Financial Guidance for Widows

The loss of a spouse can bring financial questions at an already difficult time. Immediate expenses, Social Security survivor benefits, retirement accounts, insurance, taxes, and estate matters may all require attention.

At Capital Wealth Management, we help widowed women in Connecticut and nationwide understand what needs attention now, what can wait, and how the different parts of their financial lives fit together.

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Financial Planning for Widows

Every woman’s financial situation after the loss of a spouse is different. We help you organize the decisions ahead, understand which matters may require attention first, and identify what can be addressed later.

Cash Flow and Immediate Expenses

Review income, regular expenses, and near-term financial needs.

Social Security Survivor Benefits

Understand available benefit options and when claiming decisions may arise.

Accounts and Asset Transfers

Organize accounts, insurance proceeds, and retirement account transfers.

Deadlines and Tax Considerations

Identify important dates and questions to review with your tax professional.

Estate and Beneficiary Updates

Coordinate account changes and estate document updates with the appropriate professionals.

Coordination With Other Professionals

Work alongside attorneys, accountants, and other professionals when appropriate.

You do not have to address every financial decision at once. We can help you identify what may need attention first and what can be considered as your circumstances become clearer.

Working With a Financial Advisor After the Loss of a Spouse

Kelsey Conklin, CFP®, CDFA®

Wealth & Business Advisor

Schedule a Call with Kelsey

At Capital Wealth Management, our Women & Wealth services for widows are led by Kelsey Conklin, CFP®, CDFA®. Kelsey helps women understand how the loss of a spouse may affect their finances and the decisions ahead.

Organizing your financial life: Kelsey helps bring together accounts, income, expenses, Social Security benefits, insurance, tax considerations, and estate planning considerations.

Planning your next steps: She helps you understand your options, determine what may need attention first, and consider how your retirement plan, investments, and other financial priorities may need to change.

As circumstances change and new questions arise, Kelsey provides ongoing guidance based on your needs and priorities. When you’re ready, schedule a complimentary introductory phone call to see whether working together feels like the right fit.

Planning Your Financial Life After Loss

After the immediate financial matters have been handled, different questions often come into focus. You may need to reconsider your income needs, retirement accounts, investments, spending, tax situation, and other financial priorities.

We help you look at these decisions together, understand the tradeoffs, and determine what may need to be adjusted. This may also involve revisiting choices that were once made jointly and deciding what now makes sense for you.