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How to Resolve Finances After a Death

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After his mother’s death, Ken Moraif had to unravel her finances. Millions of Americans each year face a similar task, but he had a unique challenge — he had to crack a code.

His mother had detailed her financial accounts in a notebook, but each password was written in code, and clues for deciphering the passwords were written in code. Sorting through his mother’s estate took more than a year, he says.

This level of security was fitting for his mother, a former Morse code operator in the Royal Air Force during World War II. She was “very secretive” about her financial information — even with her son, a certified financial planner at Money Matters in Plano, Texas. “That’s a level of paranoia most people don’t have,” Moraif says.


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