Few life events are more devastating than losing a spouse. For surviving military spouses, the days and weeks that follow are marked by profound grief, disorientation, and an overwhelming list of decisions. Some of those decisions can carry long-term impact, including financial impact—offering a path in the darkness toward stability, growth, and even financial legacy. One often overlooked opportunity is the Heroes Earnings Assistance and Relief Tax (HEART) Act Conversion, which gives surviving military spouses the potential to fully fund their retirement accounts, invest for their children’s college, or both, overnight.