ST. JOSEPH — When Stephanie Kohler walked into Lory’s Place for the first time in 2004, she had lost a baby, Simon; her husband, Matthew; and her father, Leo, all within 18 months.

She and her surviving sons Noah, then 6 and Jacob, then 9, needed help. The boys had lost their father and Kohler had never handled the family’s finances or changed a furnace filter.