When you're married, it's hard to think about your future without your spouse, especially when you are active, healthy and enjoying life. However, the reality is that one of you will die first. And, since women tend to live longer than men, it's usually the wife who is the widow. Aside from deep grief, widows often have profound fear about their financial survival. Few are prepared for the daunting financial challenges that lie ahead. We have guided many widows through this emotional time, helping them to make prudent decisions and establishing a financial plan for a future that is promising and bright.