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| financial planning for widows: Moving Forward on Your Own Kathleen M. Rehl, 2010-08 Your husband's death is possibly the most devastating event you've ever experienced. You may wonder, ôAm I going to be able to make it on my own?ö Maybe you feel overwhelmed and don't know what to do next. |
| financial planning for widows: Wise Women Managing Money Miriam Neff, Valerie Neff Hogan, 2022-03-01 A book by women, for women, about money management. More women than ever have control of capital and are making financial decisions. Yet not every woman has command of the lingo, the underlying principles, or the big-picture perspective of money management. If that describes you, Wise Women Managing Money is here to help. Written by a mother-daughter team, this book is uniquely positioned to come alongside you and provide the financial overview you need. Miriam, the mother in the duo, has enough real-world experience to give her a vintage outlook on life. As a long-time counselor, she understands human needs. And as a widow, she knows what it means to be thrust unexpectedly into money matters. Valerie, the daughter, is an attorney, certified financial planner, and an expert in Christian philanthropy. Together, Miriam and Valerie combine their skillsets to answer your pressing questions about things like: Credit cards Managing debt Insurance Loans and contracts Budget busters Avoiding fraud Picking a financial advisor IRAs, annuities, & Roths Kingdom giving And much more! Whether you’re newly involved in money management due to a career or life transition, or you just want to be more knowledgeable about this important part of life, Wise Women Managing Money will teach you the ropes in language anyone can understand. Don’t let all the business jargon or technical terms intimidate you. Take control of your financial future and start managing your money in ways that honor God and allow you to do good with the resources He provides. |
| financial planning for widows: How to Give Financial Advice to Couples: Essential Skills for Balancing High-Net-Worth Clients' Needs Kathleen Burns Kingsbury, 2013-09-06 DISCOVER the SECRETS to ATTRACTING and RETAINING AFFLUENT COUPLES Fact: A startling 70 percent of widows fire the couple's financial advisor within one year of the death of their spouse--the main reason being that the advisor had failed to develop a trusting relationship with both partners. You can be the exception by developing the essential skills needed to be a couplefriendly advisor. And Kathleen Burns Kingsbury, a leading wealth psychology expert, shows you exactly how to develop these skills. How to Give Financial Advice to Couples teaches you how to avoid common traps like subtly siding with one member of the couple, failing to plan adequately with both partners, and sidestepping difficult financial conversations for fear of upsetting the wealth creator. A leading wealth psychology expert, Kathleen Burns Kingsbury reveals everything you need to know about the psychology of couples in order to serve them better. Along the way, she offers specific tips and techniques for managing the challenges inherent in advising traditional and nontraditional couples. Kingsbury reveals: The top myths about couples and money The five tenets of couple dynamics and how they unfold in your office Strategies for encouraging the nondominant partner to speak up in meetings Techniques for facilitating financial conversations and mediating differences Tips for empowering couples to raise financially intelligent children You'll learn how to develop and articulate your couple's philosophy to establish expertise and credibility, how your couple's mindset impacts your work, and how being a couple-friendly advisor will set you apart from the competition. This one-of-a-kind handbook is the key to unlocking the secrets to attracting and retaining high-net-worth couples now and after difficult life transitions. How to Give Financial Advice to Couples gives you the expert insight and proven tools for navigating the unique dynamics of two people planning for their financial future. Why do 70 percent of widows fire their financial advisor upon the passing of their husbands? Kathleen Burns Kingsbury provides the answer. Providing financial advice to couples is a primary skill that has been overlooked in this profession for too long. Whether or not you hearken to Kathleen’s insights will have a profound impact on your business, for better or for worse, for richer or for poorer. -- Mitch Anthony, author of The New RetireMentality A must-read text for financial advisors to help them build and grow their practices. Kingsbury's advice will transform the way you work with your coupled clients, making for more satisfying and prosperous advisory relationships. -- Eleanor Blayney, Consumer Advocate for CFP Board There are four things we were all taught never to talk about: Sex, Politics, Religion, and Money. When it comes to money, the one place where these conversations MUST happen is in your office. That's why you need to read this book--for its insights into how you can help couples start talking about money! -- Carl Richards, author of The Behavior Gap |
| financial planning for widows: Affluent Investor Phil DeMuth, Ben Stein, 2013-04-01 Newcomers to financial investment can find dozens of advice books written especially for them, but this brand-new title is a book with a difference. It speaks directly to you—if you’re an investor with a portfolio worth $100,000 or more. The well-known investment advisor and bestselling author Phil DeMuth addresses the bread-and-butter issues facing that underserved segment of the equities investment community. He will tell you— How to custom tailor your asset allocation to your personal circumstances How to capture the recognized outperforming market anomalies in your portfolio How to keep what you’ve got and avoid Wall street’s wealth extraction machine Author DeMuth also passes along some invaluable retirement investing advice learned from Warren Buffett, and he explains the primary asset protection and tax minimization strategies that work for those in the high-net-worth bracket. Here are investment strategies for the affluent, as well as for those who are approaching affluence and are trying to take that big step forward. |
