A Checklist for When a Spouse or Parent Passes

Author

RTI Wealth Management– Anthony Cisneros

Posted on

Sep 27, 2021

Book/Edition

Colorado - Northern Colorado

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When you lose a spouse, partner, or parent, the grief can be overwhelming.In the midst of that grief, life goes on. There are arrangements to be made, things to be taken care of and in recognition of this reality, here is a checklist that you may find useful at such a time.
First, gather documents. Ask for help from other family members if you need it. Start by gathering the following.

A will, a trust, or other estate documents. If none of these exist, you could face a longer legal process when settling the persons estate.
A Social Security card/number. Generally, the persons Social Security number will be retired shortly following the death. If you are uncertain, consider checking with the Social Security office.

Then, gather these additional highly important items.

Any account statements
Deeds/titles to real estate
Car titles or lease agreements
Storage space keys/account records
Any bills due or records of credit card statements
Any social media platform information, if applicable

Last, but not least, look for a computer file or printout with digital account passwords. Prior to their loved ones passing, some family members may try to centralize all this information or state where it can be found.
In addition, see if the person left a letter of instructions. A letter of instructions is not a legal document; its a letter that provides additional and more-personal information regarding an estate. It can be addressed to whomever you choose, but typically, letters of instructions are directed to the executor, family members, or beneficiaries.
Following these steps, address financial, insurance, and credit matters. Investment and retirement plan accounts and insurance policies should have beneficiaries, so reach out to the financial and insurance professionals who helped your loved one as well as the person overseeing their workplace retirement plan. Talk with these professionals to learn about the possible tax implications from inheriting these assets.
State and federal taxes for your loved one will also need to be paid, and possibly, other taxes for the year of their death.
Remember, this article is for informational purposes only and is not a replacement for real-life advice, so make sure to consult your tax, legal, and accounting professionals before modifying your any tax or estate strategy.
If your loved one owned a small business or professional practice, a discussion with business partners (and clients) may be necessary as well as a consultation with the attorney who advised that business.
Look after your future. Working through several of these issues may help bring closure to your loved ones estate.

This article is provided by Anthony Cisneros CRPC, CRPS, President Wealth Advisor of RTI Wealth Management. He can be reached at 970-236-8800 or by email at acisneros@rtiwm.com. Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SPIC

