Clients are often times surprised when accounts are frozen after a loved one passes. It is important to speak with your adviser and estate attorney to ensure a smooth transition. Read Tradition's Frani Feit's response to the question, "How can you access the money of someone who has died?" on NJ.com.
Happy 61st Birthday, Fatou. You are getting your cake and eating it too, just like I would like to. I hope you have saved and invested well, or are in great health and plan to work for 10 to 20 more years. Working longer is the best way to assure a great retirement.