Losing a spouse is emotional. Making financial decisions during that time? Even harder. In this important episode, Catherine and Rachel walk through what really happens to your income after loss — and the surprises many women don’t see coming.
From Social Security survivor benefits (and why you don’t get to keep both checks) to pension elections that can dramatically impact long-term income, timing matters more than most realize. They also unpack the “widow’s penalty” — how taxes can actually increase after a loss due to filing status changes, shrinking tax brackets, IRMAA Medicare surcharges, and required minimum distributions.
You’ll also learn:
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When survivor benefits can begin (and remarriage rules to watch)
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Why the first year after loss may offer unique tax planning opportunities
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How Roth conversions, capital gains harvesting, and step-up in basis strategies can help
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Key pension and life insurance considerations before and after loss
This is a compassionate but practical conversation about protecting income, reducing taxes, and creating confidence during life’s most difficult transition.
Grab the Widow Income Transition Checklist below a practical guide to help you think through income replacement, tax changes, and next steps with clarity.
Date Recorded: 02/19/26
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