| financial planning for widows: My Husband Died, Now What? Debra L. Morrison, 2015-01-12 A widow's step-by-step guide to picking up her emotional pieces and re-creating her life--personally and financially. This seasoned Certified Financial Planner gives easy to follow tips & strategies to help widows avoid financial mistakes, and ease into making the important financial decisions that inevitably loom after their husband dies. Written in English, not financese, this book delivers impartial advice with a wit that penetrates most widow's I can't do this thing called money protective shields. Practical, down-to-earth examples educate widows on things they may not know (yet need to know) about finances. The author combines Grief Coaching skills with concrete guidance about how to select a Certified Financial Planner(r). She cheerleads her reader into re-creating her life with small yet powerful action steps forward. Any widow who seeks education about money in plain English, wishes to avoid making costly mistakes, and wants effective coaching tips and strategies to move through her fears and to make tough decisions will be a great candidate for Debra's empowering advice in this book. |
| financial planning for widows: The Widow's Financial Survival Guide Nancy Dunnan, 2003 Housing; insurance; spousal benefits; estate planning and more. |
| financial planning for widows: Financial Strategies for Today's Widow David Latko, 2007-11-01 A successful financial counselor with twenty-five years' experience empowers widows to manage their finances and attain lifelong security In many cases, losing a husband also means losing a financial partner. Suddenly, a widow is faced with essential decisions that she must consider single-handedly. With Financial Strategies for Today's Widow, David W. Latko, whose financial seminars have been attended by more than ten thousand people, answers every question a widow may have -- whether she is old, young, or in between -- and guides her out of any money problem. His advice is matter-of-fact, yet reassuring and uniquely tailored to every step of a widow's financial life including how to: • Understand the choices that come with reorganizing one's finances • Make sure there will always be enough • Know what your assets are and how to access them • Choose the right insurance • Choose a financial advisor User-friendly and replete with real-life stories of those who have benefited from the advice Latko offers here, Financial Strategies for Today's Widow takes readers through potential pitfalls and problems and lays out specific strategies for handling common economic hurdles. |
| financial planning for widows: Your Next Chapter Alexandra Armstrong, Mary R. Donahue, 2020-04-08 Your Next Chapter: A Woman's Guide To A Successful Retirement You are on the threshold of Your Next Chapter. Hopefully, it will be an exciting and satisfying one. This book will help you navigate the unfamiliar waters on both an emotional and financial level. Written by women for women, Your Next Chapter focuses on the issues you need to address so you can have a sustainable and rewarding future. YOUR NEXT CHAPTER provides important information to help you make the necessary decisions you now face. To illustrate these concerns, the authors present detailed scenarios of four hypothetical women in various situations in different geographic locations as they approach retirement. Among the topics examined: - What retirement means for you - How you should revise your investment and estate plans - How your emotional and physical health will be impacted by retirement - Why your planning should be flexible and adaptable as your needs and desires change |
| financial planning for widows: Ernst & Young's Personal Financial Planning Guide Ernst & Young LLP, Martin Nissenbaum, Barbara J. Raasch, Charles L. Ratner, 2004-10-06 If you want to take control of your financial future and unlock thedoors to financial success, you must have a plan that will allowyou to find good investments, reduce taxes, beat inflation, andproperly manage money. Whether you're new to financial planning or a seasoned veteran,this updated edition of Ernst & Young's Personal FinancialPlanning Guide provides valuable information and techniques you canuse to create and implement a consistent personalized financialplan. It also takes into consideration the new tax rules thataffect home ownership, saving for college, estate planning, andmany other aspects of your financial life. Filled with in-depth insight and financial planning advice, thisunique guide can help you: * Set goals * Build wealth * Manage your finances * Protect your assets * Plan your estate and investments It will also show you how to maintain a financial plan inconjunction with life events such as: * Getting married * Raising a family * Starting your own business * Aging parents * Planning for retirement Financial planning is a never-ending process, and with Ernst &Young's Personal Financial Planning Guide, you'll learn how totailor a plan to help you improve all aspects of your financiallife. |
