Receiving a significant sum of money creates both opportunity and responsibility. Whether it’s inheritance, business sale, real estate, or settlements, sudden wealth requires thoughtful management to preserve these assets for the long term.

Emotional Complexity

Inheritances often come during grief, adding emotional weight to financial decisions
Responsibility to honor the source of funds and manage them wisely
Decision paralysis from fear of making mistakes with irreplaceable money
Impulse risk from pressure to “do something” immediately

Financial Complexity

Different management needs than regular income
Complex tax implications requiring strategic planning
Preservation priorities become paramount
Professional guidance becomes essential

Inheritance

Navigate tax rules, distribution requirements, and family dynamics while honoring your loved one’s legacy

Business Sale

Replace business income while funding retirement and long-term goals with sale proceeds

Real Estate Transactions

Manage proceeds from downsizing or property sales to fund future needs and financial objectives

Legal Settlements

Structure funds to provide both immediate support and long-term financial security

1. The Pause Principle

Take 3-6 months to:

• Address only immediate needs
• Park funds in secure, temporary options
• Process emotional aspects
• Develop a comprehensive plan before major moves

2. Three-Tier Allocation Strategy

Safety Tier (30-40%): Immediate needs and emergency reserves
Protection Tier (40-50%): Principal-protected growth for core security
Growth Tier (20-30%): Longer-term investments for future goals

3. Tax-Efficient Positioning

• Spread taxable events across multiple years when possible
• Utilize tax-advantaged growth vehicles
• Consider charitable giving strategies

4. Legacy Planning

• Establish clear inheritance plans
• Create education funding strategies
• Build sustainable multi-generational income

✓ Principal protection for irreplaceable inherited assets
✓ Tax-deferred growth to control your tax situation
✓ Growth potential through index-linked interest
✓ Wealth transfer efficiency with death benefit features

Multi-Year Guaranteed Annuities (MYGAs)

✓ Absolute safety for funds you cannot afford to lose
✓ Guaranteed growth regardless of market conditions
✓ Predictable outcomes for reliable financial planning
✓ Various terms to match your specific timeline

Sarah, 57, received a $500,000 inheritance following her father’s passing. After taking time to process her loss, she worked with a financial professional to develop a strategy that included:

• $100,000 in liquid assets for immediate needs
• $250,000 in an Oceanview Fixed Index Annuity providing:
  • Principal protection for this irreplaceable inheritance
  • Growth potential through index-linked interest
  • Tax-deferred accumulation to manage her tax situation
  • Future income options to supplement retirement plans
• $150,000 in a diversified portfolio for long-term growth

This balanced approach helped Sarah honor her father’s legacy while building her own financial security.

• Strength: Oceanview has an “A” Excellent rating from A.M. Best, reflecting our stability and reliability. 
• Transparency: We believe in clear, straightforward communication. Our products are easy to understand, helping you make informed decisions about your financial future. 
• Competitive Rates: Our special introductory rates on select crediting strategies provide an added incentive to start your retirement journey with us. 
• Supportive: Our dedicated team is committed to providing exceptional customer service and support throughout your retirement journey. 

Disclosures:

The Harbourview FIA (Policy Form ICC19 OLA FIA), and any variations is a single premium deferred annuity, and may not be available in all states. Annuities issued by Oceanview Life and Annuity Company, 1331 17th St., Suite 1050, Denver, CO 80202. www.oceanviewlife.com. A.M. Best Rating as of November 1, 2023, is subject to change. A (Excellent) rating is third highest of fifteen possible rating classes for financial strength. This material is a general description intended for general public, educational use. Refer to the product disclosure and related documents for more information or speak to your financial professional. Oceanview Life and Annuity Company is not providing investment advice for any individual or in any individual situation, and therefore nothing in this correspondence should be read as such. Neither Oceanview nor its representatives provide tax or legal advice. While care was taken in compiling this information, the Company reserves the right to correct any typographical errors that may exist. In California, doing business as Oceanview Life and Annuity Insurance Company.

HARBOURVIEW ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY THE FDIC OR NCUA/NCUSIF OR ANY OTHER FEDERAL GOVERNMENTAL AGENCY. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT. GUARANTEES ARE SUBJECT TO THE CLAIM PAYING ABILITY OF THE ISSUING INSURANCE COMPANY.