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If you’ve recently become a widow or widower, you’re obviously dealing with an enormous emotional burden, and coping with your grief can seem like a full-time struggle. Unfortunately, the business of life must go on – and the financial moves you make at this time can have a big impact on your life.

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The First Amendment reads: Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.

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Over the years, I have been asked to speak to many groups and individuals about the basics of investing and getting started. Many clients also have asked me to offer their children or grandchildren some insights. 

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One of the reasons I write this column — besides the great wealth and respect it generates for me, not to mention the rambling threats sent in all caps via email from those who don’t agree with my politics — is because it allows me to vent a little bit.