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175383921In my last post “Getting Unmarried: Gray Divorces”  I wrote about the increasing number of divorces for those over the age of fifty. Also of note was how Gray Divorces have many of the same foundational issues as any divorce although there are some distinct differences. Regardless of the issues, a trained financial neutral plays a critical role in the collaborative process. Money matters can be a bed rock of tension in divorce cases.  Financial issues are often cited as a major reason for marriage breakups. A financial neutral assists couples in navigating their finances. They help with the two major financial components in divorce. One is the balance sheet (list of all assets and liabilities), and two the cash flow and support. So what does a financial neutral actually do you ask.  First and foremost a financial neutral is just that – an impartial expert on financial issues. They remain unattached to any particular outcome. A good financial neutral can be worth their weight in gold when it comes to helping couples navigate money issues in divorce. Financial neutrals help a couple gather and identify the financial information needed. I often hear from spouses the detail involved in gathering the financial information is something they have never experienced. The reason for this is all assets and liabilities, each and every one, is separately noted in the final decree so as to leave no doubt who gets what and who is responsible for what. Independent third party written documentation is needed to support each asset and liability. This information gathering is a part of the process that can’t be short circuited. Having said this, when information gathering is completed by a financial neutral it can save spouses a considerable sum. Think about it. You are paying one professional, the financial neutral, to complete this process vs. each spouse providing the same information to each of their attorneys who in a non-collaborative divorce will have to review and assimilate  all the information provided, ask questions of their clients, and then likely have to converse with the other spouse’s attorney. Financial neutrals can assimilate and organize this information in a streamlined manner with the couple’s cooperation. Usually financial neutral hourly rates are less and sometimes significantly less than attorney rates. Once all financial information is collected and organized the financial neutral creates a marital balance sheet listing each and every asset and liability. The marital balance sheet forms the basis for discussion as to how each asset and liability is allocated between spouses. In the collaborative divorce process, couples make their own decisions about asset and liability allocations to each spouse.   Couples must ultimately reach agreements on the balance sheet. The financial neutral along with each spouse’s attorney helps facilitate these discussions. The alternative in more traditional litigated divorce cases is someone else, a judge, makes decisions for the couple since they are not able to agree on their own. Financial neutrals help spouse’s asses their ability to meet their reasonable living expenses (cash flow). This part of the process includes analyzing income sources and estimating future living expenses. Generally spouses are asked to complete some sort of budget template. In my experience both as a financial neutral and a financial planner, I find most people do not care for the term budget. I do a fair amount of public speaking and when I ask people what they think of when they hear the word budget it usually has a negative impression like restrictive or confining. I have attempted to remove the word budget from my vocabulary as a result and replaced it with cash flow or spending guide.  Budgets tend to be backward looking while the words cash flow and spending guide are future oriented. Assessing income and expenses (cash flow) provides each spouse with a realistic look at their financial security moving forward. Financial security is the number one goal I hear that each spouse wants to achieve. No one has ever told me they want financial insecurity. A realistic look at cash flow for each spouse is critical to providing the financial security they seek. Here is a phrase I have used when having cash flow discussions. If your outgo is greater than your income, then your upkeep may be your downfall. Think about that for a moment. Better yet remember it, as it will serve you well no matter your financial stage in life. Yes the balance sheet with its listing of all assets and liabilities and the cash flow and support pieces form the two financial pillars of every divorce. Sometimes the financial issues can become very emotionally charged. A well-trained experienced collaborative financial professional along with the help of other collaborative team members can help keep spouses on track. I encourage couples to the extent possible to look at these decisions as business decisions. It’s easier said than done but in the end it usually is a business decision. I am a firm believer that each spouse and their family are far more important than any numbers on a balance sheet or cash flow report. In my book and in my work people always come first before numbers. There are other important financial issues a financial neutral can assist with. Watch for part II of “Getting Unmarried: Money and Divorce.” There I will talk about marital and non-marital property, analyzing tax implications of various scenarios for child support and/or spousal maintenance; analyzing property and business interests, debt pay off scenarios, and comparing pros and cons of using one asset over another. Is a collaborative divorce process right for you? If you or someone you know may be looking for a divorce alternative without court click on this link to learn more:  www.collaborativelaw.org
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500048813Becoming friends with your ex? Or even friends with your ex’s new boyfriend/girlfriend? Do these friendships sound impossible to attain? Perhaps there is something to be learned from the infamous Tiger and Elin Woods’ divorce. Elin recently went on vacation with Tiger, their two kids and Tiger’s current girlfriend, Olympic skier, Lindsey Vonn. The modern blended family – where friendships, and even vacationing together can happen successfully. If befriending seems like a long-shot for you, try to put bitterness and grudges aside when you consider that new boyfriends/girlfriends/spouses will be around your children, whether you like it or not. Co-parenting is not easy, and it will take time and effort to find the right grove in your new lives. Daisy Camp recently hosted a co-parenting workshop at the Collaborative Alliance, titled “One Bridge to Peace,” where co-parenting tools were provided that allow even one willing, caring parent, to relate peacefully with even the most bitter and contentious co-parent. Depending on how newly divorced you are, joining each other on vacations may seem like a long-shot, but remember, even introducing yourself and keeping the lines of communication open with you ex’s new companion can go a long way. Who knows, maybe someday you’ll find yourself vacationing in the Bahamas or at Disney with your ex!
