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Helen Golay & Olga Rutterschmidt: The Black Widows of Los Angeles

9 minutes ago
17 min read

Los Angeles has never had a shortage of people searching for easy money.

Helen Golay and Olga Rutterschmidt came up with a truly terrible way to get it.



When police finally uncovered their scheme, both women were in their seventies. Golay had worked as a real estate agent and owned property. Rutterschmidt was a Hungarian immigrant who used to run a coffee shop with her husband.

They did not fit the usual image of calculated killers. That may have been one of their biggest advantages.

Prosecutors said the women befriended vulnerable homeless men, gave them apartments and food, took out several life insurance policies on them using fake relationships and financial details, waited until the policies could no longer be challenged, and then arranged for the men to be killed by cars.

Their victims were Paul Vados, 73, and Kenneth McDavid, 50. The women eventually collected about $2.8 million from their deaths in what became known as the Black Widow murders of Los Angeles.

“They didn’t target wealthy men. They targeted vulnerable men—and made them worth more dead than alive.”

But instead of marrying wealthy men and killing them for their money, Golay and Rutterschmidt did the opposite. Their victims had almost nothing, so the women created the financial value themselves.

They made these men worth more dead than alive.

Then they waited.


Two Very Different Women Find Each Other

Helen Louise Salisbury was born in Eastland County, Texas, in 1931. Her childhood was unsettled. After her father died when she was young, she lived with relatives, friends, and later foster parents. She went to high school in Washington state, where a former friend remembered her as an honor-roll student.

After graduating, Helen moved to California.

She married dentist Vernon Golay, and they had two daughters during their about nine-year marriage. Helen later had a third daughter and, in 1970, married engineer David J. Wells. That marriage lasted about a year.

By the 1980s, Golay was working in real estate. She bought rental properties in Santa Monica and other places, and some tenants and acquaintances saw her as an aggressive landlord who often went to court. According to the Los Angeles Times, court records showed that Golay and Rutterschmidt were involved in dozens of lawsuits over the years. Rutterschmidt's road to Los Angeles began thousands of miles away.

Olga was born in Hungary in 1933 and lived through World War II as a child. She later talked about being hurt during bombing raids. She finished high school in Hungary and moved to the United States in 1957.

She married Endre Rutterschmidt, and together they once ran a coffee shop in Los Angeles. They had no children and later divorced.

By the 1970s, Olga was living in a Hollywood apartment building where she stayed for decades. Neighbors described her as eccentric and sometimes argumentative. She liked classical music, jazz, hiking in Runyon Canyon, and often took disputes to court.

During the fitness craze of the 1980s, Helen and Olga met at a health spa in West Los Angeles. Their friendship was unlikely. Helen was seen as more polished and financially successful, while Olga lived more simply, spoke with a strong Hungarian accent, and had a bold personality. Still, both women seemed very interested in money.

Investigators later believed the two women started with small schemes before moving on to much darker crimes. The Los Angeles Times reported claims about questionable lawsuits, credit cards, and other financial tricks, though many of these never led to criminal charges.

But what prosecutors proved in court was much worse. Vados was 73 years old when he died. He was Hungarian-born, like Olga, and was homeless or living on the margins of homelessness when the women encountered him.

Vados attended free Sunday meals at the First Presbyterian Church of Hollywood, a program that served people struggling with homelessness and poverty.

Helen Golay and Olga Rutterschmidt were also seen at the church. Prosecutors said the women eventually moved Vados into an apartment. On its surface, it could have looked like extraordinary generosity. Two women helping an elderly homeless man get off the street. But behind the scenes, something else was happening. Life insurance applications were being submitted. Golay and Rutterschmidt jointly obtained four policies on Vados, with each woman receiving a 50-percent beneficiary interest. Golay also obtained three additional policies on her own.

The women were not Vados's relatives. Nevertheless, documents associated with the broader scheme described supposed relationships between the women and their targets, including cousins, aunts, business partners, and, in Golay's case, a fiancée.

