Step-by-step worksheets, checklists, and planning tools for life's hardest transitions. Instant download. Works in Word, Excel, and Google Drive.
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Step-by-step guidance, editable worksheets, deadline tracking, and a real community — for job loss, divorce, estate planning, and more.
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Focused planning tools for the transition you are navigating right now.
Your first-day action plan after a layoff — what to save before you lose access, what to handle today, and the severance and benefits deadlines that start ticking immediately. Then it routes you to the right tool in this kit for everything that comes next.
Your last day has a longer to-do list than you think — returning equipment, saving personal files, getting copies of benefits paperwork, confirming your last paycheck details. This checklist covers it so nothing critical gets left behind on your way out.
Is the offer fair? This evaluator breaks your severance package into its parts — pay, benefits, equity, outplacement — so you can see what it's actually worth before you sign anything.
Severance is almost always negotiable. This letter helps you identify what to ask for — extended benefits, additional pay, outplacement support — and organize your counter-offer professionally.
COBRA vs. marketplace vs. a spouse's plan — there are more options than you think after losing employer coverage. This worksheet lays them side by side so you can compare costs and coverage.
Track filing dates, weekly certifications, payment receipts, and benefit balance in one place — so the cycle stays predictable when your income isn't.
Organize your evidence, witness statements, and arguments for an appeal hearing — well-documented appeals win far more often than unprepared ones.
Driving, freelancing, selling — side income adds up fast, and so do the tax surprises. This tracker logs every gig, payment, and expense so nothing bites you at tax time or on your unemployment certification.
Your income just changed. This worksheet maps your new financial reality — what's coming in, what's going out, where to cut first, and exactly how many months of runway you have.
Compare cash-out, rollover, and leave-it scenarios with tax impact estimates — so you don't accidentally trigger a 10% early-withdrawal penalty.
Track vested vs. unvested equity, exercise deadlines (often just 90 days after termination), and tax implications — so options don't expire while you're sorting out the rest.
A lower-income year can unlock credits and assistance you've never qualified for before — EITC, SNAP, utility relief, and more. This screener walks you through what to check.
When you're applying to dozens of jobs, things get lost fast — which resume you sent, who you talked to, what's next. This tracker keeps every application, networking contact, informational interview, and follow-up in one place.
Two offers rarely line up neatly. This calculator puts salary, benefits, equity, commute, and growth side by side so you can compare what each offer is really worth.
Asking a former boss or colleague for a reference feels awkward. This letter makes the ask professional and easy — and gives them exactly what they need to say yes.
Thinking about a bootcamp, certification, or degree? This worksheet weighs the cost and time against realistic salary outcomes — before you commit money you're trying to protect.
Large layoffs often require 60 days' advance notice under the WARN Act. This checker helps you figure out whether your layoff qualified — and what you may be owed if it didn't.
Compare income-driven repayment, deferment, and forbearance options — most federal loans have hardship paths most people don't know about.
Behind on payments after losing your job? This letter notifies your creditors and requests temporary relief — most have hardship programs, but you have to ask.
Lost your job. Know your next move. 19 worksheets for unemployment, COBRA, severance, and financial stabilization.
You just lost your job and your head is spinning — severance deadlines, health insurance decisions, unemployment filing, and a budget that no longer works. This bundle organizes every task from day one through your next offer so nothing falls through the cracks while you're figuring out what's next.
There may be Social Security survivor benefits, pension benefits, or life insurance payouts you're entitled to. This worksheet helps you identify and organize every potential claim.
Notifying a loved one's employer is one of those tasks nobody prepares you for. This letter handles it respectfully and covers what HR needs to process final pay and benefits.
You've been named executor and need to notify banks, agencies, and institutions. This letter introduces you in that role and requests the information you need to settle the estate.
After a death, your own beneficiary designations probably need updating — life insurance, retirement accounts, bank accounts. This worksheet walks you through every one.
Catalog assets, accounts, debts, and personal property with values and locations for the estate file — the document the probate court typically requires.
Every bank account, investment account, and financial institution needs to be notified. This letter handles the notification and requests information about what happens next.
