What to do when a loved one dies
Losing a spouse or another loved one is among the most difficult challenges any of us will face. Let us help you ease the shock and confusion by preparing you to handle your loved one's financial affairs.
When You Lose a Loved One
We understand how tough it can be to make decisions while mourning the loss of someone you love. That’s why we recommend that you and your loved ones take steps in advance to ensure your financial affairs are in order. We'll review your loved one's wishes to help you determine what is best for you and other family members or heirs.
Being Prepared
Ensure you fulfill the wishes of someone you love.
Who to Notify
- Your loved one’s employer
- The post office
- Banks and financial institutions
- Professionals such as attorneys, insurance agents, financial advisors and accountants
- Local Social Security office
Gather Documents
- Request multiple copies of a death certificate, usually through a funeral home or local municipality. Request at least ten copies for financial institutions, government agencies and insurance purposes.
- Locate the person’s will or trust documents, safety deposit box (if applicable), and all other financial documents including birth, marriage and divorce certificates, Social Security card, mortgages, loan documents, vehicle titles, insurance policies, credit cards, bank, investment and retirement accounts, and tax records.
- Make a list and gather invoices for regular expenses like utilities, phone, cable, internet and insurance.
- Determine whether there is a list of account passwords so that authorized users can gain access.
Have a plan in place
Creating a plan outlining your wishes can ease the burden for your surviving loved ones.
Draw up a will.
Prepare your advance directives.
Gather documents that detail all of your wishes well before you approach retirement age.
We can help you get there
Estate Planning
An estate plan identifies the right people to help make decisions for you in the case of incapacity or for others in the case of guardianship. It will also determine a trustee to execute your plan.
LEARN MORE about estate planning.
Establish Your Legacy
Determine what story you want your wealth to tell about you and your family. If your financial plan indicates that you have more than necessary for a lifetime of financial independence, your wealth can be used now to create your legacy.
LEARN MORE about family wealth planning.
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No matter what financial needs you may have, we're here for you. Our experienced advisors work closely with you to build the right path to help you achieve your goals.
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