[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fErHSrCx0V_ze18eUpWclqFjhdRUXXB3fasFpMWs8Qjo":3},{"data":4,"headers":617},{"brand":5,"route":6,"title":7,"seo":8,"components":17,"pageMeta":445,"dataSources":458},"holiday","\u002Fretirement-guide\u002Ffinancial-planning-for-seniors\u002Fhow-do-i-adjust-my-post-retirement-financial-plans-after-my-spouse-dies","How Do I Adjust My Post-Retirement Financial Plans After My Spouse Dies?",{"_uid":9,"title":10,"ogType":11,"robots":12,"schema":13,"ogTitle":10,"ogLocale":14,"component":15,"description":16,"twitterCard":12,"ogDescription":16,"geo.position":12,"geo.placename":12,"geo.region":12},"ef22cd5d-107b-4b53-b22e-072d53186b87","Death of a Spouse Financial Checklist | Holiday by Atria","website","","{\n  \"@context\": \"https:\u002F\u002Fschema.org\",\n  \"@type\": \"BlogPosting\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\u002F\u002Fholidayseniorliving.com\u002Fretirement-guide\u002Ffinancial-planning-for-seniors\u002Fhow-do-i-adjust-my-post-retirement-financial-plans-after-my-spouse-dies\"\n  },\n  \"headline\": \"How Do I Adjust My Post-Retirement Financial Plans After My Spouse Dies?\",\n  \"description\": \"Not sure what to do after losing a spouse who took care of the finances? Find out here.\",\n  \"image\": \"https:\u002F\u002Fatriaseniorliving.temp513.kinsta.cloud\u002Fholiday\u002Fwp-content\u002Fuploads\u002Fsites\u002F7\u002F2024\u002F02\u002FRetirement_Plan_Adjustment_16x9.jpg\",  \n  \"author\": {\n    \"@type\": \"\",\n    \"name\": \"\"\n  },  \n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"\"\n    }\n  },\n  \"datePublished\": \"2024-02-29\"\n}","en_US","seo-fields","An in-depth guide for retired adults on how to reorganize financial plans, optimize benefits and build a new future following the death of a spouse.",[18,222,271,275,293,305,311,323,357,390],{"componentName":19,"props":20},"BrandNavigation",{"facCtaText":21,"keyMarkets":22,"companyLogo":114,"facLocation":122,"brandNavLinks":123,"topOffset":203,"facPlaceholder":204,"companyNavLinks":205,"findCommunityCopy":221},"Search 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Community",{"componentName":223,"props":224},"ExitIntentModal",{"copy":225,"image":226,"title":229,"newTab":230,"ctaIcon":12,"ctaLink":12,"ctaText":231,"titleTag":232,"htmlBlock":12,"isDarkMode":230,"titleStyle":233,"ctaButtonRole":234,"emailHelpText":235,"textColorRole":236,"emailErrorText":237,"offerSelection":238,"idleSeconds":239,"slide_one_title":240,"slide_two_title":241,"titleStyleLevel":242,"emailSignUpLabel":243,"slide_four_title":244,"mousePosition":245,"notInterestedCopy":246,"slide_one_ctaText":247,"slide_three_title":248,"slide_two_ctaText":247,"slide_four_ctaText":249,"slide_one_preamble":250,"slide_two_preamble":12,"smtFormCommunityId":12,"backgroundColorRole":251,"emailSuccessMessage":252,"exitIntentDelay":253,"slide_three_ctaText":247,"slide_one_date_label":254,"slide_one_time_label":255,"slide_three_preamble":256,"slide_three_email_label":257,"slide_three_phone_label":258,"slide_one_date_errorText":259,"slide_one_time_errorText":260,"slide_two_lastName_label":261,"slide_four_successMessage":262,"slide_one_date_helperText":263,"slide_one_time_helperText":12,"slide_two_firstName_label":264,"slide_three_phone_optional":121,"slide_three_email_errorText":265,"slide_three_phone_errorText":266,"slide_three_email_helperText":267,"slide_three_phone_helperText":267,"slide_two_lastName_errorText":268,"slide_four_successMessageCopy":269,"slide_two_firstName_errorText":270,"slide_two_lastName_helperText":267,"slide_two_firstName_helperText":267},"Receive senior living resources, event invites and more!",{"id":227,"alt":227,"name":12,"focus":227,"title":227,"source":12,"filename":12,"copyright":227,"fieldtype":119,"meta_data":228,"description":12},null,{},"Sign up for our newsletter",true,"Submit","h4","4","utility","*Required","white","Must enter a valid email address","emailSignUp",120,"Schedule A Tour","First and Last Name","3","Email*","Your Tour is Scheduled!",10,"No thanks, I'm not interested","Next","Confirm Your Tour","Close","Who is scheduling this tour?","secondary","You are successfully subscribed! Look for your first email in your inbox soon!",30,"Choose a date","Choose a time","We'll contact you with your tour details.","Email Address","Phone Number","Please select a date","Please select a time","Last Name","A community manager will be in touch with you shortly.","Don't worry, you can change this later.","First Name","Please enter a valid email address.","Please enter your 10-digit phone number.","* Required Field","Last Name is required.","We've sent you a confirmation e-mail. If you have questions or want to make changes to your request, give