Notifying the three credit bureaus prevents identity theft and fraudulent accounts in your loved one's name. This letter handles all three — Experian, Equifax, and TransUnion.
Electric, gas, water, internet — every utility needs to be transferred to a surviving household member or cancelled. This letter handles either situation.
Streaming services, gym memberships, magazine subscriptions — they add up fast if nobody cancels them. This letter handles cancellations so you're not paying for accounts nobody's using.
Filing a life insurance claim means gathering a death certificate, policy number, and beneficiary documentation. This tracker organizes what the insurer needs so your claim doesn't stall.
Email, social media, online banking, cloud storage — a person's digital life doesn't close itself. This worksheet helps you catalog every account and plan what to memorialize, close, or transfer.
Transferring a vehicle title after a death means a DMV visit with very specific paperwork. This worksheet organizes the documents, fees, and questions before you go — so one trip is enough.
Accessing a deceased person's safe deposit box requires specific documentation. This letter requests access and outlines your role — so the bank knows you're authorized.
Writing an obituary while grieving is one of the hardest things you'll do that week. This guide walks you through what to include, in what order, with prompts for the details that matter most.
Track every institution notified — bank, credit bureaus, utilities, employers, insurers — with what each requires and what's still outstanding.
Settling an estate takes months — sometimes over a year. This checklist breaks the entire process into phases with deadlines, so you know what to handle now, what's coming next, and what the court expects by when.
Funeral home, burial vs. cremation, service details, obituary placement, flowers, reception — there are dozens of decisions to make in the first few days. This worksheet organizes all of them so you're not making choices on the fly while grieving.
You inherited a house, a car, or other property — and now you need to decide what to do with it. This worksheet helps you weigh your options (keep, sell, rent, transfer), understand the tax implications, and organize the next steps.
Estimate the gross estate for tax planning and probate threshold determination — before things get complicated.
Organize service style, location, cost decisions, and family input — separate from the broader Final Arrangements worksheet, focused just on the service.
The first day is a blur. This guide covers only what truly has to happen now — who to call, what to secure, what paperwork to protect — and what can wait.
Not every estate needs full probate. This worksheet helps you figure out whether the estate qualifies for a simpler small-estate process — with a reference tab covering all 50 states plus D.C.
Executors have to account for every dollar in and out of the estate. This ledger tracks deposits, payments, and your own reimbursable expenses — the record the court and heirs will want to see.
Inherited assets usually get a stepped-up basis — and documenting it now can save heirs real money later. This organizer records date-of-death values for every asset before the records get hard to find.
Widowed spouses can often claim a survivor benefit first and switch to their own later — or the reverse. This calculator compares the sequences so you don't leave money on the table.
If the estate earns income while it's being settled, it may need its own tax return. This organizer gathers what the preparer needs for Form 1041 — income, deductions, and distributions.
You can't do it all this week — and you don't have to. This planner helps you sort estate tasks into now, soon, and later, so the urgent things get done without burning you out.
Distributing the estate is the last big step — and the one most likely to cause family friction. This planner maps who gets what, when, and documents each distribution as it happens.
Not every debt has to be paid — and there's a legal order for the ones that do. This tracker logs every creditor claim, its validity, and its priority so the estate pays only what it should.
The to-do list no one is prepared for. 29 documents for estate settlement, benefits claims, and notification letters.
Someone you love just died and there are dozens of things to handle that nobody prepared you for — benefits claims, bank notifications, account closures, executor duties, and final arrangements. This bundle walks you through all of it so you're not Googling what to do next at midnight.
Your first-day action plan after being served — what to do, what NOT to sign, and the response deadlines that start ticking immediately. Then it maps your route through the rest of the bundle.
A step-by-step checklist for filing without an attorney in states that allow it.
Divorce runs on court deadlines — discovery requests, disclosures, responses. This tracker logs every due date and what's still outstanding so nothing gets missed or defaulted.
Courts require full financial disclosure. This worksheet helps you organize every account, asset, and debt before the process starts — so nothing gets missed or forgotten.
During divorce, every account, property, vehicle, and valuable needs to be documented. This worksheet organizes it all in one place so you walk into negotiations prepared.
