Now That Hes Gone

facilitated by grief-recovery specialists certified by The Institute. The program helps willing participants complete the pain caused by death, divorce, and other losses. The “Grief Recovery Certification Program” expands professional skills in this area of human experience. Some programs are fee-based, some are sponsored. Available in all states.
    www.ssa.gov/pubs/10127.html
    Part of the Social Security Administration's website, focusing on “What Every Woman Should Know”
    www.aarp.com
    The official website of what used to be called The American Association of Retired Persons, but recently shortened to AARP. The organization exists to serve people age 50 and older. Good idea to join regardless of your marital status. Dues are extremely low and benefits are almost too numerous to count. Definitely check this one out.
Locating Lost Insurance Policies
    In Chapter 1, I noted that it's possible your late husband had insurance that you might not have been aware of, and that there are companies which will attempt to locate lost policies for you. I am including the names and websites of two such resources, though I am told that, with the advent of the Internet, this information is easy enough to get on your own. Thus the fees these companies charge might not be worth it. I suggest you try doing such a search on your own and if you feel you need help, then contact one of these organizations.
    www.mib.com/html/Lost-life-insurance.html
    MIB Group, Inc. (“MIB”) is an association of over 500 U.S. and Canadian life insurance companies providing information and database management services to the financial services industry. Organized in 1902, MIB's fraud protection services protect insurers, policyholders and applicants from attempts to conceal or omit information material to the sound and equitable underwriting of life, health, disability, and long term care insurance.
    www.acsupch.com
    This is the website of ACS Unclaimed Property Clearinghouse, which operates MissingMoney.com, a national database established in 1999 to enhance the states’ outreach efforts to locate lost owners. MissingMoney.com enables owners to perform comprehensive searches for lost assets required by law to be turned over to the states.
    ACS is the leading provider of unclaimed property support services to state governments. Currently, ACS contracts with 49 states, the District of Columbia and Puerto Rico to provide services related to the identification, collection and remittance of unclaimed property.
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About the Author

    Beverly Tobocman, ChFC, CLU, LIC is the registered securities principal and managing partner of JBT Financial, Inc., a financial services corporation located in Bloomfield Hills, MI.
    Beverly launched JBT in 2003 after serving in the financial services industry for more than 30 years. Beverly's early entrepreneurial experience included the launch of BodyMotion, a Detroit area exercise studio in the late 1970's. In 1984, her undergraduate work in math and psychology and MBA in finance helped her land a position with Cigna, an $80 billion diverse financial service company. There she studied the financial world and also learned how to attract and retain clients. In 1989 Beverly struck out on her own, eventually forming JBT Financial, an off-site jurisdiction office of FSC Securities, Inc., a registered broker dealer and member of AIG Advisor Group, the largest financial services corporations in the world. The company assists individuals, corporations and foundations in meeting their fiscal goals through financial planning, estate and business planning, tax reduction strategies, retirement planning, investment fiduciary, and charitable contributions and manages more than $1 million in assets.
    Beverly is a member of the Society of Chartered Financial Counselors and is a Chartered Life Underwriter. She served on the advisory board at the FSC from 2002-2004 and is a sought after speaker on the topic of women's investment issues. In addition, she is active in the community with young people, encouraging awareness of mental illness through her support of MINDS, the Mental Illness Needs Discussion Sessions, Think College Now, an organization helping lowincome families to gain access to college and the Art of Leadership Organization which mentors inner-city children from elementary through high school.
    Beverly has two children; Jeremy Olen, who became a partner with JBT Financial in 2003, and her