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82087964-start-on-january-1-gettyimagesAs 2016 begins, many of us come up with resolutions for the coming year. Some people hope to exercise more, spend more time as a family or plan a vacation. For families who have divorced, the new year often symbolizes a new beginning.  It is a time to establish a new norm. As a collaborative attorney, I often help guide families through divorce in respectful and supportive ways. I often hear from clients that they have goals and resolutions for a new year. Here are three common resolutions for families of divorce and ways all families can incorporate these values in their lives:
  1. Establish financial independence and security. Entering a new year is a time when finances are now truly separate – with no tax connections.  Be mindful of what you spend.  Track your expenses and see how they match up against your projected budgets and income.  Get a financial planner or, on your own, map out your financial goals for the year, including personal savings, retirement, and investment management.
  2. Embrace co-parenting. Children thrive with routine and care.  They love to be listened to and enjoy one-on-one time with both parents.  They also sense stress and tension.  As you establish routines and the children spend time with both parents, remember to treat the other parent with compassion as well. Avoid fighting in front of the children and support the time that they spend in both homes. Also learn to enjoy your off-duty time.  When you don’t have parenting duties can be a great time to focus on yourself and prepare for your next parenting day.
  3. Take care of yourself.  As parents, workers, and functioning members in society, we often spend our tie focused on others.  We take care of the children and our work obligations, but we often forget our own self-care.  Use the new year to establish work-out routines or start exploring a new hobby.  It is never too late to start improving yourself and the new year is a perfect time to make that effort.
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Many collaborative law attorneys offer a free consult – 30-60 minutes to meet your potential new attorney and get some questions answered. The consult serves two main purposes: learn about your options and get to know your potential attorney. Until you have hired an attorney, you do not have confidentiality or a legal relationship with the attorney. The consulting attorney cannot give you legal advice or answer legal questions with certainty during this first meeting. The consulting attorney can talk to you about the processes available to you – litigation, collaborative law, or mediation. The consulting attorney can tell you the main legal issues that need to be decided during a case – such as child custody, parenting time, spousal maintenance, or property division. Because the consulting attorney does not have a client relationship, you and your spouse could meet with the attorney together. This is often a good way for you both to hear information together about the process. When you receive the same message, you often feel less adversarial and more like you are both seeking a guide for the process. Indeed, one of the most important aspects of a consult, is the opportunity for you to meet a potential attorney and see if you will be comfortable working with them. Your attorney is your guide. You may cry or express anger in front of this person – you need to feel comfortable doing so. In addition to legal adeptness and zealous advocacy, you also must be comfortable and trust your attorney. This is perhaps the most important element of the relationship.
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CaptureAn entry of divorce is a big step in the process. However, there is often a lot of follow-up needed to make everything final.  Here are some of the things that need to be addressed post-divorce:
  • Certified copies.  You should obtain a certified copy (official) of the divorce decree for your records.
  • Notice of Entry. Your attorney will draft a Notice of Entry to confirm everyone is aware of the entry and final outcome.
  • Assets should be divided.  If you agreed to split bank accounts, pay off debt, or pay an equalizer to finalize a property settlement, these things should be divided and paid off.
  • Vehicle titles can be transferred.  You can sign over the title on vehicles as outlined in your agreement.  This can usually be finalized without attorney work.
  • Real estate title transfer. A quit claim deed or order from the court (called a Summary Real Estate Disposition Judgment) can be recorded with the county real estate office to transfer title in your real estate.
  • Retirement division.  Some retirement accounts can be divided with notification from the clients.  Other accounts, specifically 401k’s, 403b’s and pensions usually need an order from the court to divide.  This order is called a Qualified Domestic Relations Order (QDRO).  A lawyer usually drafts this order.
There can sometimes be a lot of follow-up to a divorce.  A collaborative attorney can help you through the process and help make sure all follow-up items are completed.
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RoadmapOften when we decide to do something of significance, like go on vacation, obtain a college degree, search for a new job, or save for a future purchase we develop a plan.  If you are serious about the task set before you, you will develop a written plan to keep you on track and measure your progress. Getting unmarried, as I now refer to divorce, should be no different. In fact, if you choose to use a collaborative divorce process, we utilize a written document called “Roadmap to Resolution.” I have found the use of this Roadmap extends beyond divorce planning.  I use it as a general problem-solving model. The Roadmap has 6 essential steps.
  1. Set Goals  The four basic sets of big picture goals include: Relationship goals between you and your soon to be ex-spouse Goals related to your children regardless of their ages Financial goals as to how you and your spouse would like your future financial lives to look so you both can have the greatest sense of financial well being with the resources you have Process goals as to how you and your spouse would like the process to work for you
  2. Gather Information and Identify Issues This includes gathering all financial documents and other relevant information that will be necessary to itemize all assets, liabilities, income, estimated reasonable and necessary living expenses, and property received as a gift, inherited, or acquired before the marriage.  All of this information is documented in your final divorce decree.  If you have children, this also includes information about your children their needs and special activities and costs associated with each one.
