Does Your Spouse Know Your Retirement Plan?1

Added: 2026-06-01

[00:00:00]If something happens to you tomorrow, does your spouse know exactly what to do with your retirement assets? When you retire, your pension administrator will ask you to make a survivor benefit election. Most people choose based on the monthly check. They see the higher payout and they take it without thinking about what stops the day they pass away.

[00:00:15]For many surviving spouses, that income disappears entirely. No warning, no transition period. At Swan, we model both scenarios. We look at life insurance, survivor benefits, and income replacement strategies so that your spouse is never left to figure it out alone. The decisions you make today determine how protected the people you love are tomorrow.