Future prospects for boomer widows aren't helped by Americans' woeful underfunding of their retirement accounts.

But she remains determined to help those boomer widows who feel as terrified and lost as she once did.

In fact, among the boomer widows USAA's Brian Korb surveyed, their number-one regret was not going to a financial planner sooner.

Brian Korb's study of boomer widows found that many describe the experience as being in a permanent "fog," or akin to having had a stroke.