us a call at ","First Name is required.",{"componentName":272,"props":273},"ContentHubArticleHero",{"topLine":121,"className":12,"topMargin":121,"bottomLine":121,"topPadding":121,"componentId":12,"bottomMargin":230,"allowMaxWidth":121,"bottomPadding":121,"lastUpdatedCopy":274,"extraContainerClassName":12},"Last Updated",{"componentName":276,"props":277},"PromoBanner",{"copy":278,"image":279,"title":285,"newTab":121,"ctaLink":286,"ctaText":287,"topLine":121,"subtitle":12,"titleTag":288,"className":12,"topMargin":121,"bottomLine":121,"supertitle":12,"topPadding":121,"componentId":12,"bottomMargin":121,"ctaColorRole":234,"allowMaxWidth":121,"bottomPadding":230,"fallbackImage":289,"textColorRole":236,"titleStyleLevel":291,"backgroundColorRole":292,"supertitleColorRole":234,"ctaIsOnDarkBackground":230,"extraContainerClassName":12},"Check out our financial guide to senior living — a comprehensive resource for those looking for answers on how to afford senior living and what to expect.",{"id":280,"alt":281,"name":12,"focus":12,"title":12,"source":282,"filename":283,"copyright":12,"fieldtype":119,"meta_data":284,"is_external_url":121,"description":12},892413,"Senior resident working on laptop","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F667x500\u002Fd8510fa38a\u002Fseniorwomanonlaptop.png","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F667x500\u002Fd8510fa38a\u002Fseniorwomanonlaptop.png",{"alt":281,"title":12,"source":12,"copyright":12},"Interested in more financial tips?","\u002Fretirement-guide\u002Ffinancial-planning-for-seniors\u002Ffinancial-guide","Check out the guide","h2",{"id":280,"alt":281,"name":12,"focus":12,"title":12,"source":282,"filename":283,"copyright":12,"fieldtype":119,"meta_data":290,"is_external_url":121,"description":12},{"alt":281,"title":12,"source":12,"copyright":12},"2","primary",{"componentName":294,"props":295},"ContentHubArticleBody",{"topLine":121,"className":12,"topMargin":121,"bottomLine":121,"topPadding":121,"componentId":12,"bottomMargin":230,"cardLinkText":296,"nextPostCopy":297,"allowMaxWidth":121,"bottomPadding":121,"articleContent":298,"watchVideoCopy":299,"emailSignupCopy":300,"readArticleCopy":296,"nextPostHeaderTag":288,"emailSignUpCtaText":301,"recommendationCopy":302,"emailSignUpSuccessTitle":303,"extraContainerClassName":12,"recommendationHeaderTag":288,"nextPostHeaderStyleLevel":291,"emailSignUpSuccessMessage":304,"recommendationHeaderStyleLevel":291},"Read the article","Up next","\u003Cp class=\"copy copy--is-font-secondary\">Few life events are as challenging as the death of a spouse. The grief, sorrow and emotional fallout can be devastating, and the surviving spouse may find themselves facing a future that looks very different than the one they planned for.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">This can be especially true when it comes to your financial situation. When the time comes to adjust your retirement finances following the death of a spouse, it’s important to thoroughly examine all of your options and plan accordingly.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">In many cases, the surviving spouse may find that their income and benefits have changed due to their partner’s passing in ways they may not have prepared for.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">“Ideally, both spouses should be involved in making a financial plan as early as possible,” says Colin Wheeler, a partner and Certified Financial Planner™ (CFP) at \u003Ca href=\"https:\u002F\u002Fceritypartners.com\u002F\" target=\"_blank\" rel=\"noopener\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">Cerity Partners\u003C\u002Fa>. “But it does often happen that the spouse who passed away was also the one who handled all the finances. It can be extremely overwhelming for the surviving spouse to suddenly have to put together all the different pieces of their financial picture.”\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">For this reason, Wheeler emphasizes the importance of working with a certified financial planner to help organize your finances and make a plan for the future. For example, a surviving spouse may not be aware of every investment their partner might have made. But a CFP can pull tax returns and look for any dividends being paid out, which then helps them track down the deceased spouse’s investment accounts.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">“Finding all this information can sometimes be a scavenger hunt,” Wheeler says. “So having a certified financial planner or other fiduciary they can trust can be very helpful when it comes to making sense of cash flow streams and building a new financial plan for the future.”