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Financially Ever After Widowhood
Financially Ever After Widowhood episodes
- Using Trusts to Protect Your Legacy with Shamisa Zvoma
Is your money really going where you want it to when you’re gone, or are taxes, outdated documents, and lack of planning quietly deciding for you? In this episode, I sit down with CPA and estate planning expert Shamisa Zvoma to unpack the truths most people miss about trusts, gifting, tax strategy, and why estate planning isn’t just for the ultra-wealthy. We talk about control, protection, legacy, and the narrow window many families are overlooking right now that could cost them millions down the road.
You’ll hear us discuss:- Why trusts aren’t just for wealthy families and how they give you control long after you’re gone
- The biggest misconceptions people have about estate planning and taxes
- How trusts can protect assets from creditors, divorce, and poor timing
- Why giving money outright isn’t always the smartest move
- How lifetime gifting can dramatically reduce future estate taxes
- The annual gifting limits and how couples can maximize them
- How paying tuition or medical bills can reduce your estate without triggering gift taxes
- Why estate plans should be reviewed every 3–5 years (and after major life changes)
- Real-life examples of what goes wrong when plans aren’t updated
- How state estate taxes can create major surprises even when federal taxes don’t apply
Resources
Shamisa Zvoma on LinkedIn | Phone: 212-605-3182 | Email
Stacy Francis on LinkedIn | X(Twitter) | Email
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
32 min - Rebuilding Without a Map with Merritt Minnemeyer
How do you rebuild a life when everything you planned disappears overnight — and you’re suddenly responsible for three children, major financial decisions, and a future you never asked for? In this deeply moving conversation, Stacy sits down with Merritt Minnemeyer to talk about widowhood, intuition, money, and the quiet courage it takes to start again. Merritt shares her journey of losing her husband at a young age, navigating grief while finalizing an adoption, and learning to trust herself when it mattered most. This episode is about survival, reinvention, and the power of listening to that inner voice - even when the path forward feels terrifyingly unclear.
You’ll hear them discuss:
- What it’s really like to have your entire life plan collapse suddenly, and how grief, caregiving, and parenting don’t wait for each other
- Why crisis often leaves no space for planning and how survival mode can carry you further than you think
- The emotional moment when holding it all together finally becomes impossible, and why that release matters
- How life insurance and financial preparation became a lifeline, even when money had never been the focus
- What it feels like to become the sole financial decision-maker overnight, and the weight that carries
- Why trusting intuition - especially when choosing advisors and making big moves - can be more powerful than logic alone
- The long-term lessons about balancing big dreams with practical money management, and why building the right support team changes everything
Resources
Merritt Minnemeyer on the Web | LinkedIn
Stacy Francis on LinkedIn | X(Twitter) | Email
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
37 min - [Replay] Honoring Traditions and Making New Ones This Holiday Season with Jordan Schwartz Hendin
Cognitive Behavioral and Grief Coach Jordan Schwartz Hendin joins host Stacy Francis to discuss navigating the holidays after losing a spouse. Jordan draws from her personal experiences with grief, having lost her own mother at a young age and supporting her widowed grandmother through multiple losses. Now a professional coach, she works with women struggling with grief and major life transitions. In this week’s show, Jordan and Stacy explore handling loss and loneliness, honoring traditions, and staying financially sound.
- The holidays can bring up complex emotions such as sadness, anger, and loneliness. This is normal after a major loss.
- Avoid unhealthy coping strategies like becoming an “isolator” or “doer.” Don’t overcommit to events or hide away alone.
- Reflect on your core values. Focus on traditions that align with what matters most, like family time.
- Make new memories and experiences, especially with children. Gift experiences rather than material items.
- Have open conversations with family about your grief. Don’t pretend to be okay if you’re not.
- Manage your finances by focusing on your values, not material possessions. Stick to a budget for holiday gifts and activities.
- You don’t have to navigate the holidays alone. Seek support from family or a grief counselor during this difficult time.
Resources
Jordan Schwartz on Website | Instagram | Email | Phone: 917-947-6037
Stacy Francis on LinkedIn | X(Twitter)
Email: [email protected]
FrancisFinancial.com
Instantly get advice from our guide, Financial Help for Widows, a resource designed for supporting women who need to navigate finances after the loss of a partner.
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
39 min - Surviving the Healthcare Maze with Anne McGuire
Ever feel like the threat of medical bills and confusing insurance rules hangs over every healthcare decision? In this episode, Stacy sits down with healthcare advocate Anne McGuire to bring real clarity to the choices women face after losing a spouse, going through divorce, or suddenly finding themselves uninsured. Together, they break down the systems that feel impossible to navigate and give listeners the confidence to make smart, informed decisions about their coverage and long-term protection.
