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

The Widow's Financial Wellness Program

Your Financial Life Has Changed

Widowhood can bring serious financial complexity at the very moment grief, exhaustion, uncertainty, and widow fog make everything harder. There may be cash-flow questions, income changes, investments, taxes, real estate issues, and paperwork that suddenly land on your shoulders.

It can feel as though you have been left to manage a changed life you never expected, or wanted, to shoulder on your own — like a Queen newly responsible for everything.

You do not have to go through this alone.

Your Protection Team

Before major decisions are made, most widows need more than information. They need protection.

The right support team can help protect you from pressure, confusion, costly mistakes, and decisions made too soon. That often includes trusted family members, close friends, grief support, legal and tax professionals, and a financial guide who understands the risks widows often face in the early months.

We call this circle your Queen’s Council. Its purpose is simple: to help make sure you are well supported and well protected.

Your Decision Partner

What if your financial advisor could do more than answer money questions?

As fiduciary guides through life transitions, we help you navigate widowhood’s financial and human realities with care, clarity, and understanding. Within your Queen’s Council, we are here as calm, protective partners, so you do not have to carry this alone. This is our commitment and calling: to offer trusted guidance and protective partnership through a time of real financial uncertainty and complexity. You don't need to have it all figured out, just a safe place to begin.

Our Widow’s Financial Wellness Program is designed to support you through the financial side of widowhood with calm, steadiness, and care. We begin by creating protection, orientation, and breathing room.

Support That Meets You Where You Are

Through gentle, structured bi-weekly conversations, we walk beside you through the PEACE Financial Life Planning process—helping you address immediate concerns, organize what feels overwhelming, understand your choices without pressure, and, in time, find the clarity to make wise financial decisions at your own pace.
Between meetings, we remain available, in person or on Zoom, to offer perspective, steadiness, and compassionate guidance when questions arise.

Financial Wellness Program FAQ's

FAQ's about our program,

created for widows, and individually crafted for you.

Learn more

Your Financial Life Plan

A clear, "dollars and sense"

Financial Plan

to enhance clarity, confidence and empowering choices.

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!

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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.