| financial planning for widows: How to Make Your Money Last - Completely Updated for Planning Today Jane Bryant Quinn, 2020-01-07 NOW COMPLETELY UPDATED to reflect the changes in tax legislation, health insurance, and the new investment realities. In this “highly valuable resource” (Publishers Weekly, starred review) Quinn “provides simple, straightforward” (The New York Times) solutions to the universal retirement dilemma—how to make your limited savings last for life—covering mortgages, social security, income investing, annuities, and more! Will you run out of money in your older age? That’s the biggest worry for people newly retired or planning to retire. Fortunately, you don’t have to plan in the dark. Jane Bryant Quinn tells you how to squeeze a higher income from all your assets—including your social security account (get every dollar you’re entitled to), a pension (discover whether a lump sum or a lifetime monthly income will pay you more), your home equity (sell, rent, or take a reverse mortgage?), savings (how to use them safely to raise your monthly income), retirement accounts (invest the money for growth in ways that let you sleep at night), and—critically—how much of your savings you can afford to spend every year without running out. There are easy ways to figure all this out. Who knew? Quinn also shows you how to evaluate your real risks. If you stick with super-safe investment choices, your money might not last and your lifestyle might erode. The same might be true if you rely on traditional income investments. Quinn rethinks the meaning of “income investing,” by combining reliable cash flow during the early years of your retirement with low-risk growth investments, to provide extra money for your later years. Odds are, you’ll live longer than you might imagine, meaning that your savings will stretch for many more years than you might have planned for. With the help of this book, you can turn those retirement funds into a “homemade” paycheck that will last for life. |
| financial planning for widows: Safety-First Retirement Planning Wade Donald Pfau, 2019-10 Two fundamentally different philosophies for retirement income planning, which I call probability-based and safety-first, diverge on the critical issue of where a retirement plan is best served: in the risk/reward trade-offs of a diversified and aggressive investment portfolio that relies primarily on the stock market, or in the contractual protections of insurance products that integrate the power of risk pooling and actuarial science alongside investments. The probability-based approach is generally better understood by the public. It advocates using an aggressive investment portfolio with a large allocation to stocks to meet retirement goals. My earlier book How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Strategies provides an extensive investigation of probability-based approaches. But this investments-only attitude is not the optimal way to build a retirement income plan. There are pitfalls in retirement that we are less familiar with during the accumulation years. The nature of risk changes. Longevity risk is the possibility of living longer than planned, which could mean not having resources to maintain the retiree's standard of living. And once retirement distributions begin, market downturns in the early years can disproportionately harm retirement sustainability. This is sequence-of-returns risk, and it acts to amplify the impacts of market volatility in retirement. Traditional wealth management is not equipped to handle these new risks in a fulfilling way. More assets are required to cover spending goals over a possibly costly retirement triggered by a long life and poor market returns. And yet, there is no assurance that assets will be sufficient. For retirees who are worried about outliving their wealth, probability-based strategies can become excessively conservative and stressful. This book focuses on the other option: safety-first retirement planning. Safety-first advocates support a more bifurcated approach to building retirement income plans that integrates insurance with investments, providing lifetime income protections to cover spending. With risk pooling through insurance, retirees effectively pay an insurance premium that will provide a benefit to support spending in otherwise costly retirements that could deplete an unprotected investment portfolio. Insurance companies can pool sequence and longevity risks across a large base of retirees, much like a traditional defined-benefit company pension plan or Social Security, allowing for retirement spending that is more closely aligned with averages. When bonds are replaced with insurance-based risk pooling assets, retirees can improve the odds of meeting their spending goals while also supporting more legacy at the end of life, especially in the event of a longer-than-average retirement. We walk through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate them. We also examine the potential for whole life insurance to contribute to a retirement income plan. When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safety-first advocates support more efficient retirement outcomes. Safety-first retirement planning helps to meet financial goals with less worry. This book explains how to evaluate different insurance options and implement these solutions into an integrated retirement plan. |
| financial planning for widows: Financial Therapy Bradley T. Klontz, Sonya L. Britt, Kristy L. Archuleta, 2014-09-10 Money-related stress dates as far back as concepts of money itself. Formerly it may have waxed and waned in tune with the economy, but today more individuals are experiencing financial mental anguish and self-destructive behavior regardless of bull or bear markets, recessions or boom periods. From a fringe area of psychology, financial therapy has emerged to meet increasingly salient concerns. Financial Therapy is the first full-length guide to the field, bridging theory, practical methods, and a growing cross-disciplinary evidence base to create a framework for improving this crucial aspect of clients' lives. Its contributors identify money-based disorders such as compulsive buying, financial hoarding, and workaholism, and analyze typical early experiences and the resulting mental constructs (money scripts) that drive toxic relationships with money. Clearly relating financial stability to larger therapeutic goals, therapists from varied perspectives offer practical tools for assessment and intervention, advise on cultural and ethical considerations, and provide instructive case studies. A diverse palette of research-based and practice-based models meets monetary mental health issues with well-known treatment approaches, among them: Cognitive-behavioral and solution-focused therapies. Collaborative relationship models. Experiential approaches. Psychodynamic financial therapy. Feminist and humanistic approaches. Stages of change and motivational interviewing in financial therapy. A text that serves to introduce and define the field as well as plan for its future, Financial Therapy is an important investment for professionals in psychotherapy and counseling, family therapy, financial planning, and social policy. |
