For readers · The Widow’s Tax Trap
The Widow’s Tax Trap: free printable worksheets
Four printable worksheets for couples and survivors: who owns what and what continues to a survivor, a rough single-filer estimate, a year-of-death tax checklist, and Roth conversion room for couples.
By James R. Ustby, CFP®. The Widow’s Tax Trap is one of the Plain-English Money Guides. This page is the free printable companion to the book. You do not have to sign up.
Free for readers
Download the worksheets.
Printable PDF, free. No form and no email. The file downloads when you click the button.
Prefer to talk it through?
Bring the worksheets, or just the question. No obligation.
What readers get
The worksheets, and where to go next.
- Printable PDF, free. Six pages. The download starts when you click the button. There is no form.
- Four worksheets from the book. Fill them in from your own statements and take them to your tax professional. They do not tell you what to do.
- Reference tables and a timeline. The 2026 federal tax brackets and a timeline of what changes when for a survivor who does not remarry, copied from the book. Figures are 2026 federal amounts and can change.
- A conversation, if you want one. The worksheets are educational and are not advice on your situation. Bring them to your tax professional, or book a free call.
On this site
- After losing a spouse: the first-year money checklist
- What age should you take Social Security if you are married?
- Roth conversion worksheets from The Roth Conversion Decision
- Tax worksheets from Taxes in Retirement, Simplified
- Estate and survivors articles
Educational only. Not tax, legal, or investment advice. Downloading does not create an advisory relationship. Consult your own tax professional and advisors about your situation.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates.
The LPL Financial registered representative associated with this site may discuss and transact securities business only with residents of the states in which they are properly registered or licensed. No offer may be made or accepted from any resident of any other state.
This material is for general information only and is not intended to provide specific advice or recommendations for any individual. Neither LPL Financial nor its representatives provide legal or tax advice; please consult your attorney or tax advisor regarding your specific situation. No strategy assures success or protects against loss. Examples are hypothetical and for illustration only.