Business Sale & Inheritance
Navigating a Business
Sale or Inheritance.
Independent, considered advice for one of the biggest financial moments of your life.
Selling a business or receiving an inheritance changes everything overnight — except the fact that you're still the same person who now has to make decisions you've never had to make before.
We work with people in exactly this position: business owners who've just settled a sale, and individuals who've inherited a lump sum. Our role isn't to rush you into a portfolio. It's to help you think clearly, understand your options, and build a strategy that reflects what this money actually needs to do for you.
The Moment
Why This Moment
Is Different.
No Track Record at This Scale
A windfall isn't the same as money you've saved gradually. There's often no history of managing this scale of capital — and no real framework for the decisions that suddenly need to be made.
Pressure That Feels Real, But Isn’t
There's often no genuine time pressure — despite how it feels. Moving too fast, or not moving at all, are the two extremes we see regularly: money parked in a bank for a year out of uncertainty, or deployed too quickly into whatever an enthusiastic adviser suggested first.
Structure Matters More Than Selection
Tax treatment (including FIF and PIE considerations), entity structuring, and timing decisions often matter more than fund selection in the first few months — and they're easiest to get right before anything is invested.
Building A Portfolio To Last
This money usually needs to do more than solve for right now — it may need to fund a retirement decades away, or become something you pass on to children or grandchildren. The framework you set in the first few months shapes both of those outcomes far more than any single fund choice does.
Our Approach
How We Help.
An Unhurried First Conversation
No product pitch. We start by understanding your situation, your timeline, and what you actually need this money to do — not by presenting a portfolio.
Structuring Before Strategy
Tax treatment (including FIF and PIE considerations), entity structuring, and timing decisions often matter more than fund selection in the first few months. We get these right first.
A Genuinely Independent Portfolio
Because we have no product alignment, your portfolio is built around your goals — not around what pays us the most. Managers are selected purely on merit.
Ongoing Management, Not a One-Off Transaction
Markets, tax rules, and your own circumstances will all change after the initial decision. We manage your portfolio over time — not just at the point of sale.
Independence
Why Independence
Matters Most Here.
A lump sum attracts attention. When an adviser has ties to specific products or institutions, those ties shape what goes into your portfolio — often invisibly — and the pressure to deploy quickly can make it harder to see.
Bespoke Wealth has no product alignment, no institutional allegiances, and no proprietary products to sell. Your portfolio is built entirely around your goals, with managers selected purely on merit. An independent view is exactly what a windfall situation calls for.
Our Promise
- →No pressure to decide everything at once
- →Structuring before strategy
- →No proprietary products or trail commissions
- →Managers selected purely on merit
Questions & Answers
Frequently Asked Questions
Everything you need to know about working with Bespoke Wealth
Related Reading
From Our Insights.
Business Sale
Sold Your Business? The First 90 Days Matter More Than You Think
Read ArticleInheritance
What to Do With an Inheritance in New Zealand
Read ArticleSudden Wealth
Sudden Wealth: Why the Biggest Risk Isn’t the Market
Read ArticleTax Structuring
FIF, PIE, and Tax Structuring for a Lump-Sum Windfall
Read ArticleBook a Private,
No-Obligation Conversation.
If you've sold a business or received an inheritance, we'd welcome an unhurried conversation about your options — before you commit to anything.
Get in Touch