Capital B Advisory
You lost your spouse
They handled the money and now you are. There's no rush, and no such thing as a dumb question here.
First
Most financial
decisions don't
need to be made
today.
If someone is pressuring you to make a financial decision right now, ask what specific deadline requires it. Many decisions can wait.
Grief is not a good state for irreversible decisions. Some things genuinely do have deadlines — usually administrative ones like notifying institutions, claiming benefits, or filings tied to the estate — and those are worth identifying early so you know what's real. Investment choices rarely fall into that category.
If your spouse handled the money entirely, you're not behind. You're where most people in this position start.
When you're ready
What the first
conversation covers.
What exists, and where
Often the whole first conversation. Accounts, policies, pensions, benefits. Just building the list is progress.
What's already yours
Beneficiary designations often move assets to you automatically, outside of a will. Knowing what has already transferred matters.
Income going forward
Survivor benefits, pensions, and what changes about Social Security. This is usually the question underneath the worry.
Then, eventually, the rest
Whether the investments still fit, whether anything should change. Later. There is no prize for doing this quickly.
How this works here
Slow, and
in plain
English.
You'll never be handed a document full of terms and expected to nod along. If I use a word you don't know, stop me — explaining it is the job, not an interruption.
You'll also never be pushed toward ongoing management. Plenty of people in this position need one conversation and a written summary, and that's a complete engagement.
Hourly advice is $125 with a one-hour minimum. A full written plan is $485, one time. There's no minimum balance either way.
Coordinate with an estate attorney or accountant on anything involving the estate itself — Capital B doesn't provide legal or tax services. See what everything costs.
Next step
Twenty minutes.
No cost.
Nothing to prepare and nothing to bring. If I'm not the right fit, I'll tell you on the call.