Social Security provides a benefit for each partner in the marriage.  What many don't know is when a spouse dies, one of the Social Security benefits disappears.

Social Security income drops as much as 50% in some instances, but living expenses do not.

More often than not it is the surviving wife, who must manage that reduction — only the higher remains. That income loss is significant for the survivor.

Our planning process is making sure essential expenses remain covered even after the loss of one benefit — so the surviving spouse is not forced to reduce his or her lifestyle or be dependent on a volatile stock market for withdrawals to supply needed income. 

Financial security is a family project.