| financial planning for widows: The Not Just a Widow Guidebook Patricia Desiderio, Douglas Robinson, 2020-11-04 Your husband died. Guess what? His death was just the beginning. This guidebook charts a path through the first two years (or so) of your journey. This is the worst experience of your life (probably). You don't have to figure everything out on your own. Written by a widow specifically for other widows - she's already walked that mile. Co-authored by a financial advisor who actually works with widows on a constant basis. This guidebook opens your eyes to the unique experiences of widowhood. It lets you know what questions to ask, what to be aware of, what needs to get done and when.Our guidebook reinforces the idea that you are woman with her own identity above and beyond being a widow. You are not just a widow. It will take time to redefine yourself. We think our guidebook can help you get there a little quicker with less stress. Welcome to the club no one wants to be a member of - the sisterhood of widows. The least we can do is try to make a tough time a little easier. |
| financial planning for widows: Widow To Widow Genevieve Davis Ginsburg, 2007-04-03 From a widow and therapist, a guide to life after losing a husband, with reflections on grief and practical advice In this remarkably useful guide, widow, author, and therapist Genevieve Davis Ginsburg offers fellow widows -- as well as their family and friends -- sage advice for coping with the loss of a husband. From learning to travel and eat alone to creating new routines to surviving the holidays and anniversaries that reopen emotional wounds, Ginsburg give guidance on: Dealing with anger and guiltMaintaining family relationshipsDating after widowhoodHandling moneyResponding to others' supportAnd more Widow to Widow walks readers through the challenges of widowhood and encourages them on their path to building a new life. |
| financial planning for widows: Widows Waiting to Wed? Michael J. Brien, 2001 |
| financial planning for widows: The Hot Young Widows Club Nora McInerny, 2019-04-30 From the host of the popular podcast, Terrible, Thanks for Asking, comes a wise, humorous roadmap and caring resource for anyone going through the loss of a loved one—or even a difficult life moment. In the span of a few weeks, thirty-something Nora McInerny had a miscarriage, lost her father to cancer, and lost her husband due to a brain tumor. Her life fell apart. What Nora discovered during this dark time is that, when you’re in these hard moments, it can feel impossible to feel like even a shadow of the person you once were. People will give you all sorts of advice of how to hold onto your sanity and sense of self. But how exactly? How do you find that person again? Welcome to The Hot Young Widows Club, Nora’s response to the toughest questions about life’s biggest struggles. The Hot Young Widows Club isn’t just for people who have lost a spouse, but an essential tool for anyone who has gone through a major life struggle. Based on her own experiences and those of the listeners dedicated to her podcast, Terrible, Thanks for Asking, Nora offers wise, heartfelt, and often humorous advice to anyone navigating a painful period in their lives. Full of practical guidance, Nora also reminds us that it’s still okay to laugh, despite your deep grief. She explores how readers can educate the people around them on what to do, what to say, and how to best to lend their support. Ultimately, this book is a space for people to recognize that they aren’t alone, and to learn how to get through life’s hardest moments with grace and humor, and even hope. |
| financial planning for widows: When Your Spouse Dies Cathleen L. Curry, 1990 This book deals with a variety of practical concerns for those who have lost their mates to death, including stages of grief for adults and children, mourning, loneliness, sexuality, networks of support, financial priorities and planning, good health practices, and healing. |
| financial planning for widows: Get What's Yours Laurence J. Kotlikoff, Philip Moeller, Paul Solman, 2015-02-17 Learn the secrets to maximizing your Social Security benefits and earn up to thousands of dollars more each year with expert advice that you can't get anywhere else. Want to know how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits? You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but Kotlikoff, Moeller, and Solman explain Social Security benefits in an easy to understand and user-friendly style. What you don't know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost some individual retirees tens of thousands of dollars in lost income every year. How many retirees or those nearing retirement know about such Social Security options as file and suspend (apply for benefits and then don't take them)? Or start stop start (start benefits, stop them, then re-start them)? Or-just as important-when and how to use these techniques? Get What's Yours covers the most frequent benefit scenarios faced by married retired couples, by divorced retirees, by widows and widowers, among others. It explains what to do if you're a retired parent of dependent children, disabled, or an eligible beneficiary who continues to work, and how to plan wisely before retirement. It addresses the tax consequences of your choices, as well as the financial implications for other investments. Many personal finance books briefly address Social Security, but none offers the thorough, authoritative, yet conversational analysis found here. You've paid all your working life for these benefits. Now, get what's yours. |
