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Sometimes good things fall apart,
so better things can come together.
---Marilyn Monroe

Life Happens

A divorce can be difficult and unnerving, triggering high emotions, uncertainty and upheaval.  As a Certified Divorce Financial Planner, I can help you navigate your way as you set yourself up for the next chapter of your life.

How can a Certified Divorce Financial Analyst (CDFA) Help?

  • Will I be OK?
  • Assistance with financial disclosures
  • Settlement option analysis including future financial and tax implications
  • A view into your future financial security
  • Post divorce financial planning to help you get on a solid path forward
  • An objective viewpoint
  • Peace of mind

I specialize in working with individuals and couples who are working through divorce finances, such as:

  • Getting organized
  • Working with budgets and disclosures
  • Identifying individual vs. community property
  • The HOUSE – Can I keep it? Should I?
  • Valuing and splitting pensions and retirement plans
  • Mediating the division of finances and property
  • Protecting your future

Articles about Divorce Financial Planning

How To Survive Divorce After 50

Shutterstock I was recently talking to a dear friend in her 50s whose husband recently announced that he wanted a divorce. As I talked to her, she reflected not only on the 30+ years of marriage that was coming to an end but also the end of her identity as she […]

A Less Common Income Inequality: When Wives Earn More Than Their Husbands

When Wives Earn More Than Their Husbands As people marry later, and increasingly choose partners from their own educational and economic backgrounds, the nature of marriage is fundamentally changing. Since the fundamentals of marriage are changing, it only follows that divorce is also changing.

7 Financial Tips for Women Preparing for Divorce | Investopedia

Investopedia does not provide tax, investment, or financial services. The information available through Investopedia’s Advisor Insights service is provided by third parties and solely for informational purposes on an “as is” basis at user’s sole risk. The information is not meant to be, and should not be construed as advice or used for investment purposes.

Money Milestones: A divorce doesn’t have to be the end of your retirement funds

By Suzanne Riss and her ex-husband knew going into their divorce that they needed to consult a financial expert. Divorce, even a simple one, still involves a decent amount of complexity when dividing assets, including retirement savings.

4 Things You Must Do to Protect Yourself From Going Bankrupt in a Divorce

Don’t use the legal process as a weapon to try to get even with your spouse. When we’re hurt or betrayed, our natural reaction is to get angry. So if your marriage is ending in divorce, it’s perfectly normal to feel anger, resentment – even hatred for your spouse.

5 Financial Mistakes To Avoid After Divorce | DailyWorth

The most common phrase you might hear post-divorce is: “The best revenge is living well.” But if you take it too literally, you can destroy your financial future. (When I got divorced, I learned that lesson the hard way.) Here are five common post-divorce mistakes and expert advice on protecting your hard-earned assets right now.

5 Important Questions To Ask Your Divorce Attorney – Smarter Divorce Solutions

Continue to own the house jointly for a few years, usually 3-5, at which point you either sell or refinance and split the proceeds. – Continue to own the house jointly for a few years, usually 3-5, but the spouse not living there would receive other assets in lieu of his/her share of the equity.

The 4 Truths to Go From Surviving to Thriving After Divorce

The Secret of Change Is to Focus All of Your Energy, Not on Fighting the Old, but on Building the New – Socrates The same can be said for divorce. In fact, it is my belief that releasing the old story or hurt or pain is the most vital and self-loving thing you can do.

California Community Property FAQs

Frequently asked questions about dealing with California community property at divorce. California law defines community property as any asset acquired or income earned by a married person while living with a spouse. Separate property is defined as anything acquired by a spouse before the marriage, during the marriage by gift, devise, or bequest, and after the parties separate.

How Life Insurance Works in a Divorce

Among the messy tasks that must be undertaken in a divorce, sorting out life insurance is one that often gets overlooked. In the midst of the custody battles, divvying up assets, searching for a new home, ensuring the children adjust as smoothly as possible and just generally re-acclimating to life as a single person, figuring out what to do with life insurance sometimes falls by the wayside.

Divorce And Money Considerations

Divorce and money are ultimately tied together, not just during the divorce, but in surviving afterwards. Make sure that you make smart financial decisions.

A Brief Overview of Collaborative Law

Collaborate law is a variation of non-adversarial alternative dispute resolution. Specific collaborative law techniques have been discussed for about thirty years and fifteen or so states have enacted the Uniform Collaborative Law Act of 2009.

