I’m 65 and my retirement plans blew up when my husband died. My mom had dementia. Should I prepare f

I’m a 65-year-old widow and a retired oil and gas accountant. I’ve always done my own financial planning, and I am in great shape financially. I’ve always enjoyed managing our finances and had a very reasonable plan in place (converting traditional IRA to ROTH, planning my own asset allocation, etc.). But my retirement plans blew up when my husband died three years ago.

I’ve had to adjust my plans, based on now being in a single tax bracket and everything else that goes along with that, but I’m still doing fine. I also realize that my mental abilities will decline as I age. I hate paying a percentage of my assets to a total stranger for them to do what I’ve always successfully done on my own.

https://www.marketwatch.com/story/im-65-and-my-retirement-plans-blew-up-when-my-husband-died-my-mom-had-dementia-should-i-prepare-for-the-worst-af73465a