\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Whether the surviving spouse is working out their finances on their own or with a CFP, it can help make the task more manageable to break down the process into three steps, which we’ll examine in detail below.\u003C\u002Fp>\n\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall spacing--is-pt-small\">Step One: Understand your cash flow\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">According to Wheeler, the first step is to make sure you thoroughly understand the cash flow available to you. What money is coming in and what expenses are going out on a month-to-month or year-to-year basis? What sources of income are fixed, like Social Security and pensions? What portfolio distributions are available from 401ks, IRAs and other investments?\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">This can be a complicated process to manage, especially if the deceased spouse handled most of the finances for the household, so it might help to focus on the following four tasks one at a time.\u003C\u002Fp>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-3 spacing--is-mb-xsmall spacing--is-pt-small\">Gather all the paperwork\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">One of the first things you’ll want to do is \u003Ca href=\"https:\u002F\u002Ffirstbusiness.bank\u002Fresource-center\u002Forganizing-your-finances-after-your-spouse-has-died\u002F\" target=\"_blank\" rel=\"noopener\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">find and organize as many financial records as possible\u003C\u002Fa>, including bank account and credit card statements, stock portfolios, and outstanding mortgages and loans. Once you get a sense of what your total shared assets are, you can start estimating what your month-to-month income and expenses will look like going forward.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">You’ll also want to locate any documents that might be necessary to apply for certain benefits, such as your spouse’s birth certificate, death certificate, life insurance policy and your marriage certificate.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Next, you’ll want to see which of your spouse’s existing benefits you’re eligible for and how they affect your income. It’s good to be proactive about these benefits as soon as possible, as many of them don’t go into effect automatically.\u003C\u002Fp>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-3 spacing--is-mb-xsmall spacing--is-pt-small\">Social Security survivor benefits\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">When both spouses were receiving monthly Social Security benefits but the deceased spouse’s benefit rate was higher, the surviving spouse should immediately be eligible to receive the higher monthly amount in place of their own. This means that claiming spousal Social Security benefits may result in you receiving a higher monthly payment amount. However, be prepared for there to still be an overall decrease in household income since the Social Security Administration (SSA) will no longer be paying you your former monthly benefits.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">A surviving spouse who doesn’t yet qualify for monthly Social Security benefits may still qualify for some form of survivor benefits if they are 60 or older at the time of their spouse’s death, or 50 and older with a disability. Remarriage should not affect eligibility for survivor benefits.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">In addition, a one-time lump-sum payment of $255 may be paid to the spouse of the deceased if they were living with the deceased. If the spouse was living apart but receiving certain Social Security benefits on the deceased’s record, they may also be eligible for this payment.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">You can report a spouse’s death and apply for SSA survivor benefits by calling the Social Security Administration at 1-800-772-1213 (TTY 1-800-325-0778) Monday through Friday between 8 am and 7 pm local time, or by contacting \u003Ca href=\"https:\u002F\u002Fsecure.ssa.gov\u002FICON\u002Fmain.jsp\" target=\"_blank\" rel=\"noopener\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">your local Social Security office\u003C\u002Fa>. Social Security survivor benefits cannot be applied for online.\u003C\u002Fp>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-3 spacing--is-mb-xsmall spacing--is-pt-small\">Pension benefits\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Unlike Social Security, pension benefits for survivors vary depending on the level of survivorship elected when the pension began. This means that your income level may slightly or drastically change following the death of the pensioner.