As a financial planner specializing in Wealth Preservation Planning, one aspect of my practice is providing life insurance, when appropriate. As a result, part of my job involves the delivery of death claim checks to widows. Unfortunately, many of them have never had the opportunity to deal with family finances or budgeting - but are suddenly thrown into a situation where they must assume that responsibility. It comes at a time of great instability and disruption.

"On Your Own" by Alexandra Armstrong and Mary R. Donahue deals sensitively with both the emotional and financial issues of widowhood, and provides guidance for both - with compassion and authoritative wisdom. It provides comfort and knowledge in a clever structure which allows the reader to review applications of each chapter's information in one of several optional formats, based upon her individual set of circumstances (young with children, elderly, etc.)

I am so impressed with the book that I give it to each of the beneficiaries to whom I deliver a death claim check. The thank you notes I have received have provided a wonderful reward for sharing this valuable information.

I purchased this book five years ago from Ms. Armstrong at a NAIC Congress in Florida. At the time I purchased it as a reference for my investment club's library. With 21 women in the M & D Investment Club I figured someone would need it sometime. I have skimmed it occasionally through the years but when I recently become widowed it was the first book I brought out. Ms. Armstrong has literally saved me much time and grief in trying to figure out what to do next. There is no time of greater confusion and despair than at the sudden and unexpected loss of a beloved spouse. When I can read this book gives me something to do or think about. The suggestions for organization are excellent and will allow me to make informed descisions instead of emotional decisions. While I did not expect to be the recipient of her wisdom I am grateful for it. I highly recommend it for all women, married, single, divorced or involved in any relationship that has financial involvement. We can't afford to not know how to best proceed with our financial future.

For all who have ever asked "What do I do now?" or "Who can help me with...?" I recommend "On Your Own". Like earlier editions, this is a sensitive and insightful resource for those who have recently experienced (or are preparing to experience) the loss of a spouse. In a highly readable and usable style the authors lead the reader through important topics often thought to be too intimidating or too confusing for someone wrought with fear and sadness.