Keep the house, sell it, or buy out your spouse? This calculator runs the real numbers on each option — equity, affordability, taxes — before emotions make the decision for you.
Sort out filing status, dependency claims, support payments, and asset transfers for the tax year your divorce closes — when it's all unfamiliar.
Joint debt doesn't disappear with a decree — creditors can still come after you. This tracker maps every shared account and what it takes to separate, close, or refinance each one.
Walk through your priorities, walk-away points, and trade-offs before you sit down at mediation or with attorneys.
Offers and counter-offers get confusing fast. This worksheet puts competing settlement proposals side by side — assets, support, and long-term value — so you can see what you're really agreeing to.
How would different support amounts actually play out? This planner models scenarios for both households so you can walk into negotiations with numbers, not guesses.
Draft custody schedules, holiday rotations, communication rules, and decision-making protocols in the format most courts expect.
Travel, medical decisions, school enrollment — when your child needs to do something and you share custody, these letters cover permission clearly and professionally.
Letters and worksheets to notify schools of custody changes, update emergency contacts, and reset pickup authorizations.
Document missed exchanges, violations, and concerning incidents with dates and details — the paper trail you'll want if things go back to court.
Organize pet ownership, visitation, vet costs, and care decisions — so a beloved pet doesn't become collateral damage.
Organize income changes, support calculation worksheets, and the request format your state typically uses.
Losing coverage through your spouse's plan? Compare COBRA, marketplace, and employer options side by side — with deadlines, because some enrollment windows close fast.
The decree is final. Now what? This checklist walks you through every financial step to rebuild — new budget, new accounts, updated beneficiaries, and what to do in between.
Every support payment made or missed matters if you ever go back to court. This ledger logs dates, amounts, and methods — the clean record that settles disputes.
One household just became two. This worksheet rebuilds your budget around your income alone — what's essential, what's negotiable, and where the gaps are.
Gather the pension plan details, account information, and election decisions your QDRO attorney needs before drafting.
Military pensions divide under their own federal rules. This workbook walks through USFSPA division, the 10/10 rule, and Survivor Benefit Plan elections — details civilian attorneys often miss.
Whether a former spouse keeps TRICARE depends on specific service and marriage duration rules. This worksheet checks your eligibility — 20/20/20, 20/20/15 — and maps coverage options if you don't qualify.
Come to the table prepared. 24 documents for finances, co-parenting, and protecting your interests.
The decisions you make in the first few weeks of a divorce affect your finances, your custody arrangement, and your future. This bundle helps you organize everything — financial disclosure, asset inventory, parenting plan, QDRO prep, and every account that needs updating — so you walk into every conversation prepared.
Your first-day action plan after a life-changing diagnosis — what to document now, who to notify, and the claim deadlines that start ticking immediately. Then it points you to the right organizer in this bundle for each step that follows.
The SSDI application asks for years of work history, medical records, and doctor information. This worksheet organizes everything you need before you start — so you don't have to scramble mid-application.
Your doctor, specialists, and care team need permission to share records with each other — and with Social Security if you're filing. This letter gives them clear, documented authorization.
Your SSDI case depends on documentation. This diary helps you track daily symptoms, limitations, and how your condition affects work — the kind of detail that strengthens your claim.
Disability claims are won on medical evidence. This log tracks every provider, visit, test, and record request — so when the claim asks for proof, you know exactly where it is.
Filing a short- or long-term disability insurance claim means gathering medical records, policy details, and employment documents. This organizer lays out exactly what to collect and where to send it.
Most initial disability claims get denied — and appeals run on strict deadlines. This tracker logs every denial, appeal level, filing window, and follow-up so you never lose a claim to a missed date.
An overpayment notice is scary — but you have options: appeal, waiver, or a payment plan. This planner helps you understand the notice and organize your response before the deadline.
You have the legal right to take unpaid, job-protected leave under FMLA. This letter puts your request in writing so there's a clear, documented record.
Under the ADA, you have the right to request reasonable accommodations at work. This letter puts your request in the language employers expect — and includes follow-up and escalation letters if you don't hear back.
After you request an accommodation, the ADA requires an "interactive process" with your employer. This log documents every meeting, offer, and response — the record that protects you.