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Most standard pensions pay out a default 50% to survivors, but if the pensioner elected a higher or lower percentage, the survivor’s benefits would be locked into that. Much like insurance plans, pension survivorship rates are usually difficult or impossible to change after the initial selection is made.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">If you aren’t sure about the details of your spouse’s pension plan, you or your certified financial planner should contact the pension manager directly.\u003C\u002Fp>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-3 spacing--is-mb-xsmall spacing--is-pt-small\">Portfolios and investments\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">The death of a spouse can impact your existing investments and perhaps offer the opportunity to make new ones. For example, if your spouse had a 401(k), you would \u003Ca href=\"https:\u002F\u002Fwww.fidelity.com\u002Flearning-center\u002Fsmart-money\u002Fwhat-happens-to-401k-when-you-die#:~:text=If%20you%20do%20not%20designate,receive%20it%20in%20your%20will.\" target=\"_blank\" rel=\"noopener\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">automatically inherit some or all of it\u003C\u002Fa> unless your spouse specified otherwise in their plan.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">If your overall income goes up or down due to the death of a spouse, you may want to adjust the amount you take out of your portfolio each month. You may also inherit some of your spouse’s IRA or other assets, which can lead to a reconfiguration of your own investments. Similarly, if you choose to liquidate some of your inherited assets – for example, a car or second home – you may want to invest the money in a portfolio that can help sustain your retirement expenses.\u003C\u002Fp>\n\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall spacing--is-pt-small\">Step Two: Make a plan for the future\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Once you have a clear understanding of your cash flow, you can start making projections for \u003Ca href=\"\u002Fretirement-guide\u002Ffinancial-planning-for-seniors\u002Ffinancial-planning-for-retirement\" target=\"_blank\" rel=\"noopener\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">your financial future\u003C\u002Fa>. Just remember, everyone’s retirement plan will look different depending on their needs, priorities and personal situation.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">When estimating a budget for your future spending, it’s better to err on the conservative side. This way any disruptions down the road like decreased income or an unforeseen emergency expense can be afforded more easily. You want to avoid ending up in a situation where you’ve spent too much of your savings too soon.\u003C\u002Fp>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-3 spacing--is-mb-xsmall spacing--is-pt-small\">Prioritize your expenses\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">When building a financial plan, it’s important to attend to your most essential needs first. Housing costs, monthly bills, medications and other recurring expenses will need to be covered on a regular basis.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">After these priorities are accounted for, your financial plan will depend largely on your lifestyle. For example, someone who wants to travel more might be taking more money out of their retirement funds on a monthly basis than someone who prioritizes leaving a larger inheritance to their children or grandchildren.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">“The classic question is, ‘How much money do I need for retirement?’” Wheeler says. “And my answer is, ‘it depends on how much you want to spend.’\"\u003C\u002Fp>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-3 spacing--is-mb-xsmall spacing--is-pt-small\">Factor in longevity\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Age and general health are key factors in accurately estimating your future financial needs. If you’re making a new financial plan at age 70, your budget and expenses will likely look very different than if you’re making a new financial plan at age 90.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">A longer retirement requires more savings, and can also mean new medical and assisted living costs may develop down the road. The projected length of your retirement will have an impact on what kinds of funds you invest in and what percentage of the principal you’ll want to take out each year.