I’d say to be conservative you should not include any inheritance in your planning, but have some ideas for it should it come along. For example pay off any credit card debt, maybe a mortgage, or catch up on unused TFSA room or take a long deferred family trip.
You could also have a financial planner run some scenarios, both without and then with various reasonable estimates of the inheritance. And stick to the recommendations if it materializes, rather than blowing it.
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