Financially Ever After Widowhood

Stacy Francis
Financially Ever After Widowhood

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.

  1. 9 HR. AGO

    Avoiding Costly Mistakes in Your Estate Planning with Dahemia Grant

    Ever wondered if there’s a secret recipe for reducing your tax burden without sacrificing your long-term financial health? Could your estate planning be leaving money on the table? In this episode of Financially Ever After, Stacy Francis is joined by the brilliant Dahemia Grant, CPA and tax expert, to unravel the intricacies of tax planning and estate strategies. From the basics of income taxes and capital gains to the more complex topics like estate taxes and inheritance planning, Dahemia walks us through strategies that can help you optimize your financial future—whether you're a female entrepreneur or someone navigating personal tax scenarios. With practical advice and a clear focus on the green zone of financial health, Dahemia ensures that you don't have to do it alone when it comes to taxes and estate planning. You'll hear them discuss: How understanding tax planning can make a huge difference in your financial future, particularly the difference between income taxes, capital gains, and how each affects your investments. Dahemia explains how proactive planning can help reduce your overall tax burden and maximize your wealth. The importance of estate and inheritance tax planning, and why it’s crucial to understand how your estate will be taxed when it’s passed down. Even if you think your estate is far from the $13.6 million threshold, Dahemia reveals why filing an estate tax return may still be beneficial to capture exemptions that would otherwise be lost. The "portability provision," which allows the surviving spouse of an estate to use the unused portion of the deceased spouse’s estate tax exemption. This little-known rule can provide a significant benefit by increasing the amount a surviving spouse can pass on tax-free, potentially saving millions. How different states have vastly different estate tax rules and exemption limits, and why it’s critical to be aware of these when making estate planning decisions. Dahemia highlights examples like New York’s lower exemption levels and explains why some people choose to relocate to states with more favorable tax policies, like Florida. Why building a team of professionals—including an accountant, tax advisor, and financial planner—can make all the difference when navigating the complexities of taxes, estate planning, and wealth management. You don’t have to go it alone, and Dahemia emphasizes the value of having the right support system. The strategy of gifting assets during your lifetime to reduce your taxable estate. Dahemia discusses how this can be a powerful tool, especially for those concerned about estate taxes, but also explains how to balance gifting with the need to maintain financial security for yourself. Resources Dahemia Grant on LinkedIn I Web Email: dgrant@dsgadvisorycpa.com Phone: 917-309-8574 Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

    43 min

  2. JAN 7

    Finding Balance in Caregiving with Debbie Weiss

    What if learning to say “no” could be the most powerful form of self-care you ever practiced? In this inspiring episode of Financially Ever After, Stacy Francis chats with Debbie Weiss, author of On Second Thought, Maybe I Can and The Sprinkle Effect, about the power of setting boundaries, prioritizing self-care, and living with greater intention. Debbie shares her personal journey of caregiving while pursuing her own growth, offering practical advice for anyone feeling overwhelmed or stretched too thin. You’ll hear them discuss: Why saying "no" can be one of the most powerful forms of self-care, especially for caregivers, people-pleasers, and those who feel stretched too thin. Debbie explains how to recognize when it’s time to decline requests — and how to do it without guilt. How the 24-hour rule for commitments can stop you from over-scheduling yourself. Instead of agreeing on the spot, Debbie suggests giving yourself space to reflect on what truly aligns with your priorities. Why self-care isn't just massages and manicures. Debbie's decision to learn something new during a caregiving crisis led to an unexpected sense of fulfillment and purpose. She shares how learning and growth can be a powerful form of self-care. The hidden cost of attending social events you don’t want to go to. If you've ever said "yes" to a dinner only to regret it the moment you arrive, you'll relate to Debbie's story. Learn how to gracefully say no and avoid the "why did I agree to this?" feeling. How to live intentionally, even when life is chaotic. Debbie shares how she committed to writing her book during one of the most challenging times of her life. Her story shows that even in tough seasons, small, consistent steps can lead to big results. Why taking care of yourself is the opposite of selfish. Debbie reminds us that if you burn out, the people who rely on you suffer too. Her advice will reframe the way you think about self-care. How to break free from people-pleasing tendencies. If you struggle to say no because you don’t want to disappoint others, Debbie’s simple strategies — like not over-explaining your "no" — will give you a new perspective. An inside look at Debbie’s new books, The Sprinkle Effect and its companion workbook. These hands-on tools offer exercises and reflections to help you create a more colorful, fulfilling, and intentional life. Resources Debbie Weiss on the Web | LinkedIn | Facebook | Facebook Group | Instagram | TikTok | YouTube | Maybe I Can Podcast | Email Debbie’s Books: The Sprinkle Effect Book, On Second Thought…Maybe I Can 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!