\u003C\u002Fp>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-3 spacing--is-mb-xsmall spacing--is-pt-small\">Update your estate planning\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">It’s advisable to \u003Ca href=\"\u002Fretirement-guide\u002Ffinancial-planning-for-seniors\u002Festate-planning-for-seniors\" target=\"_blank\" rel=\"noopener\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">revisit your estate planning\u003C\u002Fa> following the death of a spouse, especially if it’s been a decade or more since you’ve updated it. While it can be difficult to imagine the world going on without you, making sure you have the right arrangements in place can make things easier for your surviving family members.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Start by taking note of any changes in your assets, liabilities or preferred beneficiaries. Make sure you’ve completed any desired modifications to your will and appointed an executor. From there, you can decide whether to hire an attorney to help you finalize the paperwork or \u003Ca href=\"https:\u002F\u002Fmoney.com\u002Fbest-online-will\u002F\" target=\"_blank\" rel=\"noopener\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">use an online service\u003C\u002Fa> to do it yourself.\u003C\u002Fp>\n\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall spacing--is-pt-small\">Step Three: Stress test your plan\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Once you’ve made a financial plan that fits your needs, it’s time to evaluate how effective and resilient your plan will be over time. Remember that a plan is not a guarantee, so you’ll want to try to anticipate as many complications or weak spots as you can to have as smooth an outcome as possible.\u003C\u002Fp>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-3 spacing--is-mb-xsmall spacing--is-pt-small\">Consider the variables\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Retirement plans aren’t made in a vacuum. Changes in your income, market fluctuations, inflation and unforeseen emergencies can all complicate your financial outlook. You’ll want to examine some hypothetical scenarios that let you see how they’ll affect your financial forecast.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">How badly would a market crash damage your investments? What \u003Ca href=\"https:\u002F\u002Fwww.investopedia.com\u002Fterms\u002Fl\u002Fliquidasset.asp\" target=\"_blank\" rel=\"noopener\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">liquid assets\u003C\u002Fa> are available to you if your investments take a hit? If you were to move to assisted living earlier than anticipated, how would this affect your cash flow?\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">The more “what-ifs” you consider, the more you can incorporate these insights to build a solid and durable financial plan.\u003C\u002Fp>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-3 spacing--is-mb-xsmall spacing--is-pt-small\">Be prepared to adapt\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Flexibility is important to any retirement plan, as your financial needs may change over time. If significant changes occur to your cash flow, health, or retirement goals, it might make sense to revisit and revise your financial planning.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">“People’s lives are dynamic, so it’s important to not carve your retirement plans in stone,” says Seth Newby, a Certified Financial Planner at Cerity Partners. “People’s wishes and requirements change over time, so you’ll want to be able to update your financial plan to reflect your current situation.”\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Stress testing your plan to account for these changes can help you understand which aspects can be adapted to new situations and which aspects are relatively inflexible. It can be helpful to consult with experts about new changes that may arise over time, such as changes in tax laws or market conditions.\u003C\u002Fp>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-3 spacing--is-mb-xsmall spacing--is-pt-small\">Run simulations of your plan\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Finally, you’ll want to run some simulations to see how your retirement plan might play out over time. A certified financial planner can be especially helpful when it comes to evaluating simulations, but you can also do it yourself using retirement simulation software programs like \u003Ca href=\"https:\u002F\u002Fincomewize.com\u002F\" target=\"_blank\" rel=\"noopener\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">IncomeWize\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fwww.empower.com\u002Fpersonal-investors\u002Fproducts-advice\" target=\"_blank\" rel=\"noopener\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">Empower\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Once you’ve optimized your financial plan to account for the simulated scenarios, you should have peace of mind knowing that you’ve constructed a realistic and resilient budget for the rest of your retirement.