Widow's Financial Guide
We understand this is an incredibly difficult time. These resources are here to help you navigate the financial aspects of loss at your own pace.
A gentle reminder: There's no timeline for grief. These guides are meant to help when you're ready. Ask trusted family members or friends to help with tasks that feel overwhelming. You don't have to do this alone.
If you've recently lost a spouse, your first financial steps should be: claim Social Security survivor benefits (up to 100% of your spouse's benefit), understand inherited IRA distribution rules, and avoid making major investment decisions for at least 6 months.
- Survivor benefits can be up to 100% of deceased spouse's benefit (SSA.gov)
- Inherited IRA RMD rules changed under the SECURE Act 2.0
- You have 60 days to decide on an inherited IRA rollover
20+ years in finance
Last updated: March 2026
Key Resources & Contacts
Social Security
Report death and claim survivor benefits
1-800-772-1213
VA Benefits
Survivor benefits for veterans' spouses
1-800-827-1000
Medicare
Health insurance questions and options
1-800-633-4227
Financial Guides
First Steps After Losing a Spouse: Financial Checklist
A compassionate guide to handling finances during an overwhelming time.
Social Security Survivor Benefits: Complete Guide
Everything widows and widowers need to know about claiming survivor benefits.
Divorced Spouse Social Security: Know Your Benefits
Your ex-spouse's Social Security could boost your retirement income.
You're Not Alone
Millions of people navigate these challenges every year. Taking things one step at a time is not just okay—it's wise. When you're ready, professional guidance can help protect your financial future.
Get Personalized GuidanceProtect Your Financial Future
Augusta Precious Metals provides compassionate guidance for protecting your retirement savings. No pressure, just helpful information when you're ready.
Sources & References
- Social Security Administration — Survivor Benefits— Accessed Mar 2026
- IRS — Retirement Plan and IRA Required Minimum Distributions FAQs— Accessed Mar 2026
- IRS — Publication 590-B: Distributions from IRAs— Accessed Mar 2026
Last verified: March 2026