This mattered because life insurance companies generally require a legitimate insurable interest when a policy is taken out on someone else's life. You cannot simply walk into an insurance office, select a stranger, and wager hundreds of thousands of dollars on when that person will die.

So according to prosecutors, relationships were invented. And the women paid the premiums.

Then they waited.


The Two-Year Clock

One of the most disturbing elements of the Black Widow case was its patience. Most life insurance policies include a contestability period, typically lasting two years. During that period, an insurer has broader ability to investigate misrepresentations made on an application and potentially rescind coverage.

After the contestability period expires, challenging the policy becomes considerably more difficult.

Prosecutors argued that Helen and Olga understood exactly what that meant. They did not simply insure the men and immediately kill them. They housed them. Fed them. Kept track of them. And waited approximately two years.

Federal court documents described the women paying rent for apartments occupied by Vados and later McDavid, allowing them to monitor the men's whereabouts while the policies aged beyond their contestability periods.

What might have appeared to outsiders as charity, prosecutors argued, was really maintenance on an investment.


November 8, 1999

On November 8, 1999, Paul Vados was found dead in a Hollywood alley. He had apparently been struck by a vehicle. There were no witnesses. Heavy rain washed through the crime scene, destroying or degrading potential evidence.

To investigators at the time, Vados appeared to be another victim of an unsolved hit-and-run, and the case went cold.

Helen Golay and Olga Rutterschmidt then began collecting money. They ultimately received nearly $600,000 in insurance benefits connected to Vados's death.

Even in the aftermath of his death, money apparently remained a source of tension between the women.

According to trial testimony, Rutterschmidt contacted Mutual of Omaha after Vados died and asked to receive her money before Golay received hers.

The insurer refused. Other insurance companies questioned the claims as well.

When one insurer sought court intervention over a Vados policy, his children also asserted claims to the money and questioned the women's involvement. The dispute was ultimately settled, with Vados's family receiving a relatively small portion while Golay and Rutterschmidt received most of the disputed proceeds.

At that point, however, no one had proved Vados had been murdered.

The women then moved on to their next victim.


Kenneth McDavid

Their next known target was Kenneth McDavid.

McDavid was 50 years old and homeless when prosecutors said Helen Golay approached him at a church. She offered him a way off the streets.

According to federal court documents, Golay proposed getting McDavid housing in exchange for his cooperation with paperwork tied to a $500,000 life insurance policy. Eventually, the paperwork became staggering.

Between February 2002 and May 2005, Golay and Rutterschmidt allegedly obtained more than a dozen insurance policies involving McDavid. Altogether, prosecutors said they obtained 19 policies on Vados and McDavid.

The applications painted a version of Kenneth McDavid that barely resembled reality.

Depending upon the document, he supposedly lived at Helen's Santa Monica address or Olga's Hollywood home.

He was represented as having substantial income. Some paperwork reportedly placed his annual income between $50,000 and $150,000. His supposed net worth sometimes reached several million dollars.

In reality, Social Security records reportedly showed McDavid had just $42 in taxable earnings during the year he died.

The women also represented themselves in varying relationships to him. Business partners. Relatives. A cousin. And, in Helen Golay's case, his fiancée.

A supposed business called HKO Associates also appeared in insurance documentation.

The truth was simpler: Kenneth McDavid was a vulnerable man with little money. But on paper, he had become remarkably valuable.

Especially if he died.


A Phone Call Home

One detail about Kenneth McDavid cuts through all the insurance policies, applications, aliases, and millions of dollars.

In the spring of 2005, he telephoned his younger sister, Sandra Salman.

She had not heard from him in approximately ten years. Kenneth left a message telling her that he was okay. He said he was working as a telemarketer for a production company.

He simply wanted to know how she was doing. It would be her last contact with her brother.

Months later, police told Sandra that Kenneth was dead. His family had not even been notified when it happened.