\u003C\u002Fp>\n\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall spacing--is-pt-small\">Building a new future\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">The death of a spouse is a life-changing event. Adjusting to this new reality brings a number of emotional and practical challenges that can seem overwhelming. Taking a proactive approach to modifying your finances soon after a spouse’s passing can help ensure that you’ll still have the resources and security you need going forward. The future may be different than you imagined, but with the right financial planning, \u003Ca href=\"\u002Fretirement-guide\u002Fsenior-health-and-wellness\u002Faging-and-mental-health-tips-and-resources-for-older-adults\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">it can still be a fulfilling one\u003C\u002Fa>.\u003C\u002Fp>","Watch the video","Want to learn more about life at Holiday?","Sign Up","You might also like","Thank you for subscribing!","You'll receive an email shortly. You can unsubscribe anytime.",{"componentName":306,"props":307},"ContentHubFeaturedContent",{"postId":308,"ctaLink":309,"ctaText":296,"topLine":121,"className":12,"bottomLine":121,"topPadding":121,"componentId":12,"bottomMargin":121,"allowMaxWidth":121,"bottomPadding":121,"hasImageOnLeft":230,"optionalCategory":310,"extraContainerClassName":12},"ae4e5590-c867-4ef0-81c0-edcfb9e00faf","\u002Fretirement-guide\u002Ffinancial-planning-for-seniors\u002F10-ways-seniors-can-prevent-identity-theft-and-other-internet-fraud","financial-planning",{"componentName":312,"props":313},"ContentHubArticleCardList",{"posts":314,"title":319,"isSmall":230,"postTag":12,"topLine":121,"category":12,"listType":320,"titleTag":288,"className":12,"topMargin":121,"bottomLine":121,"topPadding":121,"componentId":12,"signUpTitle":12,"specialCard":321,"bottomMargin":230,"facCardTitle":12,"allowMaxWidth":121,"bottomPadding":121,"signUpCtaText":12,"enableLoadMore":121,"facCardCtaLink":12,"facCardCtaText":12,"watchVideoCopy":299,"loadMoreCtaText":12,"readArticleCopy":296,"titleStyleLevel":233,"visiblePosts":322,"videoGalleryTitle":199,"articleCardLinkText":296,"signUpThankYouTitle":12,"signUpThankYouMessage":12,"extraContainerClassName":12},[315,316,317,318],"ed282157-69b7-469b-a240-995000d4d04e","8f6d7c7e-0d18-46a4-8f7e-8edd35a5dabf","75720ff8-b7cf-4086-8471-d9e99e48e08d","794029a5-ba2a-4309-80c9-441f7b23283d","Top Articles","selected","none",4,{"componentName":324,"props":325},"HolidayNavFooter",{"topLine":121,"className":12,"bottomLine":121,"keyMarkets":326,"topPadding":121,"componentId":12,"signUpTitle":355,"bottomMargin":230,"allowMaxWidth":121,"bottomPadding":121,"thankYouTitle":303,"keyMarketTitle":356,"signUpTitleTag":288,"thankYouMessage":304,"thankYouTitleTag":288,"keyMarketTitleTag":288,"signUpTitleStyleLevel":242,"extraContainerClassName":12,"thankYouTitleStyleLevel":242,"keyMarketTitleStyleLevel":291},[327,328,329,330,331,332,333,334,335,336,337,338,339,340,341,342,343,344,345,346,347,348,349,350,351,352,353,354],{"link":24,"text":25,"component":26},{"link":28,"text":29,"component":26},{"link":31,"text":32,"component":26},{"link":34,"text":35,"component":26},{"link":37,"text":38,"component":26},{"link":40,"text":41,"component":26},{"link":43,"text":44,"component":26},{"link":46,"text":47,"component":26},{"link":49,"text":50,"component":26},{"link":52,"text":53,"component":26},{"link":55,"text":56,"component":26},{"link":58,"text":59,"component":26},{"link":61,"text":62,"component":26},{"link":64,"text":65,"component":26},{"link":67,"text":68,"component":26},{"link":73,"text":74,"component":26},{"link":76,"text":77,"component":26},{"link":79,"text":80,"component":26},{"link":82,"text":83,"component":26},{"link":85,"text":86,"component":26},{"link":88,"text":89,"component":26},{"link":91,"text":92,"component":26},{"link":94,"text":95,"component":26},{"link":97,"text":98,"component":26},{"link":100,"text":101,"component":26},{"link":103,"text":104,"component":26},{"link":106,"text":107,"component":26},{"link":112,"text":113,"component":26},"Get the Latest News from Holiday","There's a Holiday Retirement Community Near