Imagine standing in the middle of a life transition—grieving, exhausted—and realizing you’re suddenly in charge of someone else’s financial legacy? That was Mary Ann. Not her real name, but very real. A lifelong educator who could color-code a school year with her eyes closed… and still felt lost when her father died and the paperwork landed in her lap. Mary Ann had just filed her retirement papers so she could care for her dad—a kind, brave man who’d once been in remission from leukemia. When doctors missed key markers, complications piled up and his life ended sooner than anyone expected. In a week, everything changed. She wasn’t just grieving. She was the only heir. The executor. The decision-maker. [Privacy Notice: To protect the privacy of the individuals we speak with, names and certain identifying details have been changed, and while the stories are based on real conversations, personal information has been altered to maintain confidentiality.]

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