Helen Golay and Olga Rutterschmidt had claimed his remains while presenting themselves as his fiancée and cousin.


June 22, 2005

Shortly before 1 a.m. on June 22, 2005, Kenneth McDavid's body was discovered in a Westwood alley near Wilshire Boulevard. He had been run over.

Again, no eyewitness stood beside detectives with a license plate number. But this time, the killers had left considerably more behind.

Nearby surveillance cameras had recorded a silver station wagon entering or traveling through the area around the time of McDavid's death. Investigators eventually focused on a 1999 Mercury Sable station wagon, and the car had an unusual history.

Prosecutors alleged it had been purchased using identification stolen from a woman named Hilary Adler, who testified that she did not know either defendant. And on the night McDavid died, something remarkable happened. Helen Golay's Automobile Club membership was used to request a tow for the Mercury Sable near the murder scene.

Golay had reportedly called for assistance shortly after midnight from a Chevron station near Westwood and Santa Monica boulevards.

Kenneth McDavid's body was discovered a short time later. Then investigators examined the car. What they found beneath it transformed the case.


The Evidence Under the Mercury Sable

LAPD criminalists examined the underside of the Mercury and discovered blood and human tissue in multiple locations.

DNA testing followed.

The material belonged to Kenneth McDavid.

At trial, a DNA specialist testified that the probability of a random match was about one in a quadrillion.

The forensic evidence also helped investigators rethink what had happened to McDavid—and eventually what had happened to Paul Vados six years earlier.

A forensic pathologist testified that the injuries suffered by the two men were strikingly similar.

Both suffered catastrophic injuries to their upper bodies, including fractures involving ribs, the pelvis, and spine.

Yet their legs showed comparatively little injury.

The pattern suggested something horrifying.

The victims may not simply have been pedestrians accidentally struck by passing vehicles.

The evidence indicated they may already have been lying in the roadway when vehicles drove over them.

What had looked like two unrelated hit-and-run deaths suddenly looked much more deliberate.


Two Detectives Compare Notes

No sophisticated computer algorithm discovered the connection between the two deaths.

It happened when investigators working separate cases compared information.

The same two women kept appearing.

Helen Golay.

Olga Rutterschmidt.

They had been associated with both dead men.

They had claimed both men's remains.

And they had collected life insurance proceeds after both deaths.

Police began looking backward.

Then they began looking forward.

And what they saw frightened them.

Because investigators believed Helen and Olga might already be searching for their next victim.


The Men Who May Have Escaped

Authorities eventually investigated several other vulnerable men who had come into contact with the women.

One of them was Jimmy Covington.

Covington was homeless when Olga Rutterschmidt approached him and offered assistance.

At first, the arrangement seemed helpful.

She gave him a place to stay in an office and bought him food.

Then the questions began.

Social Security number.

Birthplace.

Mother's maiden name.

Family history.

Medical information.

Covington became suspicious.

When he resisted providing some of the information, he testified that Olga became angry.

She appeared at odd hours demanding that paperwork be completed.

Covington eventually left.

It may have saved his life.

By that point, evidence showed the women had already requested an application for an $800,000 life insurance policy on him.

Police also investigated the women's interactions with other men, including Josef Gabor and Nicholas Koos.

Authorities said concern for the safety of additional potential targets contributed to their decision to move in and arrest the women.


Greed Begins to Crack the Partnership

If Helen Golay and Olga Rutterschmidt had once been partners, by 2006 their relationship was deteriorating badly.

The reason was painfully predictable.

Money.

Olga apparently believed Helen was keeping too much of it.

And one of Olga's angry telephone calls would help investigators enormously.

After Kenneth McDavid died, Rutterschmidt telephoned an insurance agent and complained that Helen Golay was fraudulently presenting herself as McDavid's fiancée.

In essence, Olga was complaining about fraud within their alleged fraud.

