Thirty years ago, few advisors specialized in the moment money arrives. The industry specialized in building wealth, not receiving it. A business sale, a settlement, or an inheritance was treated like any other transaction.

It isn't. The psychology is different. The tax exposure is different. The decisions compress into weeks instead of years. The mistakes are different, bigger, and harder to reverse.

I built my practice around that gap. I own the federal trademark on "Sudden Wealth." I wrote The Sudden Wealth Solution to document the 12 principles I've seen work across decades of sudden wealth events. The Business Sale Paradox for founders specifically. Badass Retirement for the retirement cliff. Each book is a different angle on the same 30-year specialty.

Within that specialty, one kind of money behaves unlike all the rest. Money that arrives through a death or a serious injury — an inheritance, a life insurance payout, a wrongful death or malpractice settlement — carries a weight the others don't, because the financial benefit can't be separated from the loss that produced it. I call this Heavy Money, and it's the subject of my next book.

National media has called on me for commentary on sudden wealth and financial transitions for over three decades. I'm one of roughly 50 CFP Board Ambassadors in the country. Many of my new clients come referred by attorneys, CPAs, and other advisors who need someone with deep experience in these specific moments.

If you're facing one of these moments, you don't want a generalist. You want someone whose entire career has been this.