Immediate Actions (First Week)
The days following a death are overwhelming, but certain tasks need prompt attention:
- Obtain the death certificate — request 10-15 certified copies
- Secure the property — change locks if necessary, check on pets
- Locate the will and any trust documents
- Notify close family members and begin funeral arrangements
- Contact the employer about benefits and final paycheck
First Month Tasks
Once the initial shock has settled, begin the administrative work:
- File the will with the probate court
- Open an estate bank account for managing estate finances
- Notify government agencies (Social Security, VA, Medicare)
- Cancel subscriptions and recurring payments
- Redirect mail to your address or a P.O. box
Financial Inventory
Creating a complete financial picture is essential:
- Bank accounts: checking, savings, CDs
- Investment accounts: brokerage, retirement (401k, IRA)
- Real estate: primary residence, rental properties, land
- Insurance policies: life, property, auto
- Debts: mortgages, loans, credit cards
- Personal property: vehicles, jewelry, collectibles
Working with Professionals
Don't try to do everything alone. Consider hiring:
- Probate attorney — especially for complex estates or disputes
- CPA or tax professional — for estate tax returns
- Appraiser — for real estate and valuable personal property
- Financial advisor — for managing estate investments
Common Mistakes to Avoid
- Distributing assets before paying debts
- Missing tax filing deadlines
- Commingling personal and estate funds
- Failing to keep detailed records
- Making decisions without consulting all beneficiaries