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You can never truly be prepared for when a spouse or partner passes away. There are so many decisions that need to made, all while dealing with a surge of emotions. Once you’re ready, our advisors are here to help guide you in considerations and decisions throughout the process.  



There are some items that need to be addressed as soon as possible, such as: 

  • Were written wishes of the deceased reviewed? 
  • Have funeral arrangements been made? 
  • Contact your financial professional, and/or attorney 



Soon, there will be documents that will need to be gathered and organized such as: 

  • Birth Certificate 
  • Death Certificate 
  • Marriage License 
  • Will 
  • Divorce Decree 
  • Life Insurance Policies 
  • Employee Benefits Information 
  • Tax Information 
  • Military Service Documents 
  • Investment Documents 



Professional relationships and arrangements will need notification and possibly updating. This can include: 

  • Financial professionals 
  • Accountants 
  • Social Security 
  • Military Benefits 
  • Insurance Companies 
  • Beneficiary Information 
  • Accounts, titles and licenses for vehicles, real estate, banks, investment accounts, retirement accounts, 



There are several legal and financial considerations once a loved one has passed. Work with your attorney to better understand the process and the laws within your state. 

  • Contact the executor, administrator, trustee(s), guardians, and heirs. 


There are professionals to help you through this difficult time. A financial professional can help you update your financial plan based on benefits you’ve received, create a budget for your new income and expenses, revisit your retirement plan, and weigh any decisions about cashing out investments.