SSDI, LTD, workers' comp — benefits offset each other in ways that surprise people. This calculator shows how your benefits interact so you know what you'll actually receive.
Your income changed, maybe for a while. This worksheet rebuilds your budget around what's actually coming in — essentials first, cuts identified, and assistance programs flagged.
A new diagnosis changes everything — including who's on your accounts and whether your legal documents are current. This tracker walks through every beneficiary designation, POA, and directive that needs a review.
Ramps, bathroom modifications, stair lifts — accessibility work is expensive and quotes vary widely. This worksheet compares contractor bids and maps funding sources, from Medicaid waivers to grants.
When someone is stepping in to help with your care, appointments, or paperwork, this letter gives them the authorization they need to act on your behalf.
When family shares caregiving, resentment builds fast without a plan. This worksheet organizes who covers what — shifts, tasks, and costs — fairly and in writing.
You can work while on disability benefits — within limits. This tracker logs your earnings against SSDI and SSI thresholds so a paycheck never accidentally costs you benefits.
Ready to go back? This letter notifies your employer professionally, confirms your return date, and addresses any accommodations you may need for the transition.
The system is complicated. Your paperwork doesn't have to be. 19 documents for SSDI, FMLA, and workplace accommodations.
The disability benefits system is overwhelming on purpose — long applications, short deadlines, and a 65% initial denial rate. This bundle organizes your SSDI paperwork, tracks every deadline, and helps you document what matters so you don't lose benefits you're entitled to.
Every task, deadline, address change, and box — one command center for your whole move, from the decision through the first month in the new place.
Your first-day action plan once the move is real — the notices to give, the dates that lock in fast, and the budget decisions that matter immediately. Then it maps your route through the rest of the bundle, from movers to closing day.
That higher salary might not go as far. This worksheet compares real costs between cities — housing, taxes, insurance, utilities — so you know what the move actually does to your budget.
New city, big question. This calculator compares renting and buying with the numbers that matter — monthly cost, upfront cash, break-even timeline — for your actual situation.
Employer relocation money is usually taxable income. This calculator shows what your package is worth after taxes — and whether the gross-up actually covers the hit.
How much will you actually walk away with — and will it arrive in time to close on the next place? This planner maps sale proceeds, payoff amounts, and timing gaps.
Selling your home? Up to $250k/$500k of gain can be tax-free under Section 121 — if you qualify and can document your basis. This workbook organizes both.
Agents pitch hard. This worksheet compares candidates on the things that matter — pricing strategy, commission, marketing plan, track record — so you choose on evidence, not charm.
The highest offer isn't always the best one. This worksheet compares offers on price, financing strength, contingencies, and timeline — the full picture before you accept.
Rate quotes are designed to be hard to compare. This worksheet lines up lenders on rate, points, fees, and total cost so the real cheapest option is obvious.
Wire fraud costs homebuyers their entire down payment — and it's almost never recoverable. This checklist locks down verification steps before you send a single dollar.
Think your new assessment is too high? This tracker organizes your property tax bills and builds the comparable-sales case for an appeal — with your county's deadlines.
The first months in a new home come with their own list — utilities, systems, maintenance schedules, warranty registrations, and who to call. This kit organizes all of it.
Moving scams are real and expensive. This worksheet compares quotes and vets each company — license numbers, insurance, complaint history — before your belongings get on a truck.
Moves always cost more than the quote. This tracker budgets every category — movers, supplies, travel, deposits, overlap rent — and logs actual spending against it.
Move mid-year and you may owe taxes in two states. This organizer splits your income, tracks residency dates, and gathers what your preparer needs for both returns.
Breaking your lease doesn't have to mean burning a bridge. This letter handles the notification professionally and helps you understand your obligations under the lease.
Most leases require written notice before you move out — and missing the deadline can cost you your deposit. This letter gives proper notice on the record.
Your deposit is your money — but getting it back takes documentation. This worksheet records move-out condition, tracks your state's return deadline, and organizes your paper trail.
When your kids are changing schools mid-year or between districts, this letter introduces them to the new school, requests the records transfer, and makes sure nothing gets lost between districts.
