『When You're Suddenly on Your Own: Financial Planning for Widows and Divorcees』のカバーアート

When You're Suddenly on Your Own: Financial Planning for Widows and Divorcees

When You're Suddenly on Your Own: Financial Planning for Widows and Divorcees

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Eight out of 10 women will manage their household finances alone at some point — through widowhood, divorce, or simply outliving their spouse. Most aren't prepared when it happens.In Season 2 of ClearPath Retirement Radio, Stewart Smith and Mitch Davies walk through what actually changes when a spouse is suddenly gone and what couples can do right now, before anything happens, to protect the person they love most.This episode covers:→ Why you should wait 12–18 months before making any major financial decisions after losing a spouse→ The one-to-two page document every couple should have, and almost none do→ Why expenses don't drop in half when a spouse passes (and what that means for your income plan)→ How your tax brackets, Social Security taxation, IRMAA thresholds, and capital gains strategy all change dramatically when you go from filing jointly to filing single→ Why Roth conversions while both spouses are still alive — and still filing jointly — may be one of the most underused planning moves available right now→ The divorce timing trap: why your marital status on December 31st determines your filing status for the entire year→ Survivor benefits at age 60 and the little-known strategy that lets you claim a survivor benefit early, let your own benefit grow, then switch later→ Ex-spouse survivor benefits: if you were married 10+ years and your ex passes away, you may be entitled to up to 100% of their benefit and they never even have to know→ Pension elections, beneficiary designations, titling, and why an outdated 401(k) beneficiary can override everything in your will→ What a QDRO is — and why a 60-year-old woman who never worked outside the home is not starting over with nothingStewart shares the story of his mother losing her spouse in her early 50s, and a client he's still in touch with more than 23 years later. This episode comes from 25 years of working with real SC families through some of their hardest seasons.If you or someone you love is navigating this — or if you want to make sure your spouse is protected before anything happens — this one is worth your time.🎙️ Subscribe on YouTube, Apple Podcasts, and Spotify — search ClearPath Retirement Radio📋 Start Your ClearPath Retirement Review → clearpathretirement.com/our-process00:00 — Welcome to Season 2 & New Studio 01:00 — Why This Topic Is Personal to Stewart 02:30 — The 8-in-10 Statistic 04:00 — How Tax Brackets Change When You Go from Married to Single 05:00 — What We Hear When Couples Come In Unprepared 07:00 — Rule #1: Don't Make Major Financial Decisions for 12–18 Months 08:30 — What the First Year Really Looks Like 12:00 — How to Document Your Financial Life for Your Spouse 17:00 — Automating Bills and Understanding Your Real Expenses 19:00 — Social Security: The Surviving Spouse Keeps the Larger Check 20:30 — Pension Elections: Life-Only vs. Survivor Benefit 23:30 — Divorce and the Urge to Start Over Immediately 26:00 — Survivor Benefits at Age 60 — and the Switch Strategy 30:00 — Ex-Spouse Survivor Benefits: The Most Overlooked Benefit in Retirement 32:00 — Mitch's Market Minute: Ceasefire, Oil Prices, Fed Chair, SpaceX IPO 37:00 — Tax Bracket Changes for Single Filers 38:00 — Roth Conversions While Still Filing Jointly 40:00 — The One Big Beautiful Bill and What It Means for Single Filers 41:00 — Divorce Timing and the December 31st Filing Trap 45:00 — Estate Planning, Trusts, and Getting Both Spouses in the Room 46:00 — Titling, Probate, and What Happens Without a Will in South Carolina 50:00 — Beneficiary Designations Override Your Will 53:00 — IRMAA, Capital Gains Thresholds, and the Full Tax Picture 56:00 — QDROs and Why Divorced Women Have More Rights Than They Think 58:00 — Closing Thoughts and CTASubscribe to YouTube ClearPath Retirement Planning Ready to build your retirement plan?ClearPath Retirement Planning helps retirees and pre-retirees in the Upstate SC and Columbia areas and Western NC create tax-efficient retirement income strategies. 📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615 📞 (864) 775-5033Schedule your ClearPath Retirement Review today www.clearpathretirement.com Subscribe & Connect: YouTube: @ClearPathRetirementPlanning Facebook: https://www.facebook.com/ClearPathRetirement LinkedIn: https://www.linkedin.com/company/clearpathretirementImportant Disclosure:Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. ...
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