I self manage our retirement accounts as most of you all do. My wife has no real knowledge of how to manage our accounts and would not know what to do if I croak first. How have you set up investments for your spouse to begin taking income upon your demise?? When I die my pension stops so she will need to start taking withdrawals. We aren't taking any now. Don't want her to have to go to financial manager if I can help it. The majority of our savings are at Vanguard.