Sudden Wealth Planning

Sudden Wealth? See the Unseen Before it Disappears

One-third of heirs are worse off within 24 months. 70% of family fortunes vanish by Generation 2.

Why Windfalls Vanish (Fast)

The uncomfortable math of sudden money

33% of inheritance recipients hold negative net worth inside two years.
Mid-level lottery winners are 50% more likely to file bankruptcy within five years than small winners.
70% of affluent families lose wealth by Generation 2; 90% of them by Generation 3

Pointer Creek's Difference

See the Unseen – Even when it means saying “no.”

Boutique Roster: We onboard few households each year, as capacity allows. This is due to the level or expertise and staff resources we devote to each one.
Behavior-First Screening: We offer resources like our Readiness Quiz, and a 30 minute Fit & Screening Call.
High-Touch Onboarding: Pointer Creek invests heavily in firm resources, plus ~ 20 hours of discovery, modeling & coordination per new client.
Client Satisfaction: Our long-term retention is built on serving the right families, not every family.

We've helped clients with $250,000 make extraordinary long-term progress–and we’ve seen clients with $8 million lose it all. The different outcomes aren’t because of the dollar amount; they’re from the client behavior.

The Tale of Two Clients

Risk Category

Client Type

Likely Outcome

Our Stance

Group 1 - Lifelong "easy go" habits

(We Probably Can't Help)

Gamblers, distant-relative heirs, royalty windfalls, rookie athletes, etc.

Wealth gone in a few years

Honest Warning; 30-Day Checklist

Group 2 - Long-term discipline meets new money (We're Built to Help)

Business-sale founders, MD/JD/PhDs, raised-steward heirs, divorcees familiar with family finances

Wealth fuels independence, philanthropy, legacy, etc.

Four-Phase Framework:

Pause -> Plan -> Protect -> Prosper

*Tool selection always follows a documented best-interest analysis and may involve referrals to affiliates or outside specialists.

How We Help

We focus on clients with at least $500,000 in investable assets, but we also look beyond the numbers to help good people. What matters most to us is whether you’re committed to thoughtful planning, willing to pause before making big decisions, and eager to build a relationship with a firm that doesn’t try to be everything to everyone.

Ready for Your 30-Minute Fit + Screening Call?

Call us to schedule a consultation!

Prefer to start on your own? We are currently working on some free materials to help you do just that!

Registered representative, securities offered through Cambridge Investment Research, Inc., a broker/dealer, member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Pointer Creek Wealth Management and Cambridge are not affiliated. Cambridge does not provide tax/legal advice. Fixed insurance serviced offered through B Renner LLC, an unaffiliated Ohio Insurance Agent.