Carol and her husband had always managed their finances together. When he passed unexpectedly, she was not only grieving—she was overwhelmed.

She found herself asking:

• Where do I even begin?
  
• Which accounts are still active?
  
• How do I live on one Social Security check now?
  
• What happens with our investments?
  

She was referred to us by a close friend who said: “You don’t have to do this alone.”

Our Approach

We gave Carol time to breathe.

Then, step by step, we:

• Organized and retitled accounts
  
• Helped her understand survivor benefits and updated her income plan
  
• Adjusted her investment allocations for her new income needs and risk comfort
  
• Reviewed her estate plan and beneficiaries to reflect her new reality
  
• Coordinated with her CPA and estate attorney to minimize future taxes and keep everything aligned
  

The Result

Carol didn’t just get her finances in order—she got her confidence back.

Today, she feels empowered. She has a clear monthly income plan, a support team she can call anytime, and a strategy that honors her past while protecting her future.

Note: This case study is hypothetical and does not involve an actual Demars Financial client. No portion of this content should be interpreted as a guarantee of specific outcomes.