The call helped lead investigators deeper into the insurance records—and eventually toward evidence connecting the Mercury Sable to McDavid's death.

The partnership was beginning to consume itself.


Arrested Together

Helen Golay and Olga Rutterschmidt were arrested on May 18, 2006.

Initially, federal authorities pursued insurance and mail fraud allegations.

A federal grand jury subsequently indicted them on charges related to the life insurance scheme.

Then Los Angeles prosecutors went further.

On July 31, 2006, state prosecutors filed murder charges.

Both women were accused of murdering Paul Vados and Kenneth McDavid for financial gain and conspiring to commit those murders.

Investigators had no eyewitness who could say, "I saw Helen driving."

Nor could they definitively prove which woman had been behind the wheel during each killing.

But under California law, prosecutors did not necessarily have to.

Their case was that the women had acted together in a conspiracy.

Whether one drove while the other assisted, planned, or facilitated the crime, prosecutors argued that both could be held responsible.


The Conversation They Never Expected Anyone to Hear

After their arrests, police placed Helen and Olga together in an interview room at Los Angeles police headquarters.

They were left alone.

Or so they believed.

Their conversation was being recorded.

It became one of the most memorable pieces of evidence presented during their trial.

Instead of expressing horror that police believed the men had been murdered, much of the women's conversation revolved around insurance, fraud accusations, and money.

At one point Olga castigated Helen for obtaining too many insurance policies, arguing that Helen's greed had attracted attention.

Helen repeatedly tried to quiet her.

The exchange let jurors hear the women's relationship in their own voices: distrustful, accusatory, and deeply concerned about the insurance scheme that had brought investigators to their door.

The prosecution argued that their reaction was telling.

The defense saw it differently.

Olga's attorney argued the recording demonstrated that she knew about insurance fraud but not murder.

Helen's attorney eventually suggested Olga and Helen's daughter Kecia had been responsible for McDavid's killing.

Kecia Golay was never charged in the murders.

By closing arguments, the Black Widows were no longer presenting a united front.

They were pointing fingers at each other.


The Trial

Helen Golay and Olga Rutterschmidt went to trial in Los Angeles County Superior Court in 2008.

The prosecution faced a challenging case.

There were no known eyewitnesses to either killing.

Paul Vados had been dead for nearly nine years.

Rain had devastated his crime scene.

Much of the government's case was circumstantial.

But there was a mountain of it.

Insurance applications.

Beneficiary records.

Rental payments.

False representations about relationships to the victims.

Vehicle records.

Surveillance footage.

The Automobile Club towing call.

The remarkable similarity between the victims' injuries.

And most devastatingly, Kenneth McDavid's DNA beneath the Mercury Sable.

Prosecutors also demonstrated that after each victim died, the same two women appeared to claim the remains and collect the insurance benefits.

To the state, coincidence had been stretched beyond credibility.


Guilty

On April 16, 2008, jurors convicted Helen Golay of the murder and conspiracy charges involving both Paul Vados and Kenneth McDavid.

The verdicts against Olga Rutterschmidt came in stages.

On April 17, she was convicted of murdering Kenneth McDavid and conspiring in his death. Jurors initially struggled to reach agreement over her responsibility for the death of Paul Vados.

After additional deliberation, they reached a decision.

On April 21, 2008, Olga Rutterschmidt was found guilty of the first-degree murder of Paul Vados and conspiracy in his killing as well.

Both Black Widows had been convicted.


Life Without Parole

At sentencing, members of the victims' families finally had the opportunity to speak.

On July 15, 2008, Superior Court Judge David S. Wesley sentenced Helen Golay, 77, and Olga Rutterschmidt, 75, to life in prison without the possibility of parole.

Prosecutors had decided not to seek the death penalty, largely because of the women's advanced ages.

Judge Wesley made clear what he believed had driven the crimes.

Greed.

He told the women that Paul Vados and Kenneth McDavid had been sacrificed for their financial ambitions.