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182961210 In my role as neutral child specialist I often act as a translator.  I work to ensure that parents understand the words and ideas of their children about how family can work best for them moving forward. I help parents listen to rather than react to each other while working on creating a parenting plan.  And I frequently deconstruct and revise certain legal divorce terminology into more family-friendly language.

From the start, I ask my adult clients to think of and refer to themselves as parents rather than parties.  The term parties to a dispute in a no fault divorce is more impartial than plaintiff vs. defendant, but it can still sound adversarial to many parents. As I have written before, legal terms like physical custody, legal custody, child support calculator and even settlement sound formal, top down and foreign to how families actually function.  In my office, and in the offices of many Collaborative team professionals, we talk about parenting time and decision making, and the resources parents need to adequately meet their children’s needs in both homes.Since learning this priceless phrase from a child I worked with, I prefer the term getting unmarried to getting divorced.  I prefer talking about reaching resolutions rather than settlements.  I ask my clients to refrain from saying 50/50 parenting, because how often do kids think of their parents in percentages?   I remind parents that children think of their moms as 100% their moms, and their dads as 100% their dads, regardless of whether the kids are at school, with their grandparents, on a play date, or where they sleep at night.  We use the language of co-parenting that is developmentally informed and attuned to their children’s temperaments and personalities. Language powerfully shapes our human experience, and communicates both explicit and implicit meaning.  The words chosen to describe a process or event are important.   Discussing important concepts in clear, thoughtful, straight-forward language and avoiding the use of jargon whenever possible can promote clarity and understanding during an already anxiety-arousing process.  And that is also priceless.
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I seem to be going through a “mourner phase,” these days.  Last month, I attended four funerals.  This month, a couple.  Frequently, these events were labeled “a celebration of life.”  Sometimes they were; other times, not so much. It’s not unusual for children or close relatives to speak at these events, describing the bond between themselves and the deceased, and how it was created.  Often, the speaker can bring that person to life, figuratively speaking, with their words.  The last thing in the world we ever expect to hear is that Joe was a mean, abusive so-and-so; he denigrated his wife, beat his kids, and has as much chance of getting into Heaven as Osama bin Laden.  Admittedly, none of the services I attended included such a speaker.  Although . . . One of them included an out-of-town relative who was a member of the clergy.  His memories of the dead individual brought to mind a temperance revival meeting, and really turned into a rant about how this relative had saved the decedent’s soul at the last minute.  To many in attendance, and this was NOT an evangelical group, it appeared the funeral in those moments had ceased to be a celebration of the dead man’s life and had instead become all about the relative. As I struggled with how inappropriate the funeral hijacking felt, my deja vu detector went off.  It took me a while to realize why.  As a divorce lawyer, I get to help officiate at the death of a marriage.  In the best cases, when a couple sees the wisdom of planning their family’s future together, those divorces can include a large measure of honoring that marriage, even if it stops short of an outright celebration.  The relationship that brought the children into the world can be buttressed and supported going forward.  The good things can be retained.  The bad parts . . . well, the bad parts are why they’re in my conference room. And then there are those who, oblivious of the relational aspects of the marriage that died, just want to go on and on, like the prodigal clergyman, and make the divorce all about them.  Their “rights,” their money, their property, even “their” children.  Losing sight of the Big Picture is an uncomfortable thing to witness, whether it accompanies the death of a person, or the death of a marriage.  When couples keep that Big Picture in mind, they can create a fitting memorial to the marriage that used to be, and honor the family that still is.