Moving to a new state affects your taxes, benefits, and employment status. This letter notifies your employer professionally — because they need to know even if your job doesn't change.
Selling a home or buying in an HOA community? Both associations need to be notified. This letter handles the transfer cleanly so nothing follows you (or surprises the new owner).
Military moves have their own rules — entitlements, weight allowances, temporary lodging, and reimbursements. This organizer tracks your PCS from orders to final claim.
Deadline passed and no deposit? This letter formally demands its return, cites your state's law, and creates the paper trail you'll need if it goes to small claims.
New state. New address. Nothing forgotten. 24 documents for everything that changes when you move.
Moving to a new state means updating everything — your address with dozens of accounts, your lease, your utilities, your kids' schools, your vehicle registration, even your pets' records. This bundle makes sure nothing gets missed and nothing gets double-billed.
Giving notice of your retirement is different from quitting. This letter handles it with the professionalism and gratitude the moment deserves — and covers what HR needs to process your exit.
Retiring after 65 with employer coverage? You'll need your employer to verify that coverage for your Medicare Special Enrollment Period. This request gets the form completed — so you avoid the late penalty.
Designating a power of attorney is one of the most important things you can do in retirement. This checklist helps you organize what your POA will need to know — and what documents to prepare.
This isn't a will — it's the practical companion to one. Where the accounts are, who to contact, what the passwords are, what you'd want them to know. Everything in one place.
Not about money or property — this is about what you want your family to know. Your values, your stories, the things you hope they carry forward. A guided worksheet to help you write it.
Your first-day action plan once you've picked a date — who to notify, the enrollment windows that start counting down, and the financial decisions that can't wait. Then it routes you to the right planner in this bundle for each one.
When to claim, what you'll get, and what the application asks for. This kit organizes your work history and estimates, compares claiming ages, and preps you for the application itself.
Lump sum or monthly payments? Survivor benefit or higher payout? These decisions are permanent. This calculator puts your options side by side so you can compare before you commit.
Retiring before 65? You'll need health insurance to bridge the gap until Medicare kicks in. This worksheet compares your options — COBRA, marketplace, spouse's plan — side by side.
Original Medicare, Medicare Advantage, Medigap, Part D — the options are genuinely confusing. This worksheet breaks down what each covers and compares total costs for your situation.
Once you hit RMD age, missed distributions carry steep penalties — and qualified charitable distributions can satisfy them tax-free. This planner tracks both across all your accounts.
Converting just enough each year to fill your current tax bracket can save serious money over a retirement. This calculator shows how much room you have — before you convert.
Medicare enrollment has specific windows, and missing them means paying more for coverage — sometimes permanently. This calculator maps your personal enrollment timeline so every deadline is on your calendar.
Can you actually afford to retire? This calculator runs your savings, income sources, and spending against your timeline — so the answer is a number, not a feeling.
Nobody sends you a paycheck in retirement — you build your own. This planner maps which accounts to draw from, in what order, and how much tax to withhold.
Most people will need some long-term care — and it's the biggest unplanned expense in retirement. This planner estimates costs for your area and maps how you'd cover them.
Retiring is a natural time to clean house — consolidate old accounts and review who's listed on your retirement accounts, life insurance, and pensions. This worksheet walks through all of it.
The last year before retirement has a task for nearly every month — benefits elections, enrollment windows, notifications. This tracker sequences your final 12 months so nothing sneaks up.
Annuities are complicated on purpose. This worksheet compares quotes on payout, fees, riders, and insurer strength — so you can see what you're actually buying.
FERS, TSP, military pensions, and survivor elections follow their own rules. This organizer tracks the federal and military side of your retirement — forms, dates, and decisions.
Retiring without nearby family means building your support system on purpose. This roster maps who you'd call — for emergencies, decisions, and everyday help — before you need them.
You planned the career. Now plan the exit. 21 documents for Medicare, Social Security, and legacy planning.
You planned the career — now there are deadlines for Social Security, Medicare enrollment windows, pension elections, and beneficiary updates that most people don't know about until it's almost too late. This bundle organizes every decision and deadline so you retire on your terms, not by accident.
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