Embedded Files
Losing my MOM
At 66 years old, my mother left this world.
She owned her home, which still had a mortgage, and lived by herself, keeping her financial affairs private.
She had four grown children, the youngest being 32 years old and the oldest 41 years old. When her children learned she had passed, no one knew what to do!
Calling the funeral homes, learning the process, and the costs associated with every quick decision that needed to be made. The private viewing, service, flowers, casket, burial, grave marker, permit, death certificates, mortgage payments, Electricity, Insurance, her dog expenses, and so much more. ....the costs continued to add up!
Where would the funds come from?
Who would pay for the costs?
My family found a life insurance policy & beneficiary, and we submitted a claim. Her life policy was paid out within days. The other accounts took weeks or months to get in touch with someone and complete the paperwork.
Lessons were learned. Although no one wants to say "see you later" to a loved one, please be sure to leave them with enough funds to say "see you later" the way they would want to.
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Divorce
It is a time—confusing, devastating, and sometimes unexpectedly fun.
Divorce brings change in ways you don't expect. Learning new routines, rediscovering your strength, and figuring out the future.
It’s also a time to take care of things that may have been put off for too long.
When you’re newly single, having the right support matters. Make sure you have someone to talk to—a therapist, a best friend, a supportive parent, or even your coach at the gym. These conversations can help you process the change and keep you grounded as you move forward.
Your attorney may also be one of your most important resources during this transition. They help ensure you follow through on your divorce agreement, new time-sharing schedules with children, and any required disbursements. Staying organized and informed now can prevent unnecessary stress later.
Life insurance is another critical piece that often gets overlooked. You may be required to carry life insurance or update your coverage amount as part of your divorce agreement. Even if it’s not required, it’s important to review your policy, confirm coverage levels, and update beneficiaries as needed. This step alone can make a meaningful difference for your family’s future. Get it done before it’s too late.
Divorce is also the right time to take a fresh look at your finances. Your income, expenses, and goals may look very different from what they did before. Creating a new financial plan helps you regain control and start planning for the future with clarity and confidence.
Finally, don’t forget to review your insurance coverage. Divorce often changes what—and who—you need to protect. This may be the right time to review, update, or purchase new insurance policies, including auto, home, renters, life, boat, and personal liability coverage. Making sure your protection aligns with your new lifestyle can provide stability during a time of uncertainty.
Divorce marks an ending, but it also creates space for a new beginning. Taking care of these practical details now allows you to move forward with intention, peace of mind, and a stronger foundation for what comes next.
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