  3. Generate Options This step is when the collaborative team including attorneys, coach, child specialist,  financial neutral, and clients brainstorm to identify any options that come to mind regardless of how silly or unpleasant those options might sound initially.  The key is to write down as many options as possible without anyone commenting or trying to evaluate any stated options.
  4. Evaluate Options Here the clients indentify the options they would like to evaluate and consider.  It is at this stage clients can fully explore the pros and cons of each of the options listed and prioritize them.
  5. Negotiate/Make Decisions After fully evaluating any options clients are able to negotiate and make decisions they both can live with.
  6. Generate Documents Once all necessary decisions are made, the attorneys go to work to document agreements by preparing a draft decree for each spouse to review and ultimately sign.
The model flows both ways; meaning if you are in step 5 negotiate/make decisions, another option may present itself, creating a need for further evaluation and new negotiation and decision making. The “Roadmap to Resolution” model provides the framework for helping spouses work through a collaborative divorce and ultimately reach agreements on all relevant issues. By using the “Roadmap to Resolution, the collaborative team process, has literally helped thousands of couples across the country and around the world end their marriage but save their family. Choose your process wisely.
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170153517-definition-forgive-gettyimages“Many promising reconciliations have broken down because, while both parties came prepared to forgive, neither party came prepared to be forgiven.”  – Charles Williams, British author and translator I recently came across this quote about forgiveness and reconciliation and it reminded me of the collaborative divorce process. I am a collaborative attorney.  I often see couples enter into the divorce process with ideas about forgiveness.  I often see clients come into the divorce process hoping to end the anger or negative feelings. They may want to make things better for the sake of the children or to feel better themselves, whatever the reason, forgiveness can be one of the most impactful elements of divorce. To forgive is to stop feeling anger toward someone who has done something wrong or to stop blaming someone.  In divorce, forgiveness may revolve around infidelity or poor financial management or lessening attraction for another. Emotionally clients often prepare to own their own feelings. They may have considered the benefits of forgiving the other and moving forward in a more positive manner. Like the quote above implies, it is often easier to think about forgiving someone else. When someone is forgiven himself or herself, however, it may be tougher to accept. The selflessness of the other during the challenging process of divorce can sometimes be overwhelming. Genuine forgiveness may be unexpected. It can lead to breakthrough moments and opportunities to dig deeper to find more compassionate and amicable resolutions. Forgiveness and divorce are intertwined. The collaborative divorce process is designed and supported to allow the greatest opportunities for forgiveness and peacemaking.        
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In part I of keep more of your money in your family; choosing your process wisely I wrote about the well known traditional litigated court based divorce process and mediation. In this issue, I will cover Collaborative Divorce. Collaborative divorce is an option you and your spouse should thoroughly explore before making any choice about divorce process. It is my belief that you and your spouse should first decide upon process before you ever hire an attorney. You can then match the right attorney to the right process. Just because they are, a divorce attorney does not mean they can be effective and efficient in all processes. In a collaborative divorce , a collaboratively trained attorney through the entire process represents each spouse. A financial specialist helps couples sort out their financial issues including gathering all the financial data necessary for the divorce decree and presenting it to their respective attorneys in a format that helps attorneys review the numbers more efficiently. Contrast this with you and your spouse providing each of your attorneys the financial data, the two attorneys talking together about the financial data and then going back to you their client to discuss those conversations then going back again to the other attorney to discuss. Let me ask you on just this one basic step in the financial process, do you think you would keep more of your money in your family? Do you want to be paying two attorneys to do this financial data gathering or would you prefer to pay one financial specialist? A financial specialist is the one person who is in the best position to help you keep more of your financial resources in your family throughout the divorce process. They can save you taxes, come up with some creative options, and other ideas that allow both you and your spouse to create the best financial outcome for each of you given your existing resources. In any divorce with minor children, a parenting plan is created and documented. In the collaborative divorce process, this is usually completed with a child specialist. This person helps parents articulate and document a well thought out plan to co-parent their children. The child specialist meets with the parents and often times meets with the children separately and then with everyone together. This level of attention to the family well-being is not found in other processes. You can of course work with two attorneys or a mediator to come up with a parenting time schedule and perhaps another piece or two of a well thought out plan. What you are not likely to get is a complete parenting plan that increases the likelihood of your children successfully navigating your divorce with you and your spouse. Also available in the collaborative divorce process is a neutral divorce coach. The divorce coach helps spouses communicate effectively during the divorce process and come up with a plan for post divorce communication and relationship. This can lower conflict, which can decrease costs. If emotions run high at some point during the divorce process, a coach acts to ground you in the areas that are important to you. This enables both you and your spouse, to effectively communicate your needs, interests, and concerns all necessary to produce the higher-level outcome intended to last for a long time. It is interesting to me that I often hear people say they are concerned about divorce costs when learning about collaborative divorce. Yet the collaborative divorce process minimizes attorney involvement since much of the work with the neutral financial specialist, neutral child specialist, and neutral divorce coach is completed without attorneys present. Attorneys usually are the highest paid professionals in any divorce process and most are not trained in financial issues, child and family systems, or other family relationship dynamics. What attorneys are trained in is the law. So imagine yourself utilizing a divorce process providing you with a menu of professional resources to help you and your family work with specialists in their respective fields and yet always have access to your own attorney who will be your advocate.   Of the three processes discussed in this two issue article which do you think will allow you to keep more of your money in your family, traditional litigation, mediation, or collaborative divorce? Remember to help you keep more of your money in your family choose your process wisely. In Part II of Keep More of Your Money in Your Family, I will write about choosing your attorney wisely.
