Moving Forward with Clarity and Confidence
Navigating finances after the loss of a spouse can feel overwhelming. You don’t have to do it alone.
Losing a spouse changes everything.
As you navigate this deeply personal journey, financial decisions shouldn’t add more confusion or stress.
This free guide from Lyons Resources offers a calm, practical approach to helping you regain financial confidence—at your own pace.
- A checklist of essential financial tasks to complete
- Tips for working with beneficiaries, Social Security, and insurance
- Guidance on organizing your financial life
- Encouragement from someone who’s helped others like you
What Needs Attention Right Now
After losing a spouse, a handful of tasks are genuinely time-sensitive — and a lot more can wait. We start by sorting one from the other, so you’re never guessing which letter or phone call actually needs a response this week.
- Financial triage — separating urgent tasks from ones that can wait
- Account consolidation and retitling guidance
- Survivor Social Security benefit review
- Pension and annuity survivor option review
- Life insurance claim coordination
- Beneficiary verification across all accounts
- Estate document review alongside your attorney
- A clear picture of current income and expenses
This first phase carries no sales agenda. It’s about giving you a clear, accurate picture of where things stand.
Building Your Financial Future, When You’re Ready
There’s no deadline for this part. When you’re ready to look ahead, we help you build a plan for the life you have now — as a single household, with income, expenses, and priorities that may look different than before.
- Updated income and expense plan for a single household
- Portfolio review and consolidation
- A retirement income plan that fits your new circumstances
- Long-term care and insurance review
- Updated estate planning coordination with your attorney
- Updated beneficiary designations across every account
- An ongoing relationship — you’ll always talk to Tim
You Will Always Talk to Tim
Not a call center. Not a rotating team of advisors. Every call, every question, every follow-up — you’ll be talking with Tim, personally. For clients making financial decisions on their own for the first time, that consistency matters.
Common Questions From Surviving Spouses
What should I do first after my spouse passes away?
Start by separating the truly time-sensitive items — like insurance claims and benefit notifications — from everything else. We walk through this with you and build a simple, ordered checklist so nothing urgent gets missed and nothing gets rushed.
How does Social Security work for a surviving spouse?
Survivor benefits depend on your age, your spouse’s earnings record, and whether you’re still working. The Social Security Administration (ssa.gov) outlines the general rules, and we help you apply them to your specific situation.
Do I need to make big financial decisions right away?
No. Outside of a small number of time-sensitive tasks, most decisions can and should wait until you’ve had time to think clearly. We’ll tell you plainly which is which.
What if I don’t know where all the accounts and assets are?
This is common, and it’s the starting point for many of our conversations. We help you locate accounts, verify beneficiaries, and build a complete picture before deciding on next steps.
Is the first conversation really free?
Yes. The first conversation carries no cost and no obligation. It’s simply a chance to ask questions and understand where you stand.
There’s no rush. Whenever you’re ready, schedule a conversation or call or text Tim directly at 561-331-6226.
Securities and advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Lyons Resources and LPL Financial are separate entities.