Divorce Planning

CHARTING YOUR COURSE TOWARD A BRIGHTER FUTURE

Joyce M. Cool, CDFA™, ChFC®, CASL®Certified Divorce Financial Analyst™

DIVORCE IS NEVER EASY, BUT IT CAN BE FINANCIALLY FAIRA Certi� ed Divorce Financial Analyst™ can empower you to make well-informed decisions and successfully navigate the stressful divorce process.

When you work with Joyce, she can:

➢ Save you time by analyzing your � nancial situation early in the divorce process

➢ Help you save money during the divorce process

➢ Create various property division proposals to help you reach a fair settlement

➢ Analyze existing settlement proposals to determine their long-term � nancial impact

➢ Enable you to avoid negative long-term � nancial consequences related to divorce agreements

➢ Help you develop a post-divorce household budget to assist you in avoiding post-divorce � nancial struggles

➢ Reduce the apprehension and misunderstanding about the divorce process

FINANCIAL EXPERTISE FOR YOUR DIVORCE� e � nancial rami� cations of divorce can be devastating. But, with proper planning and the expert help of Joyce M. Cool, CDFA™, you could increase your chances of reaching a settlement that addresses your � nancial needs – both now and in the future.

As a Certi� ed Divorce Financial Analyst™ (CDFA™), Joyce can provide what’s missing in most divorces: � nancial expertise. Not only can she help you determine the short- and long-term � nancial impact of any proposed divorce settlement, but she also can o� er you valuable information on � nancial issues related to your divorce, such as the tax-e� cient division of assets (including retirement plans), income generation, college planning, estate planning and other important matters.

If you’re facing divorce, don’t go it alone. Joyce can help you be better prepared to negotiate a fair settlement.

“CDFAs can provide invaluable information that allows the court to arrive at a fair, equitable, and just resolution – not just at the moment of trial, but down the road as well.”

– � e Honorable Kathleen M. McCarthyFamily Court Division Judge

ADDING VALUE TO YOUR DIVORCE PROCESSWhen you work with Joyce, you’ll get the bene� t of her considerable skills and knowledge – skills and knowledge that will help you avoid the common pitfalls of divorce.

Ask yourself these questions:

➢ Does the o� er you’re considering divide your marital assets fairly – or only evenly?

➢ Will you achieve � nancial stability after your divorce? Do you expect to be � nancially stable 10 or 20 years from now?

➢ Have you determined if your marital home is an asset or a liability?

➢ Is your alimony and/or child support protected?

➢ Do you understand the current and future tax implications of the o� er?

➢ Do you understand your post-divorce estate planning needs?

In partnership with your attorney/tax professional, Joyce can help you work through the answers to these questions and more.

INDEPENDENT, OBJEC TIVE ADVICEJoyce takes pride in providing independent, objective advice. Her only interest is helping you negotiate a � nancially fair divorce. As such, she adheres to the Certi� ed Divorce Financial Analysts’ Code of Ethics, which precludes her from soliciting you for other � nancial service needs while she is engaged as your divorce advisor.

DON ’T LEAVE YOUR FUTURE TO CHANCE

As a CDFA™, Joyce’s role is not to replace your attorney or tax professional, but to work in partnership with them. In fact, she highly recommends that you seek the expert counsel of a divorce lawyer.

Working with you and your attorney, Joyce can show you how various settlement o� ers may impact your � nancial future 10, 20 or 30 years from now. � e valuable services she o� ers include:

➢ Reviewing your � nancial data for completion of Financial A� davits

➢ Reviewing your budget to help you understand your post-divorce budget realities

➢ Assisting you with divorce-related � nancial decisions, such as the disposition of your marital home

➢ Using proprietary software, analyzing alternative settlement proposals and their e� ect on your current and future cash � ow, net worth and savings

➢ Recommending strategies to protect your maintenance and child support payments

➢ Analyzing pension and retirement plan options

� roughout the divorce process, Joyce will o� er her objective viewpoint to help balance the stress and emotions of a divorce. � is will give you greater con� dence during your � nancial negotiations – and peace of mind that your settlement is � nancially fair.

LOOKING TO YOUR FINANCIAL FUTUREIf you need help determining whether your divorce settlement o� er is fair, contact Joyce M. Cool today. As a Certi� ed Divorce Financial Analyst™, she can help you reach a settlement that considers your short- and long-term � nancial needs.

Joyce M. Cool, CDFA™, ChFC®, CASL®

Certi� ed Divorce Financial Analyst™

Wealth Management Partners, LLC

603 Post O� ce Road, Suite 106

Waldorf, MD 20602

301-885-0277

jmcool@wealthmanagementpartners.biz

www.wealthmanagementpartners.biz

Divorce Planning