How Spousal or Divorced Spouse Social Security Benefits Work | ThinkAdvisor

While your clients are certainly familiar with Social Security they may know very little about spousal Social Security benefits.

Divorce Settlement Blunders – Seven Costly Financial Mistakes

How to avoid regretting your divorce settlement There are nearly one million divorces in the United States each year. Unfortunately, many divorcing spouses are financially devastated as a result. One reason is that too often, divorcing spouses accept unfair settlements, and find that a few years later they’re experiencing serious financial challenges.

7 Ways to Keep Your Divorce From Interfering at Work

The unthinkable has happened in your life: your spouse has asked for a separation or divorce. It’s thrown your whole world for a loop. But, keeping the stresses at home from interfering with your job duties isn’t easy. Here are seven ways you can help to manage your job while you’re dealing with a divorce at home.

5 Insane But True Facts About High Conflict Divorce

1. High Conflict Divorce is expensive The cost of litigating divorce has always been high even with cheaper alternatives, such as mediation and collaborative law, on the rise. Still, litigating a high conflict divorce is expensive. According to an Associated Press article, the costs of divorce varies depending the process you use.

How to Financially Protect Yourself During Marital Separation | IRIS

I applaud all those who try to repair their marriages. Getting divorced is a tremendous amount to handle legally, financially, socially, and emotionally, and it isn’t something to take on unless you’re absolutely sure there are no other viable options. But while you’re working on your marriage, should you physically separate?

“I want a divorce” – 5 Tips to Delivering the News With Respect – Smarter Divorce Solutions

I was on the receiving end of this message in my divorce so I can certainly share what NOT to do! My ex-husband really blew it. He was so afraid of how I would react, knowing he also had to tell me he had been having an affair, that he planned it all out and …

10 Lessons My Divorce Taught Me About Lasting Love –

I’ve learned a lot of lessons over the last 20 years since my divorce. It dawned on me recently that even though I didn’t have a divorce party (just wasn’t in the mood) it doesn’t mean that I can’t mark the 20th anniversary of my divorce in some way.

How to Protect Your Retirement Savings During Divorce

It’s a gut-wrenching experience, and that’s before the money issues. Approximately 1.2 million couples file for divorce each year, and the financial side of things can be just as upsetting as ending a relationship — especially when it comes to retirement. Keep these points in mind as you navigate your way back to single life.

Revising Your Estate Plan After Divorce

If you don’t update your will, trust, and beneficiary designations, your ex could inherit. If you’re going through the emotional and financial turmoil of a divorce, estate planning may be the last thing on your mind. But after a divorce, you need to take steps to update your estate plan.

Is a Happy, Healthy, and Smooth Divorce Possible?

Divorce is never easy – not for you, your spouse, or your children. However, not every divorce has to be the messy process that you’ve been led to believe. If you and your spouse make it a priority, your divorce can be smooth and healthy for everyone involved.

How to Get Divorced Without Destroying Your World

Divorce can be a painful experience, so much so that it tends to use the language of war. But it doesn’t need to be hurtful. Here are five ways to avoid harming your soon-to-be ex, yourself, and your children and move toward a collaborative divorce.

Here’s how the tax plan could change divorce in a big way

Congress’ giant tax overhaul is poised to reach virtually every corner of American life – even Splitsville. Republicans delivered their sweeping plan Wednesday to an exultant President Donald Trump to sign. One provision scraps a 75-year-old tax deduction for alimony payments. The new rules won’t affect anyone who divorces or signs a separation agreement before 2019.

7 Secrets For A Child-Centered Divorce

March, a month that marks the changing of the seasons, more recently has become known as the peak month for couples to change their marital status. According to a University of Washington study, more couples nationwide file for divorce in March than in any other month.

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The information on this site is not intended to be used as a guide to divorce, nor as a source of any  financial, legal, or tax advice and makes no implied or express recommendations concerning the manner in which a divorce or separation should or would be handled.  The information provided may or may not apply to your situation and this is NOT a substitute for legal advice.

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Lamorinda Financial Planning, LLC dba East Bay Divorce Financial Planning

 

1990 N. California Blvd. #600
Walnut Creek, CA  94596

 

925-876-7668
beth@lamorindafinplan.com