John & Sarah Raymond were retiring this year. John worked as the lead architect at a mid-sized firm for much of his career, and Sarah was a librarian at the high school their children attended and graduated from when they were younger. When we met with the Raymonds, our initial meeting progressed as many do with an introduction to our firm and our staff, a discussion of the Wealth Management Solutions Investment Philosophy, and a request for insight into John & Sarah's goals for retirement. After talk of travel and more time with grandkids, John became silent and paused to reflect on a concern that weighed heavily on his mind. Would Sarah be okay, financially, after he passed away?