    34 min

  3. 12/24/2024

    [Replay] Honoring Traditions and Making New Ones This Holiday Season with Jordan Schwartz Hendin

    Welcome to Financially Ever After Widowhood. As we’re in the heart of the holiday season, we know this time of year can bring both cherished memories and difficult emotions, especially for widows navigating loss. Today, we’re bringing back one of our most impactful episodes from last year, featuring Cognitive Behavioral and Grief Coach Jordan Schwartz Hendin. We hope this special replay offers comfort, guidance, and a reminder that you’re not alone. Thank you for tuning in, and we wish you peace and support this holiday season. Let’s revisit this incredible episode. 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: stacy@francisfinancial.com FrancisFinancial.com   Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

    39 min

  4. 12/10/2024

    Navigating the Holidays: Setting Boundaries and Budgets After Loss with Kim Murray

    How can you navigate the emotional complexities of the holiday season, set financial boundaries, and plan for a secure financial future after the loss of a spouse? In this insightful episode, Kim Murray, founder of Widow411, shares valuable financial strategies and emotional insights for widows. She discusses how to handle holiday spending, set healthy financial boundaries, and plan for long-term financial goals, all while coping with the challenges of grief. You’ll hear them discuss: The emotional pressure to overspend during the holidays and making clear boundaries around gift-giving and social events are crucial. By being intentional about your spending, you can avoid financial stress and emotional burnout during a challenging time. How material gifts or excessive spending cannot heal emotional pain. Kim encourages widows to be mindful of emotional spending during the holidays and to focus on meaningful ways to celebrate without breaking the bank. The importance of "paying yourself first." By automating savings (such as maxing out your 401(k) or contributing to an emergency fund), you ensure that your financial goals are a priority, even before paying other bills. This sets a solid foundation for long-term security. Having separate accounts for specific purposes—such as travel or holiday spending - gives you peace of mind. It helps keep track of your funds and ensures that you don't overextend yourself financially while trying to fund multiple priorities. Planning for future expenses like car maintenance and retirement. Breaking down long-term financial goals into manageable chunks, like setting aside money for a Roth IRA or emergency savings, makes them feel more achievable. The importance of having an emergency fund to avoid relying on credit cards when unexpected expenses arise. This is an essential step in gaining control over your finances and avoiding unnecessary debt. Funding an HSA and how HSAs can be a valuable tool for saving money for medical expenses. HSAs grow tax-free and can also be used in retirement, making them a flexible savings option. Resources Kim Murray on the Web | LinkedIn | Instagram | Pinterest | Email The Ultimate Survival Guide for Widows - helps widows manage and complete the crushing list of to-dos after a spouse dies. It offers step-by-step instructions for essential tasks like managing finances, closing accounts, and navigating Social Security benefits, taxes, and insurance. Practical tools like fillable templates, checklists, and worksheets to simplify complex tasks empower widows to take control and get things done. 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!

    45 min

  5. 11/26/2024

    The Election Effect: Navigating Tax Changes and Policy Shifts with Deborah Schaub

    What steps can you take to prepare for potential tax changes and secure a financially stable future? In this episode of Financially Ever After Widowhood, Stacy Francis sits down with tax expert Deborah Schaub to break down the complexities of the Tax Cuts and Jobs Act and share actionable strategies to maximize savings and navigate tax planning in a rapidly shifting economic landscape. From understanding current laws to preparing for future uncertainties, this conversation equips you with the tools to make smarter financial decisions today. Listen in as they discuss: Key provisions of the Tax Cuts and Jobs Act, how they impact individuals and business owners, and what might change in the coming years. Why Roth IRA conversions are powerful tools for tax-free growth and how to use them strategically. The importance of analyzing your tax bracket to avoid costly mistakes, such as unexpectedly higher taxes or penalties. Capital gains tax rates: what they are now, what could shift, and how to plan for potential increases. How inflation continues to bite into budgets and the role taxes play in financial planning. Balancing today’s tax advantages with future uncertainties through effective tax deferral or realization strategies. Proactive tax planning tips for individuals and small business owners to save money now and minimize risks later. Resources Deborah Schaub on LinkedIn | CNB Accounting Website Phone: +201-787-6542 Email: cfo@deborahschaub.com Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! TCJA Overview: IRS tax reform

