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When you work with me you can expect excellence in all aspects of our working relationship. Expect nothing less than total confidentiality and respect for all of your questions and concerns. You have my unwavering commitment to provide you with the most comprehensive analysis possible to enable you to make truly informed choices regarding all of your available options.
My aim is to empower you and help you have peace of mind by knowing that there will be many options explored and you will be guided to your best possible settlement scenario. I will provide will you with an objective viewpoint in an emotionally-charged situation.
WHAT MAKES ME UNIQUE?
- Financial Analysis of Divorce is my Specialty – CDFA™ There are many financial advisors out there to choose from, but only a small minority have the specialized training in divorce matters to allow them to carry the designation of a CDFA™ from the Institute for Divorce Financial Analysts.
- You want someone whose expertise is in the area of your greatest need – right now - divorce and financial matters. Consider this - Would you only seek the advice of a heart specialist if you had cancer as well? Your best bet would be to have a specialist in each area working together for your best interest. Seeking financial advice from someone whose only expertise is the law can sometimes be costly. Adding a CDFA™ to your divorce team makes financial sense.
- A CDFA™ - Certified Divorce Financial Analyst is trained to:
- Help determine the short-term and long-term (20 year forecast) of your proposed divorce settlement’s financial impact using powerful, specialized software.
- Offer valuable insight into the pros and cons of different settlement proposals.
- Help you avoid the common financial pitfalls of divorce.
- Create personalized reports and graphs illustrating the financial status, cash flow, and net worth of both parties.
WHAT YOU CAN EXPECT
When you work with me you can expect to gain clarity, focus and direction. I achieve these results by providing valuable insight and analysis. We work as partners in assembling all of your vital financial information to comprehensively evaluate your proposed settlement. You provide the information for input and I provide the long range view of your financial picture.
Remember, many times what appears to be 50/50 at face value is anything but when taxes and other considerations are brought into the mix. With special, proprietary software I am able to provide analysis that looks at the true outcome regarding cash flow and net worth over the next 20 years. I strive to educate you on the reality of your situation and then offer the best possible alternative solutions for you to discuss with your attorney.
My goal is to enlighten, enrich and empower you to build a brighter financial future!
I cover all aspects of your financial settlement including (but not limited to):
· Whether or not it is feasible to keep the house – I analyze your settlement with your wants and needs in mind to try and get to what you desire. If that is not in your best interest, I will gently let you know that as well, by providing some alternative solutions. My background as a real estate investor can prove invaluable in dealing with trying to buy or sell a home in a down market.
· Why some assets may be more advantageous than others – Not all assets are created equal. Sometimes couples get hung up on things that are emotional, rather than rational, decisions. My job is to be a voice of reason among the turmoil. I always have your best interest in mind.
· How to properly split a pension or retirement plan with the proper documentation so that you are able to collect when the time comes – One of the greatest tragedies seen in divorce cases is when an ex-spouse goes to collect their agreed upon retirement only to find out that the documents were not prepared properly; or at the right time; or worst of all, not at all – meaning that the funds this person was expecting to live off of are not there. My goal is to make sure this important aspect is never overlooked.
· How to protect the income stream that you are entitled to – Making sure that the paying spouse has proper protection of life and/or disability insurance is of utmost importance. I make sure that the timing of when it is purchased and how it is titled is done right so that you will never be without if something unfortunate should happen.
· I am specially trained to look for misstated or hidden assets – Reading between and behind the lines to increase your bottom line.
· I also analyze and advise on matters of debt, health insurance, and social security, among many other issues.
Most importantly, I look at all the pieces of your financial puzzle individually and together to give you comprehensive solutions that take all matters into consideration.
MY GUIDING VALUES AND BELIEFS
- Enlighten, Enrich and Empower – I want to empower and enlighten you with tools and knowledge to help you build a brighter financial future.
- I recognize that each of my clients is a unique individual with different life experiences. I promise to honor and respect your lifestyle, background, and challenges, while giving you the individual attention you deserve.
- I believe that your best outcome is the key to my company’s success and always put your needs first. I truly understand the importance of my contribution to your long term financial future and undertake my role in it with total responsibility and care for your well being.
- I value your time and money. My overall goal is to help you get the best settlement option available for your situation. I strive to do this in the most time and cost efficient manner possible.
MY APPROACH
- I start with your goals in mind. We begin with a conversation that determines what you desire, if I can help you, and how we can work together.
- I strive to make the process as efficient as possible. I provide you with a packet to get the process started that makes it easy to stay organized as you assemble all the necessary documents.
- I guide you through the process in a manner that is efficient and understandable. I work with you to provide education on all the aspects unique to your situation until you are satisfied that you understand all that you want and need to know.
- I am comprehensive. I compile, assemble, and analyze your data, and then provide you, and your attorney, with reports and charts that examine and explain the details of your settlement. My typical analysis shows the net worth and cash flow for both the husband and wife over a 20 year period. This is a great value of my service where you will see graphic visuals that show the reality of the proposed settlement.
- I provide alternatives to the original proposal that creates more equitable solutions. My ultimate goal is to get you the most equitable settlement possible while always keeping my eyes on your desires. I provide you with analysis and charts of all other options for consideration that you can then discuss with your legal counsel.
- I am flexible. If your needs or situation changes during the divorce process, I am happy to do further analysis along the way.
Now that you have a better idea about the results you can expect by working with me and my approach and philosophy of working with clients go to the Divorce Services I Offer, as a Certified Divorce Financial Analyst, page to learn more.