| financial planning for widows: Widow's Might Kim Knight, 2016-08-01 What happens when your husband dies unexpectedly in the prime of your life and marriage? In Widow’s Might, Kim Knight shares her experience when her husband suddenly and unexpectedly died at fifty-six years old. In one day, Kim went from planning her future with her best friend to planning a funeral, searching for passwords to online accounts, trying to return to normal when things were no longer normal, and finding God in the middle of trauma and grief. Widow’s Might is for young or middle-aged widows and those who love them. The book helps those who’ve experienced a tragic loss to better understand the confusing and unpredictable path of grief as well as the challenges and promise of new growth. Learning to embrace a life different from the one you imagined isn’t something you’re going to master by the end of year one, when your family and friends think you should, or when you hope you might. You can deeply embrace and honor your marriage to your late spouse and still find contentment, happiness, and maybe even love in the days ahead. Widow’s Might will give you the strength and wisdom to discover new life on the other side of death. Look toward what God has in store for you. And—every once in a while—spend the day in your pajamas and eat popcorn for dinner. It’s okay. |
| financial planning for widows: On Your Own Alexandra Armstrong, Mary R. Donahue, 2006-09 This book's combination of sound financial planning advice and psychological therapy can help widows and widowers in all situations take charge of their lives and forge ahead. The resource is filled with such practical strategies as selecting a retirement home, choosing the best insurance, and using a living trust to secure an estate. |
| financial planning for widows: From Here to Financial Happiness Jonathan Clements, 2018-09-05 Just 77 days to a happier, more prosperous life! From Here to Financial Happiness is the day-by-day guide for anyone dreaming of a better life. Whether you’re dealing with debt, uncertain about retirement or simply want to get a grip on your finances, this book can put you on the road to happiness with a simple 11-week journey. Just 5-10 minutes a day to think about money, your habits, your goals, and your dreams. What steps can you take today to get your finances on track? What bad habits, bad investments, and misconceptions should you let go of? This book is packed with 77 days’ worth of real, actionable guidance for getting your money right—for good. It’s not an investment scheme, not extreme couponing, not something else to add to your daily to-do list. Instead, it’s about changing you—and the way you handle and think about money—so you can start building the life of your dreams. The next 11 weeks will be a revelation: Some days you’ll learn about finance, other days you’ll learn about yourself. Many days, you will be given a concrete list of things to do—right at that moment—to start steering your financial situation onto the right path. Learn how to stack the financial odds in your favor Amass savings for retirement, the children’s college or that next financial emergency Change your perspective on money and its role in your life Get your financial house in order—and keep it that way A better life is possible. You do have the power to change things for the better. From Here to Financial Happiness is your personal roadmap to financial freedom. |
| financial planning for widows: Sudden Money Susan Bradley, Mary Martin, 2000-04-20 From inheritances and divorce and insurance settlements to retirement payouts and the most recent phenomenon of stock options, the largest transfer of wealth in the history of America is now taking place. For some, this welcome event is relatively stress-free. But for those who are inexperienced in dealing with large sums of money, a windfall can be an overwhelming, even losing, situation. What is the difference between those who build on their financial gains and those who end up worse off than before? In this much-needed, one-of-a-kind book, top financial planner Susan Bradley gets to the heart of the matter by examining the emotional complexity of the windfall experience and how to manage it-and your newfound money-successfully. Whatever the sum involved, the impact of one's emotional state on the way money is handled--or mishandled--cannot be underestimated. In addition to the legal intricacies of receiving sudden money, the element of surprise that catches people unprepared also often leaves them there. Here, at last, is a type of owner's manual to sudden money that demystifies the process for recipients and their financial planners. Based on her work with countless clients, many of whose stories appear in this book, Bradley has developed a step-by-step program for moving safely through the three phases of building a solid financial foundation: Preparation and Planning Investing Monitoring, Giving, and Sharing Giving individual attention to each possible windfall event, Bradley addresses their distinct tax consequences, insurance and estate planning considerations, as well as the crucial emotional component. She also shares advice on how to put together the proper team of advisors, including an attorney and a therapist. When correctly handled, an unexpected windfall can provide expected benefits that will continue far beyond the lifetime of the initial recipient---and turn sudden money into lasting wealth. Turn Sudden Money into Lasting Wealth Maximize your wealth and minimize your stress and confusion with this unique, indispensable guide to handling a sudden financial windfall. Written by nationally recognized financial planner Susan Bradley, Sudden Money provides a complete program for successfully managing newfound wealth. Discover ways to: Stay calm and not make decisions based on your emotions Seek experienced, professional advice Avoid pressure from others Create and execute the best financial plan for you Most important, Sudden Money provides you with easy-to-implement, proven ways to ensure that your financial gains are more than fleeting good fortune. A 'must read' for financial advisors and for clients who have received financial windfalls. Susan Bradley has detailed--in an easy-to-apply way--a new financial planning discipline that is sure to become a vital part of discussions about the burgeoning wealth in this country. —Ronni Burns, Wall Street consultant This book is essential for anyone who receives a financial windfall. It's an easy read and packed with useful advice. —Don Phillips, CEO, Morningstar Reading this book is like having a trusted friend explain what to expect, what to do, and what not to do at a happy time that can also be overwhelming and stressful. This book has been extraordinarily helpful to me. —Marci Shimoff, coauthor, Chicken Soup for the Soul Women in particular are often ill prepared to manage a financial windfall. Without careful planning, it could turn into a pitfall. Susan Bradley's book is a sensible guide on how to handle instant wealth. —Jennifer Openshaw, CEO, WFN.com, Financial Network for Women |