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455422869Recently I received a referral from Kristin, a client I represented in 2011 in her collaborative divorce. In thanking her for the referral, I took the opportunity to ask her how she was doing. With her permission, her response is reproduced below. At the time of her divorce, Kristin and her husband had two (2) children ages 10 and 12. Hi Tonda, Nice to hear from you. I will fill you in with some detail for examples of what can lay on the other side of divorce to help you give hope to your clients going through this painful process. Everyone is doing well here; the kids are doing really well splitting their time between our 2 households (4 miles apart). Tom and I have a much better relationship now than when we were getting divorced. We talk several times per week and text, usually daily, mostly regarding kids’ stuff like coordinating activities/homework and just general parenting issues. We also try to meet for coffee sometimes to discuss things more in depth like holidays and vacation planning and kids’ milestones. We see each other at their basketball games, tennis matches, orchestra concerts, etc, even holidays sometimes, and usually sit together with our new spouses. Tom and I both got re-married a couple of months ago and Tom and his wife are expecting a baby in March. I married a pharmacist that I met after the divorce and we got married in Yosemite in August of this year. The four of us get along well and the kids get along well with both our spouses so I have nothing but great things to say about the collaborative process. It really helped us to avoid a lot of un-pleasantries and keep our family together without staying married, which is really great. I hope all is well with you and your practice. I will continue to recommend people look into collaborative divorce as an option. It has been very helpful to us to use the divorce agreement as a structure, but we stay very flexible with rearranging schedules, holidays and vacations etc. We have actually never even had an argument since the divorce. It has helped us build a sense of cooperation and the collaborative process really reinforced putting the kids as the center point for all decisions going forward. One of the things that always stuck in my mind through the whole process was that Tom and I decided that even though we did not have a successful and healthy marriage, we would have a successful and healthy divorce and be successful and healthy parents. Best, Kristin
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465782093Dogs have long been known for their ability to have healing effects on the sick, but did you know that adopting a dog while going through the divorce process can provide another wonderful form of therapy? Whether getting a new puppy or adopting a dog, there is value in adding a furry companion to your life. Man’s (or woman’s) best friend alleviates that empty feeling you may now be experiencing when you walk in the door at night. Divorce often time leaves you feeling unwanted, just like many of those dogs at the shelter, which makes that canine even more relatable. Perhaps that dog came to the shelter from a divorced family herself. It has been proven that people benefit from interacting with canines. Simply petting a dog can decrease levels of stress hormones, regulate breathing, and lower blood pressure. Research also has shown that petting releases oxytocin, a hormone associated with bonding and affection, in both the dog and the human. Dogs respond to human emotions, and seem to know just when their companion needs a little extra loving. A dog, or other animal, can also be helpful for children coping with a divorce. Research shows that a dog can be therapeutic for a child experiencing a divorce crisis. A pet teaches a lot about coping skills, at a time when their parents may not coping very well. Cuddling up to a dog or other critter can be calming, and teaching a dog a new trick can be rewarding. If you are looking for a constant companion, who will help reduce your stress levels (and won’t talk back!), adding a new furry friend to your home may be a good divorce healing solution for you.
