A space to discuss the intersection of Financial Planning and Widowhood, and how Widows can navigate transitions that come with grief and loss.
Hosted by Jeff Morneault, CFP®, EA, RICP®, owner of Hilltop Planning in Austin, Texas. Jeff discusses financial topics relevant to widows and interviews other specialists who serve the widowhood community.
Disclaimer:
The information provided in this podcast is for informational and educational purposes only and is not intended to constitute investment, financial, legal, or tax advice.
All opinions expressed are those of the host and guests and are subject to change without notice. Any references to investments, strategies, or securities are illustrative and do not constitute a recommendation or solicitation to buy or sell any investment product. The views and strategies described may not be suitable for all investors.
Listeners should not act or refrain from acting on the basis of any information included in this podcast without seeking individualized advice from a qualified financial professional who understands your personal circumstances and financial objectives. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.
Jeff Morneault may discuss and link to third-party resources or websites; these are provided solely for convenience and do not constitute an endorsement. Jeff Morneault makes no representations as to the accuracy, timeliness, or completeness of any third-party information.
Episode 8: Reassessing Risk Tolerance and Capacity After Losing a Spouse
In this episode of Finance Through the Fog, Jeff explores how risk tolerance and risk capacity can shift after the loss of a spouse. He explains the difference between the two, walks through ways to assess your own risk profile, and discusses why major life transitions are a key time to revisit it. Jeff also covers tax, investment, and estate planning strategies, and how to manage your portfolio while navigating the emotional side of loss.
If you have any questions, please reach out to jeff at jeff@hilltopplaning, or through his website at hilltopplanning.com (http://hilltopplanning.com)
Disclaimer: The information provided in this podcast is for informational and educational purposes only and is not intended to constitute investment, financial, legal, or tax advice.
All opinions expressed are those of the host and guests and are subject to change without notice. Any references to investments, strategies, or securities are illustrative and do not constitute a recommendation or solicitation to buy or sell any investment product. The views and strategies described may not be suitable for all investors.
Listeners should not act or refrain from acting on the basis of any information included in this podcast without seeking individualized advice from a qualified financial professional who understands your personal circumstances and financial objectives. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.
Jeff Morneault may discuss and link to third-party resources or websites; these are provided solely for convenience and do not constitute an endorsement. Jeff Morneault makes no representations as to the accuracy, timeliness, or completeness of any third-party information.
29 Aug 2026
Rules and Decision-Making for Inherited Spousal IRAs
The second of a two-part series in which Jeff explores the complex world of inherited IRAs. This episode focuses on inherited IRA rules and decision-making for those who inherit an IRA and/or Roth IRA from a spouse.
While the rules for non-spousal inherited IRAs are strict guidelines to follow, the rules for spousal inherited IRAs offer more flexibility, which requires decision-making. In this episode, Jeff explores the pros and cons of inherited IRA options, as well as the timeline and considerations.
If you have any questions, please reach out to jeff at jeff@hilltopplaning, or through his website at hilltopplanning.com (http://hilltopplanning.com)
Disclaimer: The information provided in this podcast is for informational and educational purposes only and is not intended to constitute investment, financial, legal, or tax advice.
All opinions expressed are those of the host and guests and are subject to change without notice. Any references to investments, strategies, or securities are illustrative and do not constitute a recommendation or solicitation to buy or sell any investment product. The views and strategies described may not be suitable for all investors.
Listeners should not act or refrain from acting on the basis of any information included in this podcast without seeking individualized advice from a qualified financial professional who understands your personal circumstances and financial objectives. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.
Jeff Morneault may discuss and link to third-party resources or websites; these are provided solely for convenience and do not constitute an endorsement. Jeff Morneault makes no representations as to the accuracy, timeliness, or completeness of any third-party information.
18 May 2026
Untangling Inherited IRA Rules for Non-Spousal Beneficiaries
This is the first of a two-part series in which Jeff explores the complex world of inherited IRAs. While this episode focuses on inheriting a pre-tax or Roth IRA from anyone other than a spouse, the follow-up episode will discuss spousal inherited IRAs.
Whether you are planning for your own legacy or looking for educational guidance on an inherited IRA, you will learn about the rules, common pitfalls, planning opportunities, and crucial timelines for inheriting and passing on pre-tax and Roth IRAs.
If you have any questions, please reach out to jeff at jeff@hilltopplaning, or through his website at hilltopplanning.com (http://hilltopplanning.com)
Disclaimer: The information provided in this podcast is for informational and educational purposes only and is not intended to constitute investment, financial, legal, or tax advice.
All opinions expressed are those of the host and guests and are subject to change without notice. Any references to investments, strategies, or securities are illustrative and do not constitute a recommendation or solicitation to buy or sell any investment product. The views and strategies described may not be suitable for all investors.
Listeners should not act or refrain from acting on the basis of any information included in this podcast without seeking individualized advice from a qualified financial professional who understands your personal circumstances and financial objectives. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.
Jeff Morneault may discuss and link to third-party resources or websites; these are provided solely for convenience and do not constitute an endorsement. Jeff Morneault makes no representations as to the accuracy, timeliness, or completeness of any third-party information.