| financial planning for widows: Money Confidence Kerry Hannon, 2017-10-31 The loss of a spouse or partner is traumatic and having to deal with money issues can be challenging. To rebuild your life, you need to get a grip on your finances as quickly as possible. That means figuring out your sources of income, devising a budget, and much more. Making the effort to learn about money will give you the knowledge and confidence to handle your own finances. Financial security is personal freedom. Money Confidence provides practical, can-do advice that covers the gamut from creating a budget that works to investing, where to turn for financial advice and estate planning. In addition, it will include a short tutorial on Kerry’s 3-part financial fitness plan: How to get financially, physically, and spiritually fit. These three steps are at the core of building a rich, independent life. Money Confidence provides divorced or widowed women with essential information that can transform their lives. This book should be viewed as a survival kit to help you protect the assets you have, pay the bills, organize your income, and help you navigate the grief with positive action steps through difficult transitions. |
| financial planning for widows: Money Magic Laurence Kotlikoff, 2022-01-04 Increase your spending power, enhance your standard of living, and achieve financial independence with this “must-read” guide to money management (Jane Bryant Quinn). Laurence Kotlikoff, one of our nation’s premier personal finance experts and coauthor of the New York Times bestseller Get What’s Yours: The Secrets to Maxing Out Your Social Security, harnesses the power of economics and advanced computation to deliver a host of spellbinding but simple money magic tricks that will transform your financial future.Each trick shares a basic ingredient for financial savvy based on economic common sense, not Wall Street snake oil. Money Magic offers a clear path to a richer, happier, and safer financial life. Whether you’re making education, career, marriage, lifestyle, housing, investment, retirement, or Social Security decisions, Kotlikoff provides a clear framework for readers of all ages and income levels to learn tricks like: How to choose a career to maximize your lifetime earnings (hint: you may want to consider picking up a plunger instead of a stethoscope). How to buy a superior education on the cheap and graduate debt-free. Why it’s smarter to cash out your IRA to pay off your mortgage. Why delaying retirement for two years can reap dividends and how to lower your average lifetime tax bracket. Money Magic’s most powerful act is transforming your financial thinking, explaining not just what to do, but why to do it. Get ready to discover the economics approach to financial planning—the fruit of a century’s worth of research by thousands of cloistered economic wizards whose now-accessible collective findings turn conventional financial advice on its head. Kotlikoff uses his soft heart, hard nose, dry wit, and flashing wand to cast a powerful spell, leaving you eager to accomplish what you formerly dreaded: financial planning. |
| financial planning for widows: No Longer Awkward Amy Florian, 2014 |
| financial planning for widows: Saturday Night Widows Becky Aikman, 2013-12-31 In this transcendent and infectiously wise memoir, Becky Aikman—a widow, too young, too modern to accept the role—forms an unlikely group with five other young widows, each seeking a way forward in a strange and disquieting world. A warm, witty, and compassionate guide on this journey, Aikman explores surprising new discoveries about how people are transformed by adversity, learning the value of new experiences, humor, and friendship. The Saturday Night Widows band together to bring these ideas to life, striking out on ever more far-flung adventures and navigating the universal perils of finding love and meaning. Theirs is a transporting true story of six marriages, six heartbreaks, and one shared beginning—an inspiring testament to what friends can achieve when they hold each other up. Saturday Night Widows is the rare book that will make you laugh, think, and remind yourself that despite the utter unpredictability and occasional tragedy of life, it is also precious, fragile, and often more joyous than we recognize. Now with Extra Libris material, including a reader’s guide and bonus content |
| financial planning for widows: From One Widow to Another Miriam Neff, 2009-01-01 Widow is one title women do not want to have. Yet, according to the Surgeon General’s office, 800,000 people become widows or widowers every year in the United States alone. Every aspect of a widow’s existence changes—like it or not, ready or not. These changes add to the emotional roller coaster that most women experience after losing their husband. Miriam Neff understands the ride. As she struggled to understand and accept her new role after her husband’s death, she recognized the need for women to hear from others about their experiences and what helped them transition to this new stage of life. From One Widow to Another offers practical advice for those facing the loss of a spouse. Drawing from her own loss, Neff walks with the reader through practical issues to a sense of encouragement. |
