We've  worked with people who have lost their spouse and are concerned about their financial situation.  Some things to consider include:Income gap (loss of Social Security or pension that dies with spouse)Now a single filer instead of joint filer on taxesSpousal continuation option on pensionsLeaving the kids a tax time bombNot communicating your plans in advanceInaccurate beneficiary designationsKids that aren’t prepared to responsibly handle wealth that they inherit