A Widow’s Worst Nightmare
	
	
	
	
		
			
		
		
			By Tommie Monez, MBA, CFP, ChFC, and Helen Modly, CFP, CWPA
	
	
	
	Horsesmouth Essential: What can be worse than losing a spouse, especially when there are still young children to raise? How about being forced to go through probate and losing needed assets to ex-spouses and estranged family members?