| financial planning for widows: Never Too Old to Get Rich Kerry E. Hannon, 2019-06-25 Start a successful business mid-life When you think of someone launching a start-up, the image of a twenty-something techie probably springs to mind. However, Gen Xers and Baby Boomers are just as likely to start businesses and reinvent themselves later in life. Never Too Old to Get Rich is an exciting roadmap for anyone age 50+ looking to be their own boss and launch their dream business. This book provides up-to-date resources and guidance for launching a business when you're 50+. There are snappy profiles of more than a dozen successful older entrepreneurs, describing their inspirational journeys launching businesses and nonprofits, followed by Q&A conversations, and pull-out boxes containing action steps. The author walks you through her three-part fitness program: guidelines for becoming financially fit, physically fit, and spiritually fit, before delving more deeply into how would-be entrepreneurs over 50 can succeed. • Describes how you can find capital to start your own business • Offers encouraging stories of real people who have become their own bosses and succeeded as entrepreneurs • Written by PBS Next Avenue’s entrepreneur expert, Kerry Hannon • Teaches you how to start your own business Never Too Old to Get Rich is the ideal book for older readers looking to pursue new business ventures later in life. |
| financial planning for widows: Dating a Widower Abel Keogh, 2020-01-29 Dating a widower comes with unique challenges that you won’t encounter when dating a single or divorced man. For the relationship to work, the widower will have to put his feelings for his late wife to the side and focus on you. But how do you know if he’s ready to take this step? Drawing on his own experience as a remarried widower, Abel Keogh provides unique insight and guidance into the hearts and minds of widowers, including: · Why widowers date so soon after their late wife dies · How to know if the widower is ready to make room in his heart for you · Red flags that indicate widowers aren’t ready for commitment · How to set and maintain healthy relationship boundaries with widowers Dating a Widower is your guide to having a successful relationship with a man who’s starting over. It also contains 21 real-life stories from women who have gone down the same road you’re traveling. It’s the perfect book to help you decide if the man you’re seeing is ready for a new relationship—and whether dating a widower is right for you. *** Abel Keogh is the expert on widower relationships. A remarried widower, Abel has successfully helped thousands of women know if the widowers they’re dating are ready for a serious relationship. He also helps widowers understand what it takes to overcome grief and open their heart to another woman. Learn more at http://www.abelkeogh.com. |
| financial planning for widows: A Widow's Business Liz Swiertz Newman, 2015-07-28 A WIDOW'S BUSINESS brings order to the many things a new widow has to handle-from organizing tasks in their order of importance to gathering the information needed to dealing with finances. The book also contains a simple overview of taxes, probate, and legal documents. In addition, a handy section helps a new widow prepare instructions for her future executors, to make their tasks easier. After the death of her husband, Liz Swiertz Newman had been overwhelmed by the amount of business there was to tend to. She looked for a book to help her know what to do and when to do it. She began making to-do lists, and when she contemplated the 15 pages of lists, she realized that she had begun to write the book that she needed-that widows need. A WIDOW'S BUSINESS: A Practical Guide Through the First Year after the Death of a Spouse, resulted from the organization of her lists and the inclusion of the kind of information other widows might need. Items covered in the first chapter address what is required immediately upon the death of one's spouse, including whom to notify. The second chapter begins with information needed and where to get help. Also discussed are composing an obituary notice and planning a memorial service. The third chapter helps a new widow get organized at home to cope with the incoming paperwork and other items. The fourth chapter addresses money-what to expect, where to apply for assistance, and how to set up accounts. The author explains that help is at hand through a widow's team of human resources-her CPA, her trust attorney if she has one, her banker or Certified Financial Planner, and others. She gives an overview of taxes, trusts, wills, and probate. This chapter ends with a review of scams, the fraudulent schemes that attempt to cheat people out of their money. The fifth chapter outlines the rest of the tasks required of a widow, from the next most in importance to those that can wait a while. The sixth and final chapter makes recommendations as to what a widow can do to plan ahead, including a section on how to draw up instructions for a future executor and how to organize a list of bequests. The lists are connected with brief narratives about the author's own experiences. Ideally, all couples should read A WIDOW'S BUSINESS before they ever have a need for it. Besides being indispensable to a new widow or widower, the information is good to know and good for sharing with others. |
| financial planning for widows: Before You Remarry H. Norman Wright, 1999-08-01 Norman Wright’s bestselling Before You Remarry has a dynamic new cover and has been updated to appeal to today’s couples. Drawing from the latest findings on adjustments in second marriages, well-known marriage and family counselor H. Norman Wright shares steps couples can take to make their marriages fulfilling and successful. Before You Remarry helps readers— make sure they’re ready for a new marriage discover the essentials for successful remarriages openly communicate personal and family needs establish realistic expectations for roles, responsibilities, and decision-making handle common problems in remarriage: past and present in-laws, merged families, money, sexual issues Through this insightful workbook, couples will explore major remarriage issues, develop open communication, and affirm their decision to remarry. An ideal resource book for ministers, counselors, couples’ study groups, and individual couples. |