You'll hear them discuss:
- How losing a spouse, divorcing, or facing a sudden job loss can reshape insurance options overnight
- What COBRA actually offers, when it makes sense, and why the cost often shocks people
- The major differences between staying on COBRA and switching to marketplace insurance
- How Medicare fits into the picture for anyone 65+ experiencing an insurance transition and the deadlines that can’t be missed
- Why access to existing doctors can disappear with a plan change, and how to protect those relationships
- What long-term care really covers (and what it doesn’t), especially for women who may age alone
- How long-term care insurance pays out in real life and why it’s often misunderstood
- The financial reality of self-insuring long-term care needs versus buying coverage
Resources
Anne McGuire on the Healthcare Pathfinder | LinkedIn | Instagram | Facebook
Stacy Francis on LinkedIn | X(Twitter) | Email
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
40 min - Legacy Planning Series: Episode 3 – Planning Ahead with Clarity
If the people you love most suddenly had to take over your bills, subscriptions, and everyday logistics — would they know where to begin? In this episode of Financially Ever After Widowhood, Stacy and Natalie break down the most practical (and overlooked) section of the Because I Love You legacy planning guide - the checklist that makes sure nothing slips through the cracks. From credit cards to taxes, monthly bills to healthcare details, they cover how to organise your financial life so your family isn’t left guessing.
You’ll hear them discuss:
- Why it’s essential to list every credit card, where it’s held, and what’s on auto-pay
- How keeping recent tax returns and your accountant’s info can make estate paperwork so much easier
- What the “DSUE” actually means and why couples need to pay attention to it
- How to document monthly expenses and subscriptions so nothing goes unpaid or unnoticed
- The importance of maintaining an up-to-date contact list for key professionals and family members
- How to start creating an aging plan that reflects your healthcare needs and wishes
- Why discussing end-of-life preferences now spares loved ones confusion and conflict later
- How completing the Because I Love You legacy checklist today can give your family peace of mind tomorrow
Resources
As you listen to this podcast, you can click here to view slides and follow along visually: Legacy Planning Webinar 3
Because I Love You Planning Companion
Natalie Colley on FrancisFinancial.com | LinkedIn
Stacy Francis on LinkedIn |X(Twitter) | [email protected][email protected]
FrancisFinancial.com
See All Podcasts
25 min - Legacy Planning Series: Episode 2 – Insurance and Asset Essentials
Ever think about what would happen if your family suddenly had to figure out your insurance, bills, or assets - without you there to explain it? It’s not fun to imagine, but it’s one of the most loving things you can prepare for. In this episode of Financially Ever After Widowhood, Stacy and Natalie dive into the less-than-glamorous side of legacy planning: getting your insurance and financial details in order so no one’s left guessing in a crisis. Along the way, they share real-life stories, personal slip-ups (yes, including a lost engagement ring), and plenty of practical advice you can actually use.
You’ll hear them discuss:
- Why it’s not just about what happens after you’re gone, it’s also about being ready if you’re ever incapacitated
- How to make sure your health, property, and long-term care insurance are documented and paid up
- What COBRA really means when you leave a job or go through a divorce
- How long-term care policies work, and what details families often forget to track
- What your homeowners, auto, and umbrella insurance *really* cover (and what they don’t)
- The simple, yearly habit that keeps your assets and account info easy for loved ones to find
- A true story that shows exactly why all this planning matters
Resources
As you listen to this podcast, you can click here to view slides and follow along visually: Legacy Planning Webinar 2
Because I Love You Planning Companion
Natalie Colley on FrancisFinancial.com | LinkedIn
Stacy Francis on LinkedIn |X(Twitter) | [email protected][email protected]
FrancisFinancial.com
See All Podcasts
34 min - Legacy Planning Series: Episode 1 – Because I Love You Guide
What would happen if your ex-spouse were still listed as the beneficiary on your 401(k)? Or if your loved ones couldn’t access your accounts after you’re gone? These are the kinds of oversights that can cause chaos, but they’re also completely preventable with the right planning.
In this episode of Financially Ever After Widowhood, Stacy Francis and Natalie Colley break down the essentials of legacy planning - from passwords and beneficiaries to wills and the “Because I Love You” packet - all designed to make life easier for those you love most. It’s not just about money; it’s about leaving clarity, not confusion.
You’ll hear them discuss:
- Why beneficiaries always trump your will (and how that can lead to big surprises)
- The one thing you should check every year to avoid costly mistakes
- Simple ways to make sure your loved ones can access your accounts and avoid the nightmare of unclaimed assets
- How Social Security benefits really work for widows, ex-spouses, and remarried partners
- The overlooked workplace benefits that could be worth thousands - if your family knows they exist
- How to avoid the expensive, drawn-out probate process
Resources
As you listen to this podcast, you can click here to view slides and follow along visually: Legacy Planning Webinar 1
Because I Love You Planning Companion
Natalie Colley on FrancisFinancial.com | LinkedIn
Stacy Francis on LinkedIn |X(Twitter) | [email protected][email protected]
FrancisFinancial.com
See All Podcasts
32 min - The Truth About Trusts with Claire Steinman
Estate planning isn’t just for billionaires in New York penthouses or “trust fund babies” you’ve only seen in the movies. The truth is, whether you’re raising kids, caring for a loved one with special needs, or simply want to be sure your savings go exactly where you intend, estate planning touches almost everyone. In this episode of Financially Ever After Widowhood, attorney Claire Steinman joins Stacy to take the mystery (and the drama) out of wills, trusts, and gifting strategies. Claire focuses her practice on estate and tax planning, estate administration, and the nonprofit sector, with experience ranging from simple wills and powers of attorney to sophisticated tax minimization strategies and contested probate cases. She also works closely with charitable beneficiaries and not-for-profit organizations on everything from testamentary trusts to federal tax exemptions. Spoiler: this conversation has a lot more peace of mind and a lot less Agatha Christie mayhem.