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Former litigators who now practice exclusively collaborative law have varied reasons for that decision. Many revolve around better outcomes for clients or more peaceful processes. A reason that is less commonly talked about is the well being of the practitioner. A litigated divorce is often ripe with conflict and animosity. There is built in adversity and the very structure often leads to more anger and frustration. And, this is between the clients who are only going through this once. A divorce lawyer or other divorce professional deals with hundreds of these cases. They are often in the middle of many divorces and the animosity and anger can take a toll. A collaborative divorce, on the other hand, can be a more positive and less stressful experience. It is an out-of-court, non-adversarial process. The pacing of a collaborative divorce is controlled by the parties so no one is at the whim of a court’s schedule. Clients in collaborative divorce maintain control of the outcomes. Discovery (exchange of information) is done in an informal manner with full disclosure of whatever either party requests.  Because of these reasons and more, some collaborative professionals find a higher level of satisfaction and well-being in their work. Now, some may wonder why a potential client should care about their lawyer’s well-being? The professionals on a collaborative team are the guides and support for clients. A client going through divorce wants an attorney who is in the best position to guide them through that process. Collaborative divorce is a more respectful and peaceful option for clients. It is the same for the professionals. Doctor martin Luther King, Jr. once said, “The happier we are, the better we work.” I stopped litigating cases for many reasons. My personal well-being may be the most important one.
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494330099As a society, we are inclined to attach shorthand labels to everything from parenting (Tiger Mom, Soccer Mom, Helicopter Parents) to politics (Red States and Blue States, the War on Drugs).  It’s a function of our human brains that we are wired to categorize concepts in order to make sense of the world, but sometimes it feels like we’ve put this tendency on steroids.  Too often people assume a label is sufficient to explain complex social phenomena (Obamacare, the Arab Spring) or to fully define an individual or group of people (Boomers, Gen X’ers, Millenials).  We confuse sound bites with explanations. Think about the times you’ve seen two shorthand labels in a headline, maybe with a “vs.” in between, and believed there was no need to read further to understand the situation (Israeli vs. Palestinian conflict).  It is easy to become polarized instead of thoughtful, rigid instead of nuanced.

I recently attended the Fetzer Symposium, a multidisciplinary gathering of Collaborative professionals, mediators, judges and others whose professional lives have been devoted to creativity and healing.  Each of the fifty participants was there because they were attracted to the theme:  “Divorce:  What does Love have to do With It?”  A rich tapestry of conversations, ideas and initiatives was created. Professional labels just weren’t that important—-everyone there was committed to reducing conflict in divorce.  I thought of the tendency we have to label family law processes and sometimes pit them against each other (collaborative vs. cooperative vs. adversarial vs. mediated vs. litigated).  Not only does it waste precious energy and create unnecessary conflict to oppose someone based solely on the label attached to their work, such animosity can also prevent us from looking further, going past the label to find our common values in helping families through crisis.   There is plenty of room at the family law table.  I felt honored and hopeful to be among so many family law professionals of all stripes who have earned the right to add peacemaking to other adjectives describing their work, not as a shorthand label but as an invitation to go beyond the label.
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172218935Because of our great medical facilities, people often say that Minnesota might be the best place in the world to get sick. What is less known is that Minnesota is rapidly becoming known as the best place for an ailing marriage too.  Indeed, just as people travel all over the world to come to the Mayo Clinic to heal their bodies, people from around the world occasionally travel to Minnesota to observe the ways that we heal conflict. Last month, two family law attorneys from Cape Town, South Africa, spent most of the month of May at the Collaborative Alliance in Edina,  observing many of our Collaborative divorce professionals so that they can improve the way family conflict is handled in their country.  Two weeks earlier, a family law attorney from Rio de Janeiro, Brazil, visited the Collaborative Alliance space and asked if she could also send an observer from her country in the upcoming months. Indeed, we have hosted family law professionals from five different countries and nearly every state during the past six years. I realize that, if you have a healthy marriage, finding that Minnesota is a great place for a divorce may not be reason to jump up for joy.   No one wants to be in the position to need a divorce lawyer anymore than anyone wants to need a good oncologist.  But, if you are facing serious problems, it’s nice to know you can reach out and find some of the very best in the world. So, why is Minnesota an international leader in handling conflict?  Is it because of our superior laws, our better courts, better law schools are lawyers?   Well, in fact, while all of those things are very good in our state, the thing that is causing people to travel to Minnesota from afar is our innovation.  Divorce causes great pain around the world and nearly everyone is desperate to find a better way.  Minnesota is, among other things, the birthplace of Collaborative Law, a method of handling divorce that has spared tens of thousands of families.  To learn more about Collaborative Practice, go to www.collaborativelaw.org. As someone who has handled hundreds of Collaborative divorce (as well as hundreds of traditional divorces), I am not surprised that people from around the United States would want to learn about this better method.  However, I admit that I was a bit surprised to learn that about the great interest all around the world. I have had the opportunity to conduct workshops and trainings on Collaborative law throughout the world and I have observed great differences in their laws and in their cultural norms. What has surprised me is that, when it comes to basic issues, protecting children, reducing conflict, reducing costs we are all facing the same issue.  Collaborative Divorce is more effective, not because of something unique to Minnesotan or Americans, but because if makes divorce more human.  And that is a language that is understood all around the world.
