For Cobble Hill families: a clear-headed guide to your money after a big financial change.

A sale. An inheritance. A windfall. Suddenly you're holding more than you've ever managed — and facing decisions that are easy to get wrong and expensive to undo. Here's how to think about the first year.

No cost, no obligation. Just the guide.

WHAT'S IN THE GUIDE

• A simple first-year timeline — what to handle in 30 days, 90 days, and 12 months

• Where to keep the money so it's safe and insured (most people get this wrong)

• The tax basics for a sale, an inheritance, or another windfall — and why you may owe less than you think

• The five most common, most expensive missteps — and how to avoid them

WHY ME

I'm Herman Schroeder, and I help families in and around Cobble Hill make clear-headed decisions when their financial life changes.

• I manage investments professionally and take a family-office approach — the whole picture, for a small number of clients.

• I live here, renovated our own home, and understand this neighborhood and its housing stock from the inside.

• I believe good advice starts with the truth — including telling you when you don't actually need to pay anyone.

Not everyone needs an advisor. If your situation is simple, this guide may be all you need — and that's genuinely fine. Where help pays off is the big, irreversible moments. If that's where you are, the guide is a good place to start.