B y then, prosecutors said the women had collected approximately $2.8 million from the two deaths—about $600,000 connected to Vados and roughly $2.2 million connected to McDavid.

The women maintained their innocence and pursued appeals.

But neither would leave prison.


Why the Black Widow Murders Are So Disturbing

There are murder cases driven by rage.

Others by jealousy.

Some erupt during an argument and end in seconds.

This was different.

The murders of Paul Vados and Kenneth McDavid required patience.

Paperwork.

Premium payments.

Rent checks.

Insurance applications.

Fabricated relationships.

And time.

According to prosecutors, the women didn't simply identify victims.

They cultivated them.

They offered vulnerable men something most of us would regard as kindness: housing, meals, companionship, and stability.

Then that kindness became part of the mechanism that made the murders possible.

Perhaps the darkest aspect of the scheme is that the women did not target wealthy people.

They targeted men whose lives they believed the world would not examine closely.

Men without permanent homes.

Men disconnected from their families.

Men whose deaths might initially be written off as tragic accidents in dark Los Angeles alleys.

The scheme depended not merely upon insurance law.

It depended upon invisibility.


Paul and Kenneth Were More Than Insurance Policies

That is why it matters to remember their names.

Paul Vados.

Seventy-three years old.

A man who had fallen on difficult circumstances and accepted what appeared to be help.

Kenneth McDavid.

Fifty years old.

A man who, shortly before his murder, called a sister he had not spoken to in a decade simply to tell her he was okay and ask how she was doing.

To Helen Golay and Olga Rutterschmidt, prosecutors argued, these men became signatures on applications.

Premium payments.

Contestability dates.

Beneficiary designations.

Potential payouts.

But they were human beings.

And whatever difficulties had brought them onto the streets of Los Angeles did not make their lives disposable.


The Fatal Flaw

For all of the planning prosecutors attributed to the Black Widows, the scheme contained a fatal weakness.

Greed.

One policy was not enough.

Then another was added.

Then another.

The women created overlapping paper trails.

They used elaborate stories to explain relationships that did not exist.

They claimed the bodies.

They pursued insurers for payment.

And eventually, they began fighting each other over the money.

Olga's complaint that Helen had taken out too much insurance was almost prophetic.

Too many policies created too many records.

Too many records created questions.

Questions connected Kenneth McDavid to Paul Vados.

The tow call connected Helen Golay to the Mercury Sable.

And underneath that Mercury Sable was Kenneth McDavid.

Not metaphorically.

Literally.

His blood and tissue remained on the car.

After years of paperwork designed to make two vulnerable men disappear beneath fabricated identities and insurance contracts, physical evidence gave Kenneth McDavid the final word.


The Black Widows of Los Angeles

Helen Golay and Olga Rutterschmidt were unusual killers not because they were women and not because they were elderly.

They were unusual because of the methodical economics of what they did.

The prosecution's case described murder as an investment strategy.

Find someone vulnerable.

Provide enough support to keep him close.

Invent a relationship.

Insure him heavily.

Pay the premiums.

Wait out the clock.

Then collect.

Paul Vados waited two years, not knowing what that clock might mean.

Kenneth McDavid did too.

Both men eventually ended up beneath automobiles in Los Angeles alleys.

And the same two women profited each time.

It was an elaborate scheme.

Almost elegant in its patience.

Except for one thing.

Helen Golay and Olga Rutterschmidt eventually became exactly what criminals so often become.

Too greedy to stop.

And too greedy to trust each other.

In the end, the Black Widows didn't merely leave behind two bodies.

They left behind insurance policies, rental records, phone calls, surveillance footage, a tow receipt, a station wagon—and the DNA of the man they thought no one would miss.

Paul Vados and Kenneth McDavid were chosen because they were vulnerable.

They were murdered because someone decided their deaths could be monetized.

A nd when the women who claimed to be helping them finally stood before a jury, twelve people decided those lives were worth far more than an insurance payout.



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