---
title: The Risk of Being a Suddenly Single Woman
description: The Risk of Being a Suddenly Single Woman
---
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## Educate, Encourage, Empower
# The Risk of Being a Suddenly Single Woman
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 2:00 AM on March 5, 2018
## Contending with the possibility of widowhood.
**On average, women outlive their husbands.** According to the Social Security Administration’s estimate, the average 65-year-old woman will outlive the average 65-year-old man by more than two years, dying at age 86½. Averages aside, it also estimates that about a quarter of today’s 65-year-olds will live into their nineties. Around 10% will live to age 95 or beyond.1
Eyeing these figures, it is easy to deduce that some women may outlive their spouses by five years or longer and contend with complex financial issues after age 85. There is one detail, however, that all these facts and figures leave out.
**The average age of widowhood in the U.S. is 59.** A widow might spend 30 or more years managing her finances. Is she prepared for this possibility?2
**Too often, conversations about money are male driven.** A recent Key Private Bank survey confirms this. The wealth management firm polled financial professionals, and the advisors responding said that women took the lead in just 3% of their talks with married couples. More than 80% of these advisors said that most of their female clients had no contingency plan to respond to the risk of being widowed.2
**Women need to plan for the probability of someday managing their finances.** Given the above statistics, “probability” is not too strong a word. What steps should be taken?
**Both spouses should be financially literate.** Some women are extremely well versed in investing, retirement planning, and personal finance matters.
**A successive investment policy can be determined.** A widow may want (or need) to take a different investment approach than the one stated in a couple’s investment policy statement (IPS). This approach needs to be one she is comfortable with, but it must not be so risk averse that it jeopardizes her potential to sustain her standard of living in the face of inflation.
**Sufficient insurance and a thoughtful estate plan need to be in place.** If a spouse dies, the death benefit from a permanent life insurance policy may ease some of the financial pressures that follow. Up-to-date beneficiary designations, trusts, and other estate planning mechanisms may help assets transfer from spouse to spouse and within the family without contention or undue delay. A good estate plan clearly defines the steps of the asset transfer process for a surviving spouse and other heirs.
An asset map should be prepared for a surviving spouse. Some widows must search for vital financial documents because a deceased spouse left them in an obscure location. Other times, a widow is left with only a hazy understanding of how many accounts there are, how they are titled, and how to address the requirements of asset distribution or transfer. Each spouse should have a copy of a document (or access to an online or brick-and-mortar vault) where this information is kept. This is the information from which much of a widow’s financial future may be planned.
With a clear understanding of where she stands, financially, a widow may evaluate her investment and wealth management options and take steps toward the next phase of life with some confidence.
TK-01042018-1326
This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.
Citations.
1 - ssa.gov/planners/lifeexpectancy.html \[12/18/17\]
2 - cnbc.com/2017/09/05/how-to-prepare-for-being-suddenly-single.html \[9/5/17\]
Topics: [asset map](https://blog.creekmurwealth.com/blog/tag/asset-map), [Uncategorized](https://blog.creekmurwealth.com/blog/tag/uncategorized), [Widow](https://blog.creekmurwealth.com/blog/tag/widow), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Successive Investment](https://blog.creekmurwealth.com/blog/tag/successive-investment), [Surviving Spouse](https://blog.creekmurwealth.com/blog/tag/surviving-spouse)
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