    41 min

  6. 11/12/2024

    Estate Planning After a Wrongful Death with Mary Beth Heiskell

    What rights do families truly have when a loved one’s death might have been preventable? In this insightful episode of Financially Ever After, Stacy Francis sits down with Mary Beth Heiskell, a seasoned legal expert in wrongful death cases, to unravel the often-hidden financial and legal challenges families face when tragedy strikes. From the rights of estranged family members in estate claims to practical tips on managing assets and legal appointments, Mary Beth shares indispensable guidance to help families protect their financial future and avoid common pitfalls. Listen in as they discuss: How estate rights can affect you. For example, New York state law grants parents, including estranged ones, a potential share of the estate in certain cases, impacting surviving spouses and heirs. When a spouse wants to serve as the estate administrator, certain family members, such as estranged parents, may need to formally approve the appointment. Planning these steps in advance can help avoid disputes and smooth the process for surviving family members. Steps for proactive asset management, such as transferring ownership of specific assets—such as vehicles, firearms, or real estate—before a loved one’s passing can greatly simplify the estate process for survivors. Navigating the complex landscape of wrongful death and estate administration requires specialized knowledge, making expert assistance essential to avoid costly mistakes. Resources: Mary Beth Heiskell on LinkedIn  Email: mbheiskell@gmail.com and info@healthcarepathfinder.com NY - Advance Directories - Make your wishes known and honored NY - Appoint your healthcare proxy 9.11 World Trade Centre Health Program WTC Victim Compensation Fund Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

    38 min

  7. 10/29/2024

    Mind-Body Connection: Navigating Grief Through Movement with Dr. Gina Williams

    Can prioritizing your health make you more financially secure? In this episode of Financially Ever After Widowhood, Stacy Francis speaks with Dr. Gina Williams, a physical therapist and advocate for holistic well-being, about how wellness influences every aspect of our lives, including finances. Together, they explore practical ways to prioritize health and wellness, discussing affordable care options, the impact of stress on the body, and the importance of self-care. Listen in as they talk about: Gina shares the link between health and wealth with her holistic approach, emphasizing the connection between wellness and financial stability. She discusses founding her own practice to offer individualized care tailored to each client’s unique needs. Gina and Stacy explore how grief and stress can lead to physical pain and why self-care is crucial, especially during challenging times. Gina highlights ways to make physical therapy accessible, with insurance, telehealth, and flexible scheduling options. For those feeling overwhelmed, Gina provides simple ways to incorporate movement into daily life, showing that even a few minutes of exercise can have meaningful benefits. Gina discusses the importance of establishing boundaries at work and in personal life to protect both physical and mental health, especially when dealing with grief or stress. She shares how small, consistent adjustments to daily routines—like posture corrections and mindful breathing—can lead to significant long-term improvements in physical well-being. Resources: Dr. Gina Williams on Website I Physical Therapy I LinkedIn I Podcast | YouTube | Instagram | Facebook Email: DrGina@mobilityhealthpt.com I +516-715-2601 Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

    27 min

  8. 10/15/2024

    How to Support Grieving Loved Ones with Hope Reger

    How to Support Grieving Loved Ones Are you struggling with grief and seeking support? In this episode of Financially Ever After Widowhood, Hope Reger, a passionate advocate for those experiencing loss, shares her journey and insights on coping with grief with Stacy. She highlights the importance of recognizing the unique challenges that come with grieving and emphasizes the value of genuine connection and support. As the founder of Grief 2 Hope, she provides resources and a safe space for individuals to navigate their grief journey.  Hear them discuss: Understanding Grief: Grieving is a deeply personal experience, and acknowledging it can be the first step toward healing. Authentic Support: When helping someone who is grieving, honesty matters—simply saying, "I don't know what to say, but I'm here for you," can be incredibly powerful. Casserole Therapy vs. Specific Help: While well-meaning friends may offer food, true support comes from specific offers to help, like picking up kids or walking the dog, rather than leaving the burden on the grieving person to ask for help. The Importance of Ongoing Support: Grief doesn't end after the funeral. Continuing to reach out during significant milestones—like anniversaries or the first day of school—can mean the world to someone navigating loss. Grief to Hope Program: Open to anyone grieving, this seven-week virtual program provides a supportive community. It covers various topics related to grief and allows participants to share their experiences in a safe space. Inclusivity of Loss: The program welcomes those grieving any loss, whether it be a partner, child, or friend, emphasizing that all grief is valid. Free Resources: The Grief to Hope program is entirely free, emphasizing the mission to support anyone in need without financial barriers. Resources: Hope Reger on LinkedIn | Website | Facebook | Instagram Grief 2 Hope on LinkedIn | Facebook Phone: 937-768-1459  Email: grief2hope2020@gmail.com ''Grief 2 Hope - A mother's memoir of devastation to determination'' by Hope Reger Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

    43 min
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4.8
out of 5
39 Ratings

About

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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