You’ll hear them discuss:
- Why having even a simple will is essential for nearly everyone, not just the ultra-wealthy
- How trusts can help protect kids, support loved ones with special needs, and even shield assets from creditors or divorce
- The surprising flexibility you have in deciding when and how children inherit money
- Smart ways to gift assets during your lifetime, including the $19,000 annual exclusion and tuition or medical payments made directly
- How to choose the right trustee, from family members to professional institutions, and the pros and cons of each
- State-specific estate tax “gotchas” like New York’s infamous cliff tax and inheritance taxes in places like New Jersey and Pennsylvania
- Why blended families and second marriages absolutely need updated estate plans to avoid family fallout
Resources
Claire Steinman on the Web | LinkedIn | Email: [email protected] | Phone: 212-453-1554
Stacy Francis on LinkedIn | X(Twitter) | Email
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
39 min - What Widows Really Need When They Experience Loss with Amy Woody
What do you say to someone who’s just lost the love of their life? Is it better to stay quiet for fear of saying the wrong thing, or is silence actually the most painful response of all? In this deeply moving episode of Financially Ever After Widowhood, Stacy Francis sits down with Amy Woody, Director of the Widows Program at Stand in the Gap - and a widow herself - to talk about what real support looks like. Amy opens up about her own journey of losing her husband suddenly at 36, raising her young daughter, and discovering her calling to help other widows. Together, they explore the words and actions that truly matter when someone’s world has been turned upside down.
You’ll hear them discuss:
- Why saying something is always better than saying nothing, even if it’s simply “I’m so sorry”
- The harm of avoiding the “elephant in the room” and how acknowledging loss brings comfort
- Practical, concrete ways to help - from mowing the lawn to dropping off paper goods - that make a real difference
- The importance of building trust early so that widows feel safe enough to ask for support when they need it most
- How sharing memories and stories honors loved ones and helps keep their presence alive
- Amy’s life motto of using your hurt to help others and making beauty from ashes — and how it can change the way we face our own challenges
Resources
Amy Woody on the Stand In The Gap | Facebook | LinkedIn | Email: [email protected] | Phone number: 405-476-0165
Stacy Francis on LinkedIn | X(Twitter) | Email
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
40 min - Transforming from Financial Anxiety to Empowered Decision-Making After Loss with Emma Gray
What if the money that shows up after loss doesn’t feel like security, but like a cruel reminder of what you’ve lost? How do you turn something that feels heavy and unwanted into a source of hope, stability, and even love?
In this episode of Financially Ever After Widowhood, Stacy sits down with Emma Gray, a former probate attorney, military wife, widowed mother of two, and now grief coach and counselor. Emma shares her deeply personal story of navigating grief, identity, and finances after the loss of her husband, and how she ultimately reframed money not as a burden, but as his lasting legacy.
You’ll hear them discuss:
- How Emma, despite being a probate attorney, found herself completely unable to face the financial paperwork and money decisions in the months after her husband passed away- The emotional shock of grief and the surprising ways it shows up physically in the body, from exhaustion to the feeling of a “broken heart”- Emma’s identity crisis after leaving law, and the journey that led her from being a lawyer to building a new career as a counselor and grief coach- Why putting your own needs first is not selfish, but actually the only way to show up fully for your children, family, and everyone who depends on you- The powerful shift Emma experienced when she stopped seeing the insurance and pension payouts as a painful substitute for her husband, and instead began to view them as his legacy- The importance of creating both financial and emotional safety, and how ignoring one often makes it impossible to feel secure in the otherResources
Emma Gray on the Web | LinkedIn | Instagram | Rainbow Hunting Facebook | Rainbow Hunting Community - Facebook Group I Email: [email protected]
Free Sadmin Quiz - to assess how sorted your home/life admin is: https://rainbowhunting.kartra.com/survey/sadminquiz
Stacy Francis on LinkedIn | X(Twitter) | Email
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
44 min
About Financially Ever After Widowhood
From the publisher's feed
Widowhood is the state of being a widow or widower: a person whose spouse has passed away. This is a situation that no one wants to be in, but it is something that can happen, and that you and your family should be prepared for financially. When this kind of painful, life altering event occurs, it's important to have the structure in place for you and your family to be protected, and this year on Financially Ever After Widowhood, Stacy Francis is going to be talking to a diverse lineup of experts, and individuals who have gone through it themselves, to give you the tools and information you need to be prepared.
Prior to this year's series on Widowhood, Financially Ever After covered topics related to divorce. We invite you to check out these fantastic episodes if they are relevant to you.
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