25 Apr 2026
A Conversation on the complexities of serving as Executor or Trustee with Tara Yukawa, owner & founder of SageVault
Jeff sits down with Tara Yukawa, a Certified Executor Advisor and the founder of SageVault, to discuss the complexities of serving as an executor or trustee.
Tara shares her journey of starting SageVault, which offers resources, education, and advisory services to those pre-planning an estate or navigating their roles as executor and/or trustee. Tara shares practical advice and insights into a role that so many find themselves unexpectedly navigating, along with tips for navigating some of the more common pitfalls executors and trustees face.
During our discussion, the resources Tara references are:
Memorialization and transfer setup instructions for Google, Meta, etc - https://mysagevault.com/manage-online-accounts-after-death/ (https://mysagevault.com/manage-online-accounts-after-death/)
Subscribe to my weekly newsletter: mysagevault.com/newsletter (http://mysagevault.com/newsletter)
Get your copy of Before It's Too Late: A Guided Workbook for Talking to Your Aging Parents About the Future - https://amzn.to/3Z2QS1q (https://amzn.to/3Z2QS1q)
You can reach Tara through her website at https://mysagevault.com (https://mysagevault.com/) or email her at tara@mysagevault.com.
23 Feb 2026
Conversation with Veronica Pulido, Founder and CEO of Good Grief
In this episode of Finance Through the Fog, I share a discussion with Veronica Pulido, founder of Good Grief (https://joingoodgrief.com/), a resource offering support and community to those navigating Grief and Loss. Veronica details her own experience with grief after the loss of her father, and what inspired her to leave the corporate world for a mission to serve others through their own transitions with loss.
We also discuss insights Veronica has gained towards the grieving experience through her journey with Good Grief, and her experiences with the highs and lows of entrepreneurship.
Veronica can be reached at veronica@joingoodgief.com, and her website can be found at www.joingoodgrief.com (http://www.joingoodgrief.com)
31 Jan 2026
Comprehensive Guide to Understanding Long Term Care
On this episode of Finance Through the Fog, Jeff discusses all things “Long Term Care.”
The Topics of discussion and their timestamps are:
00:00 Intro
03:37 Defining and Qualifying for Care
06:14 Misconceptions of Long-Term Care
07:36 Cost and Different types of Care Settings
13:23 Length of Care
15:08 Medicare and Long-Term Care
19:50 Medicaid and Long-Term Care
28:08 Long Term Care Insurance
40:28 Effects of Long-Term Care on Families
44:45 Tax Planning and Long Term Care
50:46 Conclusion and Final Thoughts
Disclaimer: The information provided in this podcast is for informational and educational purposes only and is not intended to constitute investment, financial, legal, or tax advice.
All opinions expressed are those of the host and guests and are subject to change without notice. Any references to investments, strategies, or securities are illustrative and do not constitute a recommendation or solicitation to buy or sell any investment product. The views and strategies described may not be suitable for all investors.
Listeners should not act or refrain from acting on the basis of any information included in this podcast without seeking individualized advice from a qualified financial professional who understands your personal circumstances and financial objectives. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.
Jeff Morneault may discuss and link to third-party resources or websites; these are provided solely for convenience and do not constitute an endorsement. Jeff Morneault makes no representations as to the accuracy, timeliness, or completeness of any third-party information.
5 Dec 2025
Understanding the "Widow's Penalty" and how it can affect taxes, Social Security, and Medicare
On this episode of Finance Through the Fog, Jeff discusses the “Widow’s Penalty,” a term used to describe changes in taxes, social security, and Medicare following the death of a spouse.
Disclaimer: The information provided in this podcast is for informational and educational purposes only and is not intended to constitute investment, financial, legal, or tax advice.
All opinions expressed are those of the host and guests and are subject to change without notice. Any references to investments, strategies, or securities are illustrative and do not constitute a recommendation or solicitation to buy or sell any investment product. The views and strategies described may not be suitable for all investors.
Listeners should not act or refrain from acting on the basis of any information included in this podcast without seeking individualized advice from a qualified financial professional who understands your personal circumstances and financial objectives. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.
Jeff Morneault may discuss and link to third-party resources or websites; these are provided solely for convenience and do not constitute an endorsement. Jeff Morneault makes no representations as to the accuracy, timeliness, or completeness of any third-party information.
4 Dec 2025
Navigating Spousal Social Security Survivor Benefits
In the first episode of Finance Through the Fog, Jeff discusses Social Security Survivor Benefits for Spouses, and they can interact with your own benefit to provide retirement income.
The episode includes an overview of survivor benefits, benefit calculations, claiming timelines, and common strategies.
Disclaimer: The information provided in this podcast is for informational and educational purposes only and is not intended to constitute investment, financial, legal, or tax advice.
All opinions expressed are those of the host and guests and are subject to change without notice. Any references to investments, strategies, or securities are illustrative and do not constitute a recommendation or solicitation to buy or sell any investment product. The views and strategies described may not be suitable for all investors.
Listeners should not act or refrain from acting on the basis of any information included in this podcast without seeking individualized advice from a qualified financial professional who understands your personal circumstances and financial objectives. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.
Jeff Morneault may discuss and link to third-party resources or websites; these are provided solely for convenience and do not constitute an endorsement. Jeff Morneault makes no representations as to the accuracy, timeliness, or completeness of any third-party information.
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