You’re in a season of change you never asked for.
Bills to pay. Family who depend on you - their world turned upside down. Financial companies to call. Lawyers to meet with.
The list goes on and on. All you really want to do is have them back. If you can’t do that, you deserve space to grieve for them. And yes – you also deserve peace of mind about your money and your future.
We’re Providers & Families Wealth Management.
We’re an independent, husband & wife team, and we’re fiduciaries – legally obligated to put your best interests first. Our combined experience is to help widows just like you feel safe and confident about financial decisions.
Meet the Team
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Scot Whiskeyman, CFP®
Partner & Advisor
Scot has been helping widows since he became a financial advisor in 2011. Scot’s approach is to lead with warmth, empathy, patience, and listening. Scot believes that your pace is the only pace that matters right now. Having started his career with a major life insurance company, he can assist you with locating policies, filing claims, choosing settlement options, and feeling confident about the decisions you make next. His expertise includes transitioning retirement accounts, coordinating with insurance and legal professionals, and simplifying the needlessly complex.
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Lindsey Ciarrocca, CMC (Certified Money Coach)
Partner & Advisor
Lindsey has been helping women in transition since 2016. Her approach is to lead with compassion, gratitude, listening, and a warm smile. Lindsey believes women deserve to feel empowered about their money so they can live their best life. As a Certified Money Coach, Lindsey can help you feel more confident about your financial decisions as you navigate the choices you’re faced with, and empower your inner money warrior so that you’re in control.
How We Work With You
Meet and get to know each other
Intro Call
Your Story
Share more about your situation
A Plan at Your Pace
We handle the complexity, together
We meet you where you are
Widows come to us at different points. We are ready to help you at any stage.
EARLY TRANSITION
Just after loss
Insurance claims, locating accounts, prioritizing, short-term needs
MID TRANSITION
6-24 months after loss
Outstanding to-dos, account
consolidation, organization
LATER TRANSITION
2+ years after loss
Medium- and long-term goals,
plan monitoring, ongoing support
Our goal is to help you feel less overwhelmed, more stable, and more supported, no matter where you are at.
Common Ways We Help
Your discovery conversation is where we begin mapping out what’s most important to you.
No two situations are exactly alike - these are just examples, and may or may not apply to you.
Coordinating with legal
and tax advisors
Taking care of near-term bills and expenses
Consolidating retirement
accounts
Investing life insurance proceeds wisely
Completing and filing forms
Contacting financial
companies together
When you’re ready, we’ll map out your long-term goals and financial trajectory together. You’ll have our guidance and support for all the unknowns that come along. And as life continues to evolve and change, we’ll be there. We mean that.
Our Promise To You
When you work with us, you can expect:
Grief and financial decisions make strange bedfellows, and each one deserves its own separate focus and attention.
Your pace, always
A plate you can handle
We handle the technical complexities, so you don’t have to.
Ongoing support
We want what’s best for you, and we’re committed to your long-term success. That means no one-time transactions. We’re here to stay.
Why We Work With Widows
You’re at the intersection of two needs:
expertise and compassion.
The person in your corner should be focused on helping you, not selling you something.
You shouldn't have to worry you'll be ignored, met with apathy, or pressured.
You deserve a high level of attention, expertise, and care — right now — as you navigate this unimaginably difficult time. As independent advisors, we answer to you, not shareholders or managers. And as a husband-and-wife team, your safety and success are personal to us.
Your needs should lead the way, always.
Two sets of ears.
Two unique perspective.
Over two decades of combined experience.
One commitment: you.
Fees to Work with Us
Fiduciary advice. Transparent, easy-to-understand fees.
$4,500/yr
+$2,000 one-time
initiation fee, reflecting initial intensity.
+
1.00%/yr*
On investments we manage for you.
*Excludes fund fees, which vary based depending on actual funds utilized.
Providers & Families has a $500,000 investment minimum. Exceptions made at owners’ discretion.
See our Form ADV for breakpoints and more information.
Ready to talk?
So are we! Schedule your complementary intro call here.
Or visit our resources for widows page - free information, instantly available - no signups or logins required.
You can also check out our blog.
