First weeks
Triage, not decisions
Order certified death certificates, notify Social Security, secure accounts and mail, and pause any irreversible move. The most important financial advice in the first month is: do not make major decisions.
Navigating Loss & Sudden Wealth
When the world goes quiet, we sit with the math.
Losing a spouse, parent, or loved one is not first a financial event, but within weeks, the financial work begins anyway. We are the steady second voice in the room: a fiduciary who helps you do what must be done now, and wait on what should not be decided yet.
How we help
The first weeks, the first year, and the years that follow.
First six months
Gather the picture
Inventory assets, debts, retirement accounts, life insurance, and beneficiaries. Coordinate with the attorney handling the estate. Understand what you have before deciding what to do with it.
First year
Build the new plan
Cash flow, tax filing as a survivor, retitling and beneficiary updates, rebuilt investment plan, and a written long-term plan that reflects your life as it is now, not what it was.
What we handle
Quiet, capable hands on the work.
We work alongside your estate attorney and CPA, never replacing them, always strengthening them with rigorous financial analysis and a calm point of contact.
- First-call checklist, what to do in the first 72 hours, the first month, the first quarter
- Coordination with your estate attorney and CPA, so you do not have to translate between them
- Beneficiary, title, and account consolidation across retirement, brokerage, and bank accounts
- Survivor Social Security and pension election analysis
- Filing as a surviving spouse, the brief window where tax planning is most consequential
- Life insurance and lump-sum settlement decisions, take, invest, or annuitize
- Inherited IRA distribution strategy under current SECURE Act rules
- Sudden wealth holding plan, where to park proceeds while clarity returns
- Rebuilt investment plan aligned to a household of one (or a new household)
- Updated estate plan, beneficiaries, and powers of attorney that reflect the new chapter
How we work
Unhurried, discreet, fiduciary.
Grief is not a deadline
We slow down where most advisors speed up. The decisions that cannot wait are fewer than you have been told.
Discretion, always
No product pitches at a vulnerable moment. No urgency we did not earn. Fiduciary, fee-based, on the record as yours.
Trained for this
Loss-of-spouse and sudden-wealth events are among the financial moments clients are most often poorly served in. We are built specifically for them. While women are at the center of everything we build, we welcome clients of all gender identities who value this kind of planning.
When you are ready, we are here.
An initial conversation is private, free, and carries no commitment.
Schedule a confidential consultation →