Okay so this one comes from a reader comment on the last article. “Part 1: Cannot siam US estate tax easily. Part 2: Where your spouse can find your money. We need a Part 3 — how your spouse should set up a fuss-free portfolio when they are less financially savvy.” Fair point. Part 1 covered how long your family waits before they see a cent. Part 2 covered the one-page plan so they can actually find the money. Neither answered the obvious next question — what do they do with it once they have it? And the honest starting point is this: the goal is not to turn your spouse into a hardcore investor picking 30 different stocks globally and managing stop losses. The goal is to build a portfolio that doesn’t need them to be one. In this article, I’ll cover:

• What the portfolio has to do when you’re not there
• The 3 holdings (plus cash) I would consider using — and the robo alternative

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