| financial planning for widows: Suddenly Single Kerry Hannon, 1998-04-17 Suddenly Single is one of several books recommended as a valuable resource for handling investments, taxes and legal impediments if you don't fit the definition of a nuclear family. |
| financial planning for widows: The Charles Schwab Guide to Finances After Fifty Carrie Schwab-Pomerantz, Joanne Cuthbertson, 2014-04-01 Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should. |
| financial planning for widows: What's the Deal with Social Security for Women Marcia Mantell, 2019 Drawing on the author's expertise and the personal Social Security stories of real women, this book opens the door on how Social Security works for women regardless of your life's journey. It's for you if you're married, divorced, widowed, or single and will take some of the mystery out of this complex yet critical income source. |
| financial planning for widows: The White Coat Investor James M. Dahle, 2014-01 Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a Backdoor Roth IRA and Stealth IRA to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place. - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research. - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books This book should be in every career counselor's office and delivered with every medical degree. - Rick Van Ness, Author of Common Sense Investing The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk. - Joe Jones, DO Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis. - Dennis Bethel, MD An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust. - Greg E Wilde, M.D Scroll up, click the buy button, and get started today! |
| financial planning for widows: Widower to Widower Fred Colby, 2021-07-15 If you or a close friend are now or about to become a widower, this book can help you. The physical, emotional, and psychological pain will be greater than you can imagine. A widower may think that he is going crazy, his judgement is often distorted, and his social filters can be almost nonexistent. Nights often become sleepless delusional times from which there is no escape. Widower to Widower is written to provide widowers with desperately needed help during their grieving process. It is also a resource to therapists who assist widowers, to friends and family who want to better understand what he is going through, and to women who have befriended a widower. Colby's own experience made him desperate to find answers so he could avoid making bad life choices. He quickly found that resources for widowers were minimal and often of questionable value. This led him to write Widower to Widower. He drew upon thirty years of writing experience writing during his non-profit career. REVIEWS: Fred Colby's book, Widower to Widower, shares his experiences as he navigates the grief process following the death of his wife. With a straight-forward voice and clear writing style, Fred provides insight from his personal journey to provide education, understanding and comfort to other men who are grieving. This book is an essential tool for grief counselors as well as their male clients. Mia Towbin, MS, LMFT - Grief Counselor. For any man who has suffered, either recently or not so recently, the death of his beloved wife, Fred Colby's book is essential reading. As a fellow widower, I give this book my highest recommendation. Robert Devereaux, Widower, Writer, Actor Hundreds of widowers have offered their praise of Widower to Widower on Fred Colby's Testimonies/Reviews page at fredcolby.com. |
| financial planning for widows: Values-based Financial Planning Bill Bachrach, 2000 Whether you're already well-to-do or just beginning to build a nest egg, this book will help you to make smart financial choices based on what's important to you ... |
| financial planning for widows: The Widow's Journal Carrie P. Freeman, Ph.d., Phd Carrie P. Freeman, 2015-11-30 Losing a spouse or romantic life partner causes a special kind of heartbreak, loneliness, and disappointment. Your plans for your life have irrevocably changed. Because everyone mourns differently, guided journal writing is a useful tool for navigating the phases of grief in a personalized, private way. The Widow's Journal is written in a frank yet hopeful style by lifelong journaler Carrie P. Freeman, PhD, a communication professor, who set out to write the kind of book she could have used when, just prior to her thirtieth birthday, she lost her own husband to cancer. Unlike other bereavement books, The Widow's Journal doesn't tell you what to do, it isn't a memoir or collection of other people's stories, and it isn't limited to any particular spiritual outlook. Instead it provides over one hundred guiding questions (from the practical to the profound) that you can use to progress through the grieving process, culminating in a collection of your most useful insights for reflection. Freeman's thoughtful questions prompt you to reflect on your feelings, but more importantly, provide a gentle path toward productively coping with intense grief while making plans to build a meaningful new life. This journal works like a guided diary or workbook, with beautifully decorated pages on which to write and/or color. It is designed to be a useful, caring gift for those whose husband, wife, or life partner has died within the last year. The author's book website is www.thewidowsjournal.com |
| financial planning for widows: On Your Own Alexandra Armstrong, Mary R. Donahue, 2000 This book's combination of sound financial planning advice and psychological therapy can help widows and widowers in all situations take charge of their lives and forge ahead. The resource is filled with such practical strategies as selecting a retirement home, choosing the best insurance, and using a living trust to secure an estate. |
| financial planning for widows: Social Security, Medicare, and Pensions J. L. Matthews, Dorothy Matthews Berman, 1999 Covers retirement, disability, survivor and health care benefits. |
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