Broker Check


YOU DON'T HAVE TO RECREATE THE PLAN FOR THE NEXT PHASE OF YOUR LIFE ALONE








LET'S DO IT TOGETHER!

My Spouse is Gone, Now What?

We take care of all the financial stuff so you can focus on your physical and emotional wellbeing. As it should be. 

We know that facing a life transition such as becoming a widow or divorcée is difficult. It can be even more difficult if you are confused and feel alone. We are here to support you and we will:

• Be 100% honest and ethical – 100% of the time. 

• Put your interests first, always.

• Take extra time to explain everything to you.

• Help make the complex stuff simple and understandable.

• Answer all of your questions even the ones you don’t ask.

• Hold your hand when needed.

• Climb the mountain with you, not just hand you a map and point to the top.


IF ANY OF THE QUESTIONS OR CONCERNS LISTED BELOW SOUND FAMILIAR TO YOU, WE CAN HELP YOU!

BIG PICTURE PLANNING


• Do I need a financial plan?


• This is overwhelming, where do I start?


• Can you help me consolidate all this financial stuff?


• Accounts are in various names, what needs to happen?


• What is a QDRO and how does it affect me?


• Do I need to worry about running out of money?


• Can you show me a simple summary of all the financial stuff?


• Can we review the big picture and go over all my investments?


• Can you help me figure out where all the financial accounts are held ?


ACCUMULATION, CASH FLOW, AND INVESTMENTS


• Where is my monthly income coming from?


• How much can I spend every month?


• Do I keep my social security income, or do I get my spouse's?


• Am I entitled to my spouse’s pension, if so, how do I handle it or even get it?


• Can I Automate my monthly income?


• How do I create a budget?  Do I even need one?


• Should I be rebalancing my portfolio now that my spouse is gone?



ESTATE PLANNING & RISK MANAGEMENT


• Do I need life insurance?


• Do I have to pay any estate tax or extra income tax?


• Our trust has an A/B provision, what does that mean?


• I don’t want to be a burden to my kids, how to I set it up to stay 100% independent?


• What do I need to do with our Trust and will, is it still valid?


• How do I make sure everything I own goes to my children and grandchildren?


• How do I prevent my children from fighting when I’m gone?


• Do I need to change the beneficiary designations on everything now?  Can you help?

OTHER COMMON CONCERNS


• What other questions should I be asking?


• I don’t really like all the financial jargon, can you put it in simple terms?


• How often should we be reviewing all of this?


• How should I set this up if I decide to remarry?








READY TO PLAN THE NEXT PHASE OF YOUR LIFE?


LET'S DO IT TOGETHER!