Widow’s Financial Wellness Program | Clarity, Protection & Care

The Widow's Financial Wellness Program

Your Widow's Journey

When you become a widow, everything in your life changes. Uprooted from the stable life you knew, the journey ahead of you feels daunting, scary - like walking a precarious path in the dark, without map or clear destination. Suddenly, there is so much to do; Where you and your husband used to take care of things together, now it’s all left for you to handle -and all while you may be experiencing the grief, overwhelm, brain fog, and lack of focus that is so normal it is called “Widow’s Brain”. It’s like you are a Queen who unexpectedly finds herself in full charge of her domain, feeling unprepared for the many tasks and responsibilities now yours.

Your Queen's Council

That’s why building a strong support team or “Queen’s Council” is an essential first step in steadying your journey from disruption and loss to recovery, reconstruction and renewal. You may find that many old relationships feel different now, and it’s hard to know who is really there for you, and who you can safely trust. Your protective Queen’s Council are the personal and professional people you assemble to turn to for help in the different areas of your life. The professional part of your team can include a therapist, a grief counselor, a CPA, an estate lawyer and…to help you handle the money and paperwork that seem to run through everything, a financial advisor.

Your Decision Partner

But, what if... your financial advisor was a special kind of Certified Financial Planner who could not only be your fiduciary guide to help you with all the money items on your plate, but was also able to listen-deeply, caringly and patiently enough- to understand your feelings, what you are going through, and what you would like the next phase of your life to look like? Then they could serve in the position of “Hand of the Queen” companion- a fully supportive decision partner and advisor advocate as you find the confidence, calmness, wisdom and energy to keep moving forward. Our commitment, and calling is to be that kind of empowering support, standing as trusted guides on your post-traumatic growth journey from financial uncertainty to clarity - and beyond.

The Widow’s Financial Wellness Program

"Whatever you are going through, Clarity, Protection and Steadiness can come first”.

Our Widow's Financial Wellness Program begins with bi-weekly structured, comfortable conversations, working with you hand-in-hand through the 5-phase process every widow must navigate on her way to financial empowerment. We are also on-call, in person or on Zoom, to add clarity and calm perspective to questions and issues as they arise. Everything at your own pace.

Support That Meet's You Where You Are

Financial Wellness Program FAQ's

FAQ's about our program, created for widows, and individually crafted for you.

+

Financial questions and concerns we hear from many widows.

Learn more

The First 100 Days

Because This Chapter Matters.

The first days and weeks after loss can feel disorienting and fragile. This time deserves thoughtful, steady support becuase it sets the foundation and conditions for what comes next.

Learn More

Your Financial Life Plan

A clearly written,

"Dollars and Sense Financial Plan" to fund personal confidence and help guide empowering choices from recovery through post-traumatic growth, into a lifetime of Possibility.

Learn more

Your Way Forward

A time-lined action plan mapping out your financial and personal steps to the meaningful life you envision, with proven strategies to adjust to life's changes and move through obstacles.

Learn more

Real Widow's Stories

“You were a lifesaver for me. I don’t think you knew how much you helped me. I can’t even tell you how calming your presence and even your voice is. I’m usually a very optimistic person, but when I became a widow, I felt so lost. I didn’t have a clue. I still hoped things would be fine, but I didn’t know how they would be fine. That’s what you helped me understand… that I would be OK.”

Grace K. – Widowed Client

“Howard has been a great partner in teaching me how to manage my finances. He has shown me great options for investing for my future. His knowledge and experience in financial planning is definitely helping me feel more secure about my future plans. I definitely came to him in a time of need. I saw how well he took care of me as a recent widow, and I’m sure other widows will be in good hands with him and his team as well.”

Athena U. - Widowed Client

“Howard, you have been better than a friend. You helped me through a lot of really hard times. I could never have hoped for somebody to be so there for me. I knew I could call you whenever I needed you and you would always answer my call and you never once put me aside as if I didn’t matter. You taught me a lot about how my finances were going, and how I could make my investments grow well, but still feel safe. Thank you for everything!”

Katherine H. - Widowed Client

“Howard’s work was defined by trust, integrity, and genuine care. He is a fiduciary financial advisor who looks out for his client’s best interests with remarkable empathy and consistency. He brought expertise and heart — protecting, guiding, and empowering me. His depth of financial knowledge is communicated with clarity and compassion. He helped me, as a widow, find calm and confidence in the midst of uncertainty. He listens deeply, explains things clearly, and helps clients feel reassured and understood. I know how rare and meaningful that kind of presence is; Howard Rubin embodies it fully.”

Michele D. K. - Widowed Client

These testimonials were given by clients of the financial advisor and no compensation was provided directly or indirectly. These testimonials are not a guarantee of future performance or investment success, and these testimonials may not be representative of the experience of other customers. Please visit BrokerCheck (https://brokercheck.finra.org) to see more on the background of this professional.

Click Here to Read All Reviews at Your Own Pace

“After my husband unexpectedly passed away, I was scared and asked Howard to work with me to build a financial plan to feel more secure and positive about the future. I was so impressed at the depth of Howard’s knowledge, plus his care and compassion. I felt heard, and frankly it was also terrific therapy! His plan helped reduce my anxiety and gave me more hope! I feel confident now and really value his work and friendship. I recommend him for caring financial planning!”

Kim K. - Widowed Client

“You were referred to me to help with my inheritance after my Aunt died and you did help me so much! Then, after my husband passed away, you were there for me again. Whenever I needed you, I could always just pick up the phone. You were always very kind, and you listened. The investments you have set up make such a big difference in the extra assets I will be able to leave for the people I love. You have given me so much more peace and security. You’ve become a trusted friend.”

Carol V.- Inheritance & Widow Client

“When I lost my husband, I needed so much help to understand how to structure all of my investments so that they can give me the income I will need for my life. Howard helped me set things up so that I could make more money but still safeguard what I had. Howard took so much weight off my shoulders by figuring this all out with me. I trust what he tells me and the way he has managed my money.”

Ruth P. - Widowed Client

Meet Howard Jay Rubin, CFP®, RICP®, CLU®, CeFT®, CDFA®

Senior Financial Partner, Financial Life Planner, Investment Advisor

As a CFP professional, Certified Financial Transitionist and Founder of Transitions Financial Planning, Howard is a Fiduciary Advisor who cares deeply about each client's financial and personal well-being.

He is a second-generation financial planner, with 14 years experience in Investment Management, Full-Life Retirement Planning and Comprehensive, Holistic Financial Planning.

His fascination with Financial Psychology and Life Transitions began with his Psychology BA degree from Duke University, and has grown into a life-long learning passion. His credentials include certification as a Grief Educator and as a Kinder Life Planner. Personally, Howard is the proud father of twin children now in college and was once a full-time performing magician in Hollywood.

Meet your Transitions Financial Planning Team!

Schedule a Consultation

Contact Us Today

We are here to help you answer your questions and manage your financial life wisely, while understanding and supporting everything else you're going through.