What Now?

Years ago, many of my friends used to joke, “What do you do, manage ’little old ladies’ money?” They all thought it was strange when I answered ”Yes, they aren’t all little, nor are they old, but that is what I do.” In my title, I included the word “widow” yet, through poetic license, I intended a looser definition. To help more of you, I included guidance for both women who unfortunately have lost their spouses (“traditional widows”), and women concerned about managing their financial affairs in case they survive their spouses (“could be widows”). This book will: • Inform you, the reader, of what to expect, and what you’ll have to do if, and when, a beloved spouse predeceases you • Educate you on what you will need to accomplish, so you have the confidence to manage your future financial affairs • Help you learn from others’ mistakes, so you don’t make them yourself • Help you understand why planning is so important, and to appreciate how proper planning can help prevent future problems • Show you how to simplify your financial affairs, and offer this book as a reference tool so you can do so • Illustrate how you can make your decision-making less emotional

Years ago, many of my friends used to joke, “What do you do, manage ’little old ladies’ money?” They all thought it was strange when I answered ”Yes, they aren’t all little, nor are they old, but that is what I do.” In my title, I included the word “widow” yet, through poetic license, I intended a looser definition. To help more of you, I included guidance for both women who unfortunately have lost their spouses (“traditional widows”), and women concerned about managing their financial affairs in case they survive their spouses (“could be widows”). This book will: • Inform you, the reader, of what to expect, and what you’ll have to do if, and when, a beloved spouse predeceases you • Educate you on what you will need to accomplish, so you have the confidence to manage your future financial affairs • Help you learn from others’ mistakes, so you don’t make them yourself • Help you understand why planning is so important, and to appreciate how proper planning can help prevent future problems • Show you how to simplify your financial affairs, and offer this book as a reference tool so you can do so • Illustrate how you can make your decision-making less emotional

Paul L. Marrella is a Wealth Manager at Marrella Financial Group, LLC, an independent firm. He focuses on providing wealth management solutions to successful families in Southeastern, Pennsylvania. Together with his father, brother and sister, he helps affluent clients address their five biggest concerns: preserving their wealth, mitigating taxes, taking care of their heirs, ensuring their assets are not unjustly taken, and charitable giving. Along with his father, Paul A., he founded Marrella Financial Group, LLC in 2001. Paul and his family now serve more than 300 families and institutions who have entrusted assets of more than $300 million. He uses a consultative process to gain a detailed understanding of his clients’ deepest values and goals. He then employs customized recommendations designed to address each client’s unique needs and aspirations well beyond simply investments.