Please use this list as a guide and reach out if we can help you complete any of the items.

• Take Care of Yourself
  Allow yourself time to grieve and seek emotional support from friends, family, or grief counseling.
• Assess Joint Accounts and Assets
  Review joint bank accounts, mortgages, and other joint assets; update account ownership and beneficiaries if needed.
• Evaluate Income Sources
  Determine any outstanding paychecks or benefits your spouse may be entitled to; check if there are survivor benefits from pensions or retirement plans.
• File Taxes
  File a final tax return for the deceased for the year of their passing; understand any estate tax requirements and deadlines. Consult a tax professional to understand any tax implications and possible estate tax requirements.
• Review Retirement Accounts
  Understand your options regarding any retirement accounts your spouse held, such as 401(k)s or IRAs.
• Budget and cash flow
  Assess your new financial situation and create a budget to manage expenses and cash flow effectively.
• Assess life insurance policies
  Review any life insurance policies your spouse had, and contact the insurance company to initiate the claims process if applicable.
• Long-term financial planning
  Work with a financial planner to create a comprehensive long-term financial plan that aligns with your new circumstances and goals.

Visit Life Changes page
Life sometimes has some unforseen changes that can feel overwhelming.