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169749111-divorce-gettyimages“Many promising reconciliations have broken down because, while both parties came prepared to forgive, neither party came prepared to be forgiven.”  – Charles Williams, British author and translator I recently came across this quote about forgiveness and reconciliation and it reminded me of the collaborative divorce process. I am a collaborative attorney.  I often see couples enter into the divorce process with ideas about forgiveness.  I often see clients come into the divorce process hoping to end the anger or negative feelings. They may want to make things better for the sake of the children or to feel better themselves, whatever the reason, forgiveness can be one of the most impactful elements of divorce. To forgive is to stop feeling anger toward someone who has done something wrong or to stop blaming someone.  In divorce, forgiveness may revolve around infidelity or poor financial management or lessening attraction for another. Emotionally clients often prepare to own their own feelings. They may have considered the benefits of forgiving the other and moving forward in a more positive manner. Like the quote above implies, it is often easier to think about forgiving someone else. When someone is forgiven himself or herself, however, it may be tougher to accept. The selflessness of the other during the challenging process of divorce can sometimes be overwhelming. Genuine forgiveness may be unexpected. It can lead to breakthrough moments and opportunities to dig deeper to find more compassionate and amicable resolutions. Forgiveness and divorce are intertwined. The collaborative divorce process is designed and supported to allow the greatest opportunities for forgiveness and peacemaking.
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Your divorce probably has you feeling like everything is beyond your control. Now imagine the lack of control your children are feeling. Yesterday they had a family with two parents living under the same roof, and today their family life as they knew it is torn apart. Your children may not have any idea how things got to this point, much less have the ability to change things. While it is seemingly impossible to feel in control right now, as a parent it is your role to support your children and help them to cope with the stress of the divorce. Focusing on these four components should help to lessen the stress on your children: patience, reassurance, structure, and stability. Patience. Have the patience to answer your child’s never ending questions they may have about the divorce. Offer them a listening ear and time to vent. Patience is tricky, especially when you are going through such a stressful time in your life. This is why it becomes so incredibly important for you to take care of yourself so that you can be the best parent you can be. Do whatever you can not to take your own stress out on your children. Even if it’s as simple as locking yourself in the bathroom for 5 minutes to cool off – do it. Reassurance. Reassure your children that they are still loved by both parents, and that they did not cause this. Reassure them that it is ok to have fun and enjoy their time with each parent by not acting jealous or getting upset. Do not put your child in a situation where they are forced to pick a side, which will only cause them more stress. Reassure them that you will get through this together, and that this is not the end of their family, but rather the beginning of a different type of family for them. Structure. By providing routines kids can rely on, you remind your children they can count on you for stability, structure, and care. This is where parenting plans come into play and are so important to maintaining structure. A toddler may not know what day of the week it is, but something as simple as a color coded weekly calendar showing them what days they go to moms house at what days they go to dads house can help them to understand their routine. A preteen or teen may benefit more from an electronic calendar, where they know exactly who is picking them up from school and activities each day. Find what works best for maintaining structure in your family and stick to it. Stability. It is important to maintain structure in order to provide stability for your children. If one parent has bailed on picking up the kids for the past two weeks, that child no longer has the stability in their life to help them cope with the stress of divorce. Parents in this situation will often stop telling their children when the other parent is going to pick them up because they hate to see them get disappointed. When this happens the parenting plan needs to be addressed and reevaluated. Not only is it stressful on the parent when the other doesn’t follow through, but it is incredibly stressful on children. All of these points go hand in hand with one another. The more stability and structure you have, the more reassured your child will be. Divorce may be uncharted territory, but you can successfully navigate this unsettling time—and help your kids emerge from it feeling loved, confident, and strong.
