Advisors for Lottery Winners

A sudden windfall is a full-time job. Here's the team to build before you claim a major prize.

💡 Before anything else: sign your ticket, secure it, and stay quiet. Don't announce the win publicly until you've spoken with advisors and understand your state's anonymity rules.

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Financial advisor / CFP

Builds a plan for the windfall — investing, budgeting, and making it last. Look for a fee-only fiduciary.

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Attorney

Advises on claiming anonymously (via a trust or LLC where allowed), estate planning, and asset protection.

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Tax professional (CPA)

Federal tax is withheld and state tax varies — model the hit and plan quarterly. Try our tax calculator.

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Banker / custodian

A reputable institution to safely hold and move large sums while your longer-term plan is set up.

Lump sum or annuity?

Most jackpots let you choose a discounted cash lump sum or an annuity paid over ~30 years. The lump sum gives control and immediate investing power; the annuity gives guaranteed income and some protection from overspending. Your advisors will weigh your age, goals, and tax situation — model both with the tax calculator first.

This is general information, not financial or legal advice. Consult licensed professionals for your situation.