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        • 5: {"uuid":"4629b5c9-f04f-4570-a485-13b00bd48cf9","displayName":"App\\Jobs\\TrackLibrary","job":"Illuminate\\Queue\\CallQueuedHandler@call","maxTries":null,"maxExceptions":null,"failOnTimeout":false,"backoff":null,"timeout":null,"retryUntil":null,"data":{"commandName":"App\\Jobs\\TrackLibrary","command":"O:21:\"App\\Jobs\\TrackLibrary\":5:{s:13:\"\u0000*\u0000track_data\";O:45:\"Illuminate\\Contracts\\Database\\ModelIdentifier\":5:{s:5:\"class\";s:18:\"App\\Models\\Listing\";s:2:\"id\";a:1:{i:0;i:117829;}s:9:\"relations\";a:0:{}s:10:\"connection\";s:5:\"mysql\";s:15:\"collectionClass\";N;}s:13:\"\u0000*\u0000usercookie\";s:18:\"us734trb76et634tbr\";s:7:\"\u0000*\u0000type\";s:7:\"article\";s:13:\"\u0000*\u0000event_type\";s:6:\"appear\";s:16:\"\u0000*\u0000inputDataType\";s:4:\"data\";}"}}
        Backtrace
        • vendor/laravel/framework/src/Illuminate/Queue/DatabaseQueue.php:188
        • vendor/laravel/framework/src/Illuminate/Queue/DatabaseQueue.php:99
        • vendor/laravel/framework/src/Illuminate/Queue/Queue.php:338
        • vendor/laravel/framework/src/Illuminate/Queue/DatabaseQueue.php:93
        • vendor/laravel/framework/src/Illuminate/Bus/Dispatcher.php:244
      • 3968f797b22a9c6b17ff202289cdb425.php#51seniorsbb_db_dev1.45msselect * from `company` where `company`.`id` = '99106' and `company`.`id` is not null and `company`.`deleted_at` is null limit 1
        Bindings
        • 0: 99106
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:51
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#54seniorsbb_db_dev1.33msselect * from `company` where `company`.`id` = '99106' and `company`.`id` is not null and `company`.`deleted_at` is null limit 1
        Bindings
        • 0: 99106
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:54
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#66seniorsbb_db_dev1.3msselect `books`.*, `bookeditionmapping`.`recordId` as `pivot_recordId`, `bookeditionmapping`.`bookId` as `pivot_bookId` from `books` inner join `bookeditionmapping` on `books`.`id` = `bookeditionmapping`.`bookId` where `bookeditionmapping`.`recordId` = 6903 and `bookeditionmapping`.`type` = 'article'
        Bindings
        • 0: 6903
        • 1: article
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:66
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#70seniorsbb_db_dev1.56msselect `books`.*, `bookeditionmapping`.`recordId` as `pivot_recordId`, `bookeditionmapping`.`bookId` as `pivot_bookId` from `books` inner join `bookeditionmapping` on `books`.`id` = `bookeditionmapping`.`bookId` where `bookeditionmapping`.`recordId` = 6903 and `bookeditionmapping`.`type` = 'article'
        Bindings
        • 0: 6903
        • 1: article
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:70
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#85seniorsbb_db_dev1.67msselect * from `listingcontacts` where `listingcontacts`.`listingId` = 6903 and `listingcontacts`.`listingId` is not null and `type` = 'article' and `primary` = 1 limit 1
        Bindings
        • 0: 6903
        • 1: article
        • 2: 1
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:85
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#237seniorsbb_db_dev1.58msselect * from `listingattachment` where `listingattachment`.`listingId` = 117829 and `listingattachment`.`listingId` is not null and `type` = 'listing' and `primary` = 1 limit 1
        Bindings
        • 0: 117829
        • 1: listing
        • 2: 1
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:237
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#253seniorsbb_db_dev1.12msselect * from `categorymapping` where `categorymapping`.`slug` = '195' and `categorymapping`.`slug` is not null limit 1
        Bindings
        • 0: 195
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:253
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#256seniorsbb_db_dev1.13msselect * from `category` where `category`.`id` = '195' and `category`.`id` is not null limit 1
        Bindings
        • 0: 195
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:256
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#299seniorsbb_db_dev1.32msselect * from `listingattachment` where `listingattachment`.`listingId` = 15263 and `listingattachment`.`listingId` is not null and `type` = 'article' and `primary` = 1 limit 1
        Bindings
        • 0: 15263
        • 1: article
        • 2: 1
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:299
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#299seniorsbb_db_dev1.2msselect * from `listingattachment` where `listingattachment`.`listingId` = 15147 and `listingattachment`.`listingId` is not null and `type` = 'article' and `primary` = 1 limit 1
        Bindings
        • 0: 15147
        • 1: article
        • 2: 1
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:299
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#299seniorsbb_db_dev1.18msselect * from `listingattachment` where `listingattachment`.`listingId` = 15069 and `listingattachment`.`listingId` is not null and `type` = 'article' and `primary` = 1 limit 1
        Bindings
        • 0: 15069
        • 1: article
        • 2: 1
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:299
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 6162bf581736fa7f4e9b70a52a1034b4.php#2seniorsbb_db_dev1.6msselect * from `articles` where `articles`.`deleted_at` is null order by `id` desc limit 3
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/6162bf581736fa7f4e9b70a52a1034b4.php:2
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      App\Models\Article
      7Article.php#?
      App\Models\ListingAttachments
      5ListingAttachments.php#?
      App\Models\Category
      2Category.php#?
      App\Models\ArticleCategory
      2ArticleCategory.php#?
      App\Models\Company
      2Company.php#?
      App\Models\Books
      2Books.php#?
      App\Models\Listing
      1Listing.php#?
          ClearShow all
          Date ↕MethodURLData
          #12025-07-06 08:08:43GET/articles/a-checklist-for-when-a-spouse-or-parent-passes42221