Understanding Separate Property Tracing in Arizona Divorce Cases
Smarter Divorce Solutions
by Nancy Hetrick
2d ago
Understanding Separate Property Tracing in Arizona Divorce Cases Share: When navigating the complex terrain of divorce in Arizona, distinguishing between marital and separate property becomes paramount. This distinction is crucial for a fair and equitable division of assets. Arizona family law recognizes the concept of separate property tracing, a critical tool for individuals seeking to protect their assets that were owned prior to marriage or received as gifts or inheritances during the marriage. This method is especially relevant when separate property has been commingled with mari ..read more
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Navigating the Holidays Post-Divorce: A 2023 Perspective
Smarter Divorce Solutions
by Nancy Hetrick
2M ago
Navigating the Holidays Post-Divorce: A 2023 Perspective Share: So, here we are, facing the holidays again. Maybe it’s your first time since the whirlwind of life changes – separation, divorce, the whole shebang – that you’re entering this festive season as a newly single parent. Believe me, I’ve been there, staring at the Christmas tree, teary-eyed and alone. Not a high point, I admit. But what if we could reframe this experience? Let me offer you some updated tips to make these holidays not just bearable, but potentially joyous. Embrace the New Normal: Life’s taken a turn, and guess ..read more
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Optimizing a Divorce Settlement When Interest Rates Are High
Smarter Divorce Solutions
by Nancy Hetrick
4M ago
Optimizing a Divorce Settlement When Interest Rates Are High Share: Navigating the choppy waters of divorce is tough enough, and when you throw high interest rates into the mix, it’s like adding a rogue wave to an already stormy sea. But don’t worry, there are things you can do to optimize your situation. Let’s turn this ship around with some empowering strategies. Asset Division with Interest in Mind: Consider how interest rates affect the value of assets. For instance, if you’re eyeing the family home, remember that high rates mean higher mortgage payments. Maybe it’s time to rethin ..read more
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Financial Considerations for Women Contemplating Divorce
Smarter Divorce Solutions
by Nancy Hetrick
6M ago
Financial Considerations for Women Contemplating Divorce Share: So, you’re thinking about divorce, huh? First of all, let me give you a virtual hug. This is a big step, and it’s okay to feel a whirlwind of emotions. But let’s get down to brass tacks: finances. Because, let’s be honest, love might make the world go ’round, but money keeps the lights on. 1. Know Your Assets and Liabilities First things first, you need to know what you’ve got. I’m talking about assets and liabilities. Make a list of everything: bank accounts, retirement funds, debts, and even that secret stash you’ve bee ..read more
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Navigating Gray Divorce: Unraveling the Impact on Your Social Security Benefits
Smarter Divorce Solutions
by Nancy Hetrick
7M ago
Navigating Gray Divorce: Unraveling the Impact on Your Social Security Benefits Share: Today, I want to delve into a topic that’s becoming increasingly common and impactful in our lives: gray divorce. Yep, you heard it right – the dissolution of marriages among those who have seen a few more sunrises than sunsets. Gray divorce, also known as late-life divorce, refers to the separation of couples over the age of 50. While divorce is never a walk in the park, gray divorce presents unique challenges, and one area it tends to cast its shadow is on Social Security benefits. So, let’s dive ..read more
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What you need to know about Health Savings Accounts and Divorce
Smarter Divorce Solutions
by Gerard Zielinski, CDFA®
8M ago
What you need to know about Health Savings Accounts and Divorce Share: Navigating Health Savings Accounts (HSAs) during divorce can be a complex task. Divorces involve the division of assets, and HSAs are no exception. It is crucial to understand the rules and regulations surrounding HSA transfers and how they can impact both parties involved. Below, we will explore the guidelines for HSA transfers in divorce and discuss their implications. For those unfamiliar, an HSA is a savings account that allows individuals to contribute pre-tax dollars for qualified medical expenses for themsel ..read more
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Navigating Social Security Benefits and Divorce
Smarter Divorce Solutions
by Gerard Zielinski, CDFA®
9M ago
Navigating Social Security Benefits and Divorce Share: We understand that Social Security benefits play a significant role in both the immediate and long-term financial well-being of individuals, particularly in the context of divorce. To effectively negotiate a successful divorce settlement while also considering the stability of your financial future, it is essential to grasp the rules and implications surrounding these benefits. Whether looking to optimize Social Security claiming strategies or assessing when to begin receiving benefits, a Certified Divorce Financial Analyst (CDFA ..read more
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Child Support and Retirement Benefits
Smarter Divorce Solutions
by Gerard Zielinski, CDFA®
10M ago
Child Support and Retirement Benefits Share: Falling behind on your child support? Arrears piling up? You may have options! Child support is a legal obligation that aims to ensure the financial needs of children are met after parents have separated or divorced. Many parents rely on these payments to support the day-to-day needs of a family but on occasion, a parent may fall behind on their child support obligations or may simply not have the income or cash flow available at the time to pay it. This can create significant financial hardships for parents and the children. Fortunately, f ..read more
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The Financial Divorce Report: Dividing Retirement Assets
Smarter Divorce Solutions
by Gerard Zielinski, CDFA®
11M ago
The Financial Divorce Report: Dividing Retirement Assets Share: Divorce is a complex and difficult process that can involve many legal and financial considerations. One such consideration is the division of retirement assets, which can be especially complicated if one or both spouses have contributed to a retirement plan during their marriage. This is where a QDRO, or Qualified Domestic Relations Order, can play an important role. A QDRO is a legal order that enables retirement plan benefits to be divided between a plan participant and an alternate payee, typically a spouse or former ..read more
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Divorce Literacy Podcast: Divorce Financial Planning
Smarter Divorce Solutions
by Nancy Hetrick
1y ago
Divorce Literacy Podcast: Divorce Financial Planning Share: Listen to the Divorce Literacy Podcast, as our very own Nancy Hetrick AWMA, CDF at Smarter Divorce Solutions joins to discuss incorporating financial divorce planning into the divorce settlement. 100% of all divorces involve some type of financial settlement, so why not involve a divorce financial planner as a neutral in the process? Divorce financial planning can help divorcing spouses save money when they can objectively look at the various ways of transferring assets, providing equitable distribution of income so both spou ..read more
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