We can help you restore a measure of peace by simplifying complex financial, tax, and legal issues.

Get death certificates. 

Probate the estate by first finding the will and trust documents and identifying the decision-making executor. If no will or trust exists, refer to state law providing for lawful division of the estate. 

Transfer trusts to the beneficiary.

File claims for life insurance policies. 

Transfer vehicle titles. 

Change bank account ownership. 

Close credit card accounts. 

Notify the social security office. 

Cancel insurance policies.

Notify pension funds. 

Transfer retirement accounts to beneficiaries.

Identify and pay important bills. 

File final tax returns for individual and trust.

Rename property deeds.

The list is long, the worries don’t need to be.  Schedule a complimentary consultation for guidance on final affairs.

Prepare now for your financial life after the death of a loved one.

Be knowledgeable about your household finances.

Get legal documents in order. Create a “just in case of death” file with estate documents, wills, trust, and power of attorney etc. and make sure a trusted third party has access to it.

As part of your complimentary consultation, we can analyze all of the financial, tax, and legal changes that come with the loss of a loved one and provide you with a more secure, accurate outlook for your future.

File a death claim with your insurance company by submitting a certified copy of the death certificate. Most states allow 30 days for the insurer to review the claim, after which they can deny it, pay it out, or ask for more information. A claim rarely takes more than 60 days after death to be paid.

If the claim is straightforward, and the paperwork is in order, claims can be paid in about 10 to 14 days. Borrowing money from your policy, while living, may be tax free.

In your complimentary consultation, we’ll explain the process of filing life insurance claims and outline investment options to help secure your financial future.

If you’re at least 60 years old but not at social security’s definition of Full Retirement Age, you still qualify for 77% to 99% of your deceased spouse’s benefits as part of the social security’s survivor insurance program.

At the death of a loved one, pension benefits are generally paid out based on how you set up your pension at the time of origination. Income taxes are generally owed on any pension payments received.

During your complimentary consultation, we can help you make sure your social security and pension funds are notified to prevent repayment obligations, ensure you receive the largest payment from both, and limit any tax liability that may occur.

If a loved one dies without a will it means they have died “intestate” and your property will be distributed according to the laws of the state. This includes bank accounts, property, securities, real estate, and any other assets. 

In your complimentary consultation, we can check to ensure that your property deeds, vehicle titles, retirement and bank accounts, are transferred to the name of the beneficiaries.