FINANCIAL ANALYSIS FOR DIVORCE

Collaborative Divorce can save you money by keeping you out of court.

YEAR-END INVENTORY

Organizing your stuff may be the first step towards security.

CHARITABLE GIFT GIVING

Families may establish donor-advised funds that permit all family members to make grants to their favorite causes.

ETFS

ETFs are traded throughout the day like stocks.

FAMILY PROTECTION

Why should I spend money on life insurance?

YOUR FINANCIAL PROFESSIONAL

Learn more about how to select your financial professional.

KEEPING YOUR LEGACY INTACT

Anyone who loves their family will draft their legal documents.

NEW TAX INCENTIVES

This is the first major tax incentive for conservation since the early 1980's!

SOCIAL SECURITY

Remember that when to start collecting social security may be a longevity bet.

DIVORCE

Remember, although the spouses may be divorcing, the family is NOT divorcing.

YOUR PERSONAL PENSION

The maximum safe initial withdrawal rate from your portfolio upon retirement, "SafeMax," has finally been established.

THE FINANCIAL IMPACT OF DIVORCE

"If a couple was married for 20 years or longer, it was a lifetime commitment. Particularly if there was a dependent spouse, financial analysis that demonstrates the long-term – 20 or 30 years – impact of potential property settlements is essential"

SAVING FOR COLLEGE

"There are ways to discount that college education."

PLANNING YOUR WEDDING

"There is no perfect person, only the perfect feeling! Planning the financial aspects of your wedding may be the first opportunity to set the stage for a lifetime of effective communicating to reinforce that perfect feeling."

MONEY PERSONALITIES

Paying attention to your money personality requires a great degree of honesty. Make no mistake about this: Financial decisions are driven by emotion - consciously or unconsciously!

Our rational mind then gives us the reasons that we need to support our choices.

WOMEN AND MONEY

"Too often women repeat the financial habits they learned growing up - whether they worked or not. For instance, if Mom & Dad lived paycheck to paycheck, daughter does too. The size of the paycheck rarely matters."

FINANCIAL RESOLUTIONS

Charles Dickens said it well,

"Income: 20 pounds; expenses: 19 pounds;
Happiness!"

"Income: 20 pounds; expenses: 21 pounds;
Misery!"

WHEN TO START THOSE FINANCIAL CONVERSATIONS

Generally speaking, there are four "money personalities:"

• Saver - probably pretty comfortable with money
• Spender - always wants, "just one more thing"
• Worrier - thinks and talks about money constantly
• Avoider - ignores financial matters, hoping "everything will turn out alright"

FINANCIAL PLANNING FOR THE SANDWICH GENERATION

"Financial health begins at home. A family - or an individual - needs to honestly complete a personal financial inventory. Are they protected? Are they accumulating enough? Having worked hard, have they positioned themselves to preserve their gains?"

ECONOMIC CONSEQUENCES OF THE ELECTION

"Most people believe the stock market prefers Republicans to Democrats. Many stock traders, portfolio managers, and corporate executives are Republicans and most Republican policies are perceived to be favorable for stock prices. However, the stock market has historically performed better under Democrats than Republicans."

GOOD DAY PHILADELPHIA CHILDREN & MONEY

"SAVE, SPEND, SHARE. Bravo to all those parents who teach the life skills of managing money to their children!"

GOING TO COLLEGE

"Studies have shown over and over that young people who make the effort to complete their college education earn twice as much—or more—over their lifetimes than non-graduates. That college degree is critical for financial success."

DIVORCE AND MONEY

"The single biggest mistake made by most divorcing couples is making decisions without understanding the long-term financial consequences. Signing the divorce decree is not the 'finish line.' Your future is the finish line."

WHYY'S RETIREMENT PLANNING

"Choosing a retirement portfolio allocation that seeks to manage risk is crucial. The stock market doesn't just go up."