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Frequently Asked Questions
Please reach us at hello@wealthandworthdivorce.com if you cannot find an answer to your question.
No!—Yikes!
Until your divorce is settled, it is likely to be a very bad idea to try and make changes to your investments or financial accounts (with a few situations excluded). Elizabeth is a Financial Advisor and Supervising Principal in the investment industry. She is licensed to sell, manage and supervise a number of financial investments and insurance products.
However to serve as your Certified Divorce Financial Analyst, you need unbiased, conflict free advice. It is a conflict of interest to serve as your financial advisor AND your CDFA during your divorce process.
To mitigate that potential conflict, Elizabeth will not solicit any business from you and will send you a close out letter to mark the end of the CDFA relationship. It is not uncommon for clients to want to work together in the future, but Elizabeth will not take you, or your spouse, on as an investment client during your divorce process.
Heck, no. But maybe you should! It is lovely here. We help clients in person and via video calls.
If you’d like to be on our short list of experts we feel comfortable referring clients to, please contact us at hello@wealthandworthdivorce.com to learn more about our vetting process.
You are not charged for a consultation. You can schedule a phone consultation during business hours (flexible hours available during the month). A phone consultation is often enough to determine if we should move forward with an appointment. You are not charged or billed until we agree that we can help you in a meaningful way.
Depending on what kind of services you need, we bill by the hour or at a flat rate. Most people find the flat rate to be the best fit. Cost is directly related to complexity of the financial analysis and planning needs. The most common flat rates are below:
Hourly rate: $300
Divorce Asset Mapping and Division Planning: $2000.00
Comprehensive Asset Tracing and Division Planning: $3500.00
Complex Cases will receive an estimate based on your need.
You’ll probably still need an attorney in the process of divorce. The team at WWDFA will not provide any legal advice. We do not do any court filings. We work WITH your divorce attorney, not on an island or in opposition. Our goal is to help you and your attorney focus on a workable and fair financial plan with a goal of shortening the back and forth and therefore reducing the extended stress and legal costs.
Some people are able to work through a collaborative divorce or represent themselves. We can provide education on the types of divorce but will always direct you to the appropriate specialist based on your need.
Your attorney does a lot of really amazing things for you. Their goal is to help you get what you’re asking for in the divorce. They are very rarely financial planning experts too. It’s just not what they do day to day. Great attorneys rely on expert witnesses, forensic accounting, fiduciaries, and financial professionals to provide the depth of team as needed.
It’s our job to think a bit out of the box. Help you see your choices on what you COULD ask for in the divorce. What COULD work for you changing family or personal needs. Once you have an informed plan and ask, your attorney will know the best way to negotiate that on your behalf. We’ll work with your attorney to make sure the language in your divorce decree and any supplementary documents, like a QDRO, is written to work the way you think it does.
Financial infidelity (hidden spending or investments) is a painful truth for many divorcing couples.
Talk to your attorney. Talk to us. Be honest about your fears. A detailed review of financial documents often includes historical information. Your attorney may subpoena information from your spouse or other sources. We’ll work with your attorney, CPA and any other experts as needed to do our best to put together a complete financial history/plan for you.
Not exactly. Remember the goal here is to have a fair settlement. We’ll look at the value (the dollar amount) and the worth (the importance) of any asset that could be divided or negotiated through the divorce process. Sometimes $1000 is more important today than in 30 years. Sometimes $1000 that you can let grow for 30 years is way more valuable. We wrestle with tax consequences, cash flow, penalties, exposure to risk as well as the emotional impact of settling or selling an asset. We’ll help you balance your priorities for today while helping you plan for your future self.
Silver divorce is just a term for a couple who divorces latter in life than the media stereotype of who gets a divorce. While any couple can find themselves facing divorce, and divorces in certain demographics can have similar characteristics, every divorce is different.
Stereotypes about a silver divorce include: the couple may have children and grandchildren who no longer live at home, they may be near or at retirement, they may have a priority in the divorce of protecting jointly accumulated assets for their heirs in the case of remarriage.
Absolutely you can, if you both have the financial education to fairly separate your assets. However, it is really common to have one spouse who was the CFO (Chief Financial Officer) for the marriage and one spouse who went along with it and even more common to have two spouses who, through no fault of their own, have no idea what financial options they might have around dividing their assets.
Mediators are excellent at helping you get to a place where you can both agree. It is a conflict of interest for them then to guide either party on what you “should” ask for. I have never met a mediator who took that conflict lightly, which is why they are a trusted resource when it's time to come to an agreement.
Absolutely! The best time to talk to us, is early on.
Maybe, but we’re not going to take you on as a client unless there is something specific we an help you with. Let’s jump on a call and see what it is you’re looking to solve.
We can likely help make sense of your financial future. Your settlement will be influenced by the terms of the document previously agreed upon. Your attorney is in the best position to advise you on the document itself. We do not provide legal advice on the validity of legal documents. However, it is not uncommon for planning outside of the pre/post nuptial to be beneficial.
We can and will help you through a divorce financial plan. When we are jointly retained, we maintain our educational role. Since our goal is always to help facilitate a fair financial plan and never a “gotcha” plan that could harm a spouse, a collaborative divorce is a natural extension of what we do.
No, we try and protect our schedules so we remain productive, but we’re always flexible. If you cannot find a time that works for you, please email hello@wealthandworthdivorce.com and we’ll help you get on the calendar.
Financial advisors are an important relationship for your strong financial future. Often during divorce clients will ask their advisors for guidance. This is a difficult situation to be in as an advisor since often they have a fiduciary responsibility to both spouses. Working with a neutral and conflict free third party alleviates that conflict of interest. This is why Elizabeth will not serve as your financial advisor and your CDFA ® at the same time.
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