Navigating finances in widowhood can feel impossible.
We make the process
less daunting.
What You’ll Gain With Financial
Planning in Widowhood with HTG
Why Hire a Financial Planner in Widowhood?
- Am I going to be okay financially?
- My spouse handled all the finances. Where do I start?
- Can I afford to stay in my home?
- How can I ensure my expenses are covered?
- Do I need to change my estate plan or update beneficiaries?
- Can I roll over my spouse’s retirement accounts?
- How will my tax bracket change as a widowed individual?
- How can I reduce the estate tax burden?
HTG Advisors provides clear answers and
ongoing support, giving you peace of mind that you have an advocate through the process.
Financial Planning Services for Widowed Individuals
We go beyond helping you settle the estate; we support long-term financial wellness and confident decision-making.
Our Engagement Process
Free Introductory
Call
Collaborative
Planning
Ongoing
Relationship
The paperwork and decisions can feel endless.
Let us lighten the load.
It’s okay if you don’t have it all figured out. We’ll ease the overwhelm, one step at a time.
What Our Clients Say
Success Story: Financial Planning for a New Widow
Compassion and guidance when you need it most.
You might feel like you’re drowning in decisions and uncertainties. Our team is here through every
step, addressing your concerns with empathy and unbiased advice.
Financial Planning in Widowhood FAQs
As a fee-only fiduciary, we do not receive commissions or fees from the sale of financial products. Our fees come exclusively from our clients, so you can count on us to be transparent and straightforward. All of our services, including financial planning, investment management, client meetings, performance reviews, portfolio reporting, tax reports, etc., are included in our fees, which are billed quarterly in arrears.
Our fees consist of a fixed fee of $3,000 per year plus an assets under management fee starting at 0.75% that declines at higher asset levels. While we don’t have strict minimums, our fees generally make sense for clients with at least $2 million in investable assets (excluding home equity and checking accounts). This allows us to provide the most value and makes the most financial sense for both parties.
As a fee-only fiduciary, we do not receive commissions or fees from the sale of financial products. Our fees come exclusively from our clients, so you can count on us to be transparent and straightforward. All of our services, including financial planning, investment management, client meetings, performance reviews, portfolio reporting, tax reports, etc., are included in our fees, which are billed quarterly in arrears.
Our fees consist of a fixed fee of $3,000 per year plus an assets under management fee starting at 0.75% that declines at higher asset levels. While we don’t have strict minimums, our fees generally make sense for clients with at least $2 million in investable assets (excluding home equity and checking accounts). This allows us to provide the most value and makes the most financial sense for both parties.
Attorneys are essential for estate coordination, but they are often focused on the legalities of estate documents and settlements. At HTG, we consider the entire picture, including taxes, investments, insurance, and long-term goals, all while providing the accessibility and compassion that you deserve during this process.
You’ll have regular check-ins, plus access to your advisory team as questions arise or life circumstances change.
Yes. We help you determine whether keeping the home is financially feasible long-term. We assess your new financial picture and will walk you through the decision making process.
- Acting too quickly on major decisions while still grieving
- Selling the home or making other irreversible choices before fully understanding the financial implications
- Missing critical deadlines, like Required Minimum Distributions or estate tax return deadlines
- Not considering the strategic disclaiming of inherited assets that could reduce future estate taxes
- Missing health insurance enrollment dates or not appealing Medicare IRMAA premiums
- Triggering unnecessary taxes by retitling accounts incorrectly or cashing out prematurely
- Being targeted by scammers or salespeople during a vulnerable time without a trusted financial partner
- Not updating their own estate plan to reflect new circumstances and goals
- Trying to manage complex financial decisions without professional support
At HTG, our goal is to help you avoid these mistakes and make informed decisions by providing unbiased and empathic guidance.
Yes. Our 30-minute introductory call is complimentary. It’s a chance to learn about your financial situation and share how we can help, without pressure or obligation.
Our services are offered as part of a comprehensive relationship. This allows us to provide coordinated investment management and planning support to give you the best long-term outcomes.
Yes. In fact, our clients are geographically dispersed across the country; fewer than half reside in Connecticut. We are accessible via telephone and video conference and regularly schedule trips to regions outside the NY Metro area.
Fee-only indicates that we only receive fees from our clients. We do not receive compensation from the sale of any financial products, so our advice is always in your best interest, not influenced by commissions.
As fiduciaries we are legally and ethically bound to act in our clients’ best interests.
A knowledgeable financial advisor aims to protect you from financial mistakes that could jeopardize your long-term goals. As fee-only fiduciaries, HTG advisors always act in your best interest, giving unbiased expertise and guidance for your specific needs. We’ve been implementing proven strategies for our clients since 1993.
The HTG Difference
- Credentialed & Specialized – Our collective credentials are rare for a firm of our size. We have advisors with varied backgrounds, specialties, and hands-on experience.
- Collaborative – Our culture fosters a highly collegial and interactive environment, which ultimately leads us to find the best solutions for you.
- Multi-generational – Our advisors span generations. As your new life unfolds and needs evolve, we have the staff and collective resources to grow with you.
- Personalized and Responsive – Our low client-to-advisor ratio allows us to thoroughly understand your financial goals and unique circumstances, ensuring that you receive tailored, timely attention.