourne inheritance advisor who will help you make thoughtful decisions, understand your options and create a plan that honours your loved one’s legacy.

Talk to an Inheritance Advisor Today