You",{"componentName":358,"props":359},"HolidaySiteMapFooter",{"links":360,"topLine":121,"className":12,"bottomLine":121,"topPadding":121,"componentId":12,"bottomMargin":121,"allowMaxWidth":121,"bottomPadding":121,"extraContainerClassName":12},[361,369,380],{"link":125,"text":126,"children":362,"component":145},[363,364,365,366,367,368],{"link":125,"text":129,"component":26},{"link":131,"text":132,"component":26},{"link":134,"text":135,"component":26},{"link":137,"text":138,"component":26},{"link":140,"text":141,"component":26},{"link":143,"text":144,"component":26},{"link":147,"text":148,"children":370,"component":145},[371,372,373,374,375,376,377,378,379],{"link":147,"text":151,"component":26},{"link":153,"text":154,"component":26},{"link":156,"text":157,"component":26},{"link":159,"text":160,"component":26},{"link":162,"text":163,"component":26},{"link":165,"text":166,"component":26},{"link":168,"text":169,"component":26},{"link":171,"text":172,"component":26},{"link":174,"text":175,"component":26},{"link":177,"text":178,"children":381,"component":145},[382,383,384,385,386,387,388,389],{"link":177,"text":181,"component":26},{"link":183,"text":184,"component":26},{"link":186,"text":187,"component":26},{"link":189,"text":190,"component":26},{"link":192,"text":193,"component":26},{"link":195,"text":196,"component":26},{"link":198,"text":199,"component":26},{"link":201,"text":202,"component":26},{"componentName":391,"props":392},"HolidayLegalFooter",{"socials":393,"topLine":121,"topLinks":407,"brandLogo":414,"className":12,"bottomLine":121,"topPadding":121,"bottomLinks":421,"componentId":12,"bottomMargin":121,"allowMaxWidth":121,"bottomPadding":121,"accessibilityCopy":443,"accessibilityEmail":444,"extraContainerClassName":12},[394,399,403],{"icon":395,"link":396,"label":397,"component":398},"youtube","https:\u002F\u002Fwww.youtube.com\u002Fchannel\u002FUC923_-h1f5LmOmZ5iHRIvPQ?reload=9","Link to Holiday by Atria's YouTube","SocialIconLink",{"icon":400,"link":401,"label":402,"component":398},"facebookAlt","https:\u002F\u002Fwww.facebook.com\u002FHolidaybyAtria\u002F","Link to Holiday by Atria's Facebook Page",{"icon":404,"link":405,"label":406,"component":398},"instagram","https:\u002F\u002Fwww.instagram.com\u002Fholidayseniorliving\u002F","Link to Holiday by Atria's Instagram page.",[408,409,410,411,413],{"link":213,"text":214,"component":26},{"link":207,"text":208,"component":26},{"link":210,"text":211,"component":26},{"link":219,"text":412,"component":26},"News & Media",{"link":216,"text":217,"component":26},{"id":415,"alt":116,"name":416,"focus":12,"title":116,"source":417,"filename":418,"copyright":12,"fieldtype":119,"meta_data":419,"content_type":420,"is_external_url":121,"description":416},799860,"Holiday Logo","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1016293\u002F133x47\u002F0d36b752eb\u002Fbrand-logo-white.svg","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1016293\u002F133x47\u002F0d36b752eb\u002Fbrand-logo-white.svg",{"alt":116,"title":116,"source":12,"copyright":12},"svg",[422,425,428,431,434,437,440],{"link":423,"text":424,"component":26},"\u002Fterms-of-use","Terms of Use",{"link":426,"text":427,"component":26},"\u002Fprivacy-policy","Privacy Policy",{"link":429,"text":430,"component":26},"\u002Fatria-consumer-health-data-privacy-policy","Consumer Health Data Privacy Policy",{"link":432,"text":433,"component":26},"\u002Fcontact-policy","Contact Policy",{"link":435,"text":436,"component":26},"\u002Funsubscribe","Unsubscribe",{"link":438,"text":439,"component":26},"\u002Faccessibility","Accessibility",{"link":441,"text":442,"component":26},"\u002Faccommodations","Accommodations","If you are vision-impaired or have another impairment and you wish to discuss potential accommodations related to using this website, please contact us at ","accessibility@atriaseniorliving.com",{"blurb":446,"title":7,"category":310,"thumbnail":447,"displayDate":453,"pageSubtype":454,"youTubeVideoId":12,"timeToReadInMinutes":456,"storyblokUUID":457},"Not sure what to do after losing a spouse who took care of the finances? Find out here.",{"id":448,"alt":449,"name":12,"focus":12,"title":12,"source":450,"filename":451,"copyright":12,"fieldtype":119,"meta_data":452,"is_external_url":121,"description":12},898942,"Financial advisor helps and older female client with paperwork","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F1920x1080\u002F2caea96c5a\u002Fretirement_plan_adjustment_16x9.jpg","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F1920x1080\u002F2caea96c5a\u002Fretirement_plan_adjustment_16x9.jpg",{"alt":449,"title":12,"source":12,"copyright":12},"2024-02-29 23:59",[455],"content-hub","8 min read","d84e8150-13bb-42e4-a2d0-e3a05d2625c5",[459,463,467,471,475,479,483,487,491,495,499,503,507,511,515,518,521,524,527,530,534,537,540,543,546,549,552,556,559,562,566,569,572,575,578,581,584,587,590,593,596,599,602,606,609,613],{"id":460,"name":461,"value":462,"dimension_value":227},240775,"pricingCopy","Pricing starts 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