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561097939-man-inserting-coin-into-piggy-bank-gettyimagesGetting married sometimes can be expensive if you let it. Getting unmarried can be even more expensive if you and or your spouse allows it to get that way. In divorce, emotions are high and often contribute to higher levels of conflict. Conflict is expensive. Many divorcing couples want to know how they can keep more of their financial resources between themselves and in their family. After all the more that goes to pay for divorce costs means less for each spouse and for their children if they have children. In this upcoming series, I will write about some tips on how to keep more of your financial resources in your family. Here is the first tip:
  1. Choose your process wisely. Study your options and know what you and your spouse want. I ask divorcing clients what would need to happen in your divorce so you could look back three years from now and say this was a successful transition for your family and you. Paint that picture for me. Be honest with yourself.
    1. If you want a knock down drag out divorce, you know the Katie bar the door kind or I will show him/her, or I will make him/her pay, a more traditional litigation process certainly fits that bill. Moreover, that bill will be very expensive. On top of that, someone else, a judge, will be making decisions for you since you and your spouse are not able to reach agreements on your own.   If you think, you are going to win and be the victor you have already lost because there are no winners in divorce. Most judges tend to think the best outcome if they have to decide your divorce is one when both spouses equally share the pain and both spouses are somewhat dissatisfied.
    2. You may consider mediation. Most people have heard about mediation. Mediation can be less expensive than a traditional court based process.   Mediators however, are not able to provide legal advice. This is true even if the mediator is an attorney. Sometimes couples choose to have their own lawyers present at mediation sessions to overcome the no legal advice dilemma. Mediators, even if they are an attorney are not able to draft/prepare final divorce decree documents. If a mediator helps you reach agreements, you, and your spouse take those agreements to an attorney to draft the final documents and that attorney can only represent one of you, not both spouses. I always encourage my divorcing clients to each have their own attorney when reviewing any final documents resulting from mediation. You may run into one or both of the attorneys encouraging you not to accept the mediated agreements or parts of the agreements. In my practice, I recommend to clients attorneys that I know and have worked with, are settlement oriented, and not inclined to escalate conflict in an already mediated agreement. That is not to say there will not be some tweaks here and there because there always are and for good reason.
In part II of Keep More of Your Money in Family, I will talk about collaborative divorce, the professionals involved, and how it can help you keep more of your money. Stay tuned more to come.
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183748731-woman-dreaming-of-new-house-and-car-gettyimagesIn my financial planning practice and working as a financial neutral helping divorcing couples sort out financial issues it is often challenging for clients to clearly articulate future goals. I am not talking about the kinds of goals such as I want the house or this or that possession. Those types of statements really are what we call positions. I am talking about big picture interest based goals for your future. You might ask why this is important. I just want to be done with this divorce so I can move on. The problem is being done does not necessarily mean you will be better prepared to move on. More than likely if your focus is to be done, moving on will probably be very challenging for you. Establishing your goals at the very beginning of a collaborative divorce is critically important because goals establish a foundation for future discussions, negotiations, and more importantly stronger communication channels with your soon to be ex-spouse. Goals may be about any particular topic. Usually they fall into the three broad categories of parenting, financial, and relationships. Let us say for instance it is important for you to remain in the same school district so your children are not uprooted to new schools at the same time you and your spouse will soon be living in separate residences. Moving to a new school district while moving to two separate households may create significant insecurity for your children. This goal example states what the goal is: keep the kids in the same school district, and the why: to minimize the insecurity to your children. From this one goal, we can then figure out the who, when, and how. This single goal may produce discussions about housing, transportation, children’s activities, financial decisions, and overnights with one parent or the other that can lead both spouses to be stronger co-parents for the benefit of their children. Another goal example in the area of financial matters may be; we want financial viability for both households so we can have a sense of financial security. Note this is not a statement about who gets what but rather a statement about how you want to feel. No one ever tells me his or her goal is financial insecurity. An example of a relationship goal may be; we want to continue extended family relationships and participate together in family events as possible and to recognize these relationships do not necessarily end just because our marriage is ending.  Another relationship goal would be to describe how you want your relationship to be with your spouse post divorce. Establishing clear big picture goals early on in the divorce process can help to keep you and other professionals on track. Goals give you and your spouse anchor points for the discussions and decisions that will need to be made concerning your futures. We all remember the old saying if you do not know where you are going any road will get you there. Divorcing couples will be wise to discuss together where they want to go by setting clear individual and joint needs and interest goals. Know where you are going. The Collaborative divorce process gives you this opportunity. Choose your process wisely.