Sudden Wealth Specialist · Kelowna, BC
The money arrived. Nobody prepared you for this.
The first 90 days matter more than you realize. Don't invest. Integrate.
Do this first
Three things, before anything else:
Move the money into a high-yield savings account or GIC. Not an investment account, a holding account. This isn't a strategy yet, it's a pause button.
Don't tell more people than already know. You can always decide to tell someone later. You can't undecide it.
Give yourself 90 days before any major decision, investing, gifting, paying off debt, quitting your job. Nothing below has to happen today.
That's the whole first move. Everything after this is for when you're ready to think about what comes next.
Not ready to talk to anyone yet?
That's normal. Most people aren't, this early.
Georgia is my private intake specialist. You can lay out your situation, ask what's actually urgent, and understand your options, before any human conversation, and before your name is attached to anything. Your data stays in Canada. Nothing is saved unless you choose to take a next step.
When you're ready, she'll point you to whichever is the right next step, a free Clarity Call with me, or straight to the Sovereignty Survey if you already know you want to move.
What kind of windfall are you dealing with
Lottery or gambling win
Tax-free in Canada, but the income it earns once invested isn't.
Insurance or legal settlement
Tax treatment depends on the source. Structure matters before the cheque clears.
Real estate sale
Capital gains and reinvestment pressure arrive at the same time.
Bonus or equity event
Employment income rules and sudden wealth rules collide.
Crypto
Taxed as capital gains or business income depending on how it's used. CRA exposure starts immediately.
Gift or family transfer
Attribution rules, and family dynamics, both arrive with the money.
Everyone Has a Plan for Your Money. I Have a Plan for You.
Banks and wealth managers earn their fee once your money is invested. However well-intentioned the advice, it's shaped by wanting your capital moving soon, the pause that would actually help you is the one period that earns them nothing.
I charge one flat fee to build your plan, whether you invest next month or next year. I'm paid to get it right, not to get it moving, that's the only incentive I have for the planning itself. Where implementation later involves products with built-in commissions or asset-based fees, those are disclosed separately, in advance.
“I had advisors calling within 48 hours of the wire. Everyone had a plan for my money. Nobody had a plan for me. Rolf was the first person who told me to slow down, and meant it.”
Eric, Founder, Kelowna, BC
How this works
Week 1
1. The Sovereignty Survey
We map where the money sits and what it needs to become, and move your funds into a secure, high-yield holding account while we do. You leave with a Stabilization Map, an Immediate Risk Scan, and a 30-Day Action Framework.
Months 1–12
2. The Virtual Family Office
We write your Sovereignty Charter: a short document defining how this money gets used, who has a say, and what you won't decide under pressure, and assemble your Personal Board of Directors.
After the Charter
3. The Integration
Investments, insurance, and giving all get built to match the Charter, not the other way around.
What People Ask in the First 48 Hours
What should I do first when I receive a large sum of money unexpectedly?
Nothing, for 90 days. Move the funds to a high-yield account or GIC and find a fee-only advisor who specializes in sudden wealth. Decisions made in the first 90 days are, statistically, the ones most often reversed or regretted.
Is lottery winnings taxable in Canada?
The winnings themselves aren't. The interest, dividends, or capital gains they earn once invested are fully taxable from day one, and gifting and estate planning considerations start immediately too.
Is crypto taxable in Canada?
Yes. The CRA treats it as a commodity. Selling, trading one coin for another, or spending it are all taxable events: capital gains if held as an investment, business income if traded frequently.
How do I protect sudden wealth from people asking for money?
Privacy first, then a written policy. A Sovereignty Charter defines in advance how requests get handled, so you have a structure to point to instead of a personal refusal every time.
Do I need a financial advisor for a windfall, or just an accountant?
Both, for different jobs. Your accountant handles the tax filing: capital gains, income inclusion, CRA disclosure. A sudden wealth specialist handles what the money becomes: the structure, the sequencing, and the governance that outlasts the initial event.
Ready to go further
Most people start with a free Clarity Call, 15 minutes with me, no pitch. If you already know you want to move faster, you can start directly with the Sovereignty Survey, a structured process that culminates in a 90-minute working session, and leaves you with a Stabilization Map, an Immediate Risk Scan, and a 30-Day Action Framework.