Financial Planning after a loss of a spouse

Widowed: Supporting You with Compassion

When you lose a spouse, the world changes overnight. The silence in the house feels overwhelming. The bed feels too big. The smallest tasks—like paying a bill or sorting the mail—suddenly feel impossible without the person who always shared them with you.

We understand. It is not just about loss—it’s about carrying on in a world that looks unfamiliar.

The Realities After Loss

The median age of losing a spouse in the United States is just 59 — far earlier than many expect.
Half of those over 65 who lose a spouse will live as many as 15 years afterward, carrying the emotional and financial weight alone.
Household income often drops by 37% after losing a spouse, creating financial strain at a time of great vulnerability.
Sometimes the hardest part isn’t the numbers at all. It’s simply learning to manage everything for the first time.

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Questions That Keep You Awake at Night

How do I pay these bills when I’ve never handled this before?
Will my savings last now that I’m on my own?
What if I make a mistake with money and can’t recover?
Who can I trust to help me when I feel so lost?

How We Help

We provide step-by-step support so you can feel confident and in control:

Organize finances: Make sure bills are paid, accounts are updated, and nothing falls through the cracks.
Understand your resources: Build a clear picture of income, expenses, insurance, and retirement savings.
Create a long-term plan: Protect your financial future and ensure stability for years to come.
Offer ongoing guidance: We remain at your side, so you’re never left carrying the financial burden alone.

You don’t have to figure it all out tonight. You don’t have to do this alone.

Securities and investment advisory services offered through Osaic Wealth, member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

This communication is strictly intended for individuals residing in the states of AK, AR, AZ, CA, CO, DE, FL, GA, HI, ID, IL, IN, MA, MD, ME, MI, MN, MD, MT, NC, NJ, NV, NM, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, and WI. No offers may be made or accepted from any resident outside the specific states referenced.

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Source: Kiplinger: The median age a woman becomes a widow is 59.4 for a first marriage (60.3 for a second). https://www.kiplinger.com/personal-finance/602892/widows-move-forward-on-their-own-but-not-alone

Source: Kiplinger: Half of widows over 65 will outlive their husbands by 15 years. https://www.kiplinger.com/personal-finance/602892/widows-move-forward-on-their-own-but-not-alone

Source: Kiplinger: Household income for widows typically declines 37% after a spouse dies. https://www.kiplinger.com/personal-finance/social-security-claim-strategies-for-wido

Source: Note: This is a common experience reported by widows, but not tied to a specific statistic.

Widowed: Supporting You with Compassion

The Realities After Loss

Questions That Keep You Awake at Night

How We Help