Your husband has died.  Will you work? Go back
     to school?  Buy a house or rent an apartment?
     Remarry?  Suddenly, you are faced with dozens
     of decisions you may have never seriously
     considered before.

          Take careful stock of yourself.  If you have a job,
     and can continue working, you will not only be more
     financially secure, but your job will provide routine and stability at a time when you may
     be feeling a little off balance.
                    
          If you have children, you will have special considerations, adequate  care while you are
     working, special housing requirements, future financial security and, perhaps a guardian for
     them, should you die prematurely.

          Many of these decisions don't have to be made immediately.  You have a full and rewarding
     life to build for yourself.  For a moment, accept the support and love of frinds and family - and
     give yourself time to carefully consider the choices open to you.

          If we may be of help or answer questions for you, please call us.