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Our November 2026 Newsletter: The Financial Checklist Following the Loss of a Loved One

Our November 2026 Newsletter: The Financial Checklist Following the Loss of a Loved One

November 05, 2026

The Financial Checklist Following the Loss of a Loved One

Losing a loved one is one of life’s most difficult experiences, and in the midst of grief, families are often faced with a long list of unexpected responsibilities. Beyond making funeral arrangements and notifying family and friends, there are important legal, financial, and administrative matters that must be addressed in the days, weeks, and months that follow. The sheer volume of decisions and paperwork can feel overwhelming at a time when emotions are already running high.

While every situation is unique, having a clear roadmap can make the process more manageable. From obtaining death certificates and securing property, to settling financial accounts and distributing assets, there are crucial steps that help ensure your loved one’s affairs are handled properly.

The article, What to Do When a Loved One Dies, outlines the most important tasks to tackle after a death, providing practical direction and helping families focus on what matters most: honoring their loved one and supporting one another through a difficult transition.

To request Saratoga Financial Services' Financial Checklist Following the Death of a Loved One, click here. SFS is here to help guide you through this difficult time; please don't hesitate to call us with your questions.

Cybersecurity Best Practices

Safeguarding your assets and sensitive data is among Saratoga Financial Services & LPL Financial's highest priorities. You also have a critical role to play. Explore the following collection of educational materials and best practices from LPL's team of cybersecurity experts.

Click the graphics below to open them in a larger, easier to read format.

Did You Know: 4 Fun Facts About Money*

There’s a Reason US Dollars Are Green

Dollar bills weren’t always green. Colonial money, for example, was tan with black or red ink. It wasn’t until the Civil War that the government started using green ink to print paper money, which is how it got the name “greenbacks”. This color was selected because the ink didn’t fade or easily decompose, protecting against counterfeiting.

There Are 1.2 Billion $2 Bills Still in Circulation

The first $2 bills were printed in 1862. Although they originally featured Alexander Hamilton, they were later redesigned to feature Thomas Jefferson. These bills are still in circulation (1.2 billion of them, in fact) and considered to be the rarest currency denomination in the U.S. Some people believed that $2 bills were bad luck, so they would rip off the corners of the bills to undo the curse, making them unusable.

America Isn’t the Only Country That Uses the US Dollar

Besides the United States and its five inhabited territories, 11 countries in the world also use the U.S. dollar, the world’s reserve currency, as their official currency. These are the British Virgin Islands, Timor-Leste (or East Timor), Bonaire, Ecuador, El Salvador, Federated States of Micronesia, Marshall Islands, Republic of Palau, Sint Eustatius, Saba, and Turks and Caicos.

A Penny Costs More to Make Than It’s Worth

The most recent report from the U.S. Department of the Treasury said it costs 3.69 cents to make a penny, up from 1.3 cents 10 years prior. Why the increase? Part of it could be the higher prices of copper and zinc, both of which were used to make pennies. Higher labor and overhead costs may also have been contributing factors. The Treasury stopped producing new pennies in late 2025 due to the costs involved. However, pennies are still in circulation and recognized as legal tender.

*sofi.com

So Thankful for Saratoga Springs!

We're officially in the busiest, most festive time of year, and Saratoga Springs is here for it! Whether you're looking to try a new restaurant or attend a fun-filled charitable event, Saratoga has a ton of options. Here are a few you may want to add to your calendar:

11/2 - 11/8: Discover Saratoga's Annual Restaurant Week

11/21: Special Olympics New York 2026 Lake George Polar Plunge

11/26: 25th Annual Christopher Dailey Foundation Turkey Trot

For the complete events calendar, click here.