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130873646According to a Bowling Green State University study, the divorce rate for those over 50 more than doubled between 1990 and 2009.  The trend suggests that by 2030 there will be more than 800,000 divorces per year for the 50 plus age group.  This unprecedented rise in gray divorces is occurring while the divorce rate among younger couples is declining. gray divorce statsI will not be a year 2030 statistic.  My divorce was final in 2010 after a 32-year marriage, which most definitely puts me in that age 50 plus boomer group.  While the Bowling Green study and an endless amount of other research discusses some of the reasons and causes for this divorce demographic, I want to focus on how the issues are different for gray divorces and yet the same as those divorcing at much younger ages. In my experience, working with spouses as a financial neutral every divorce is unique to each family.  However, all divorces have some broad common foundational issues.  Every divorce, whether you are in your 50’s and above or younger, has at least some financial issues to be resolved.  Divorce financial issues involve allocating assets and liabilities to each spouse in an effort to be fair and equitable.  In addition if there are children under the age of 18 providing for the needs of the children is a consideration.  In certain situations, spousal maintenance may come into the play. What is different about financial issues in gray divorces is hypothetically; there are greater assets and fewer liabilities given their longer life and time in the workforce up to this point than their younger counterparts.  In my work as a financial neutral with gray divorcees, I can share with you this is not always the case.  Many times assets are limited and debts are significant.  A collaborative-trained financial neutral is well equipped to help spouses with these and other financial issues. There is less time for boomer spouses to recover from the financial loss of divorce.  Essentially assets and debts are allocated equally with some exceptions that have the effect of reducing the marital estate in half.  Sometimes mothers or fathers have stayed at home or otherwise sacrificed to some degree a working career to care for their children.  Now in their 50’s and above they will need to do what they can to work towards becoming self-supporting.  This is no small order, as we all know how difficult the job market can be for anyone let alone trying to re enter the workforce when you are gray and training and skills may need to be updated. When there are children under the age of 18 a parenting plan must be established.  Parents ideally come to agreements on how to co-parent their minor children.   This is not to imply that children older than 18 are not affected by divorce.  My children were all adults over the age of 21 when my divorce occurred and I can share the divorce had an impact on their lives as well as mine and my former spouse.  While child support financial obligations and parenting time schedules may not be a factor in gray divorces, those adult children need the support of both parents.  Gray divorcing clients would do well to consider the support their adult children need.  After all, there will still be birthdays, holidays, weddings, graduations, and yes-even grandchildren in the future.  Your children regardless of their age want to know they have two loving and caring parents who will always be there for them. With gray divorces, there are often decade’s long relationships with extended family members.  What will these relationships look like in the future?  Will the relationships continue to exist or somehow change a result of the divorce?  How will what happens to these relationships affect your adult children?  All of these and many more questions arise in gray divorces. Divorce, regardless of age, is never easy nor does it produce any winners in my opinion.  However, those who have made the decision to end their marriage would be wise to become knowledgeable of the collaborative divorce process. Collaborative Divorce is well suited to handle gray divorces.  This process when successfully completed keeps your divorce out of court and thus keeps it private.   More importantly, it keeps the outcome in your control.  You and your spouse are able to make decisions about your future not a judge with limited information and time.  Collaborative divorce is a process that involves dignity, respect, and acknowledges the contributions of each spouse to their marriage. If you know of anyone who has made the decision to divorce or is seriously considering divorce you would be doing them a favor by letting them know that collaborative divorce is an option and where they can go for more information.  To learn more about collaborative divorce visit www.collaborativelaw.org.