183800215I am often asked to give presentations on the financial issues in divorce. I always cover what I refer to as the two financial pillars of any divorce dividing property including debts and cash flow and support. Without fail someone in attendance always asks where, do I begin? I do not know where to start. This question is asked not from a financial viewpoint but from an overall perspective of where to begin. My response is virtually the same every time. The most important decision you have to make is the decision to end the marriage. Some take months or even years to make this decision. It is not an easy one. If the decision is made to divorce, then the next most important decision is how to do it. What process options are available and which might be best suited for me, my spouse, and if children are present. Again not an easy decision, especially since these types of decisions are often made during times of high emotions including hurt, pain, and even anger. This is not necessarily the best frame of mind for making such life changing decisions. Having experienced divorce after a 30-year marriage and in my professional experience as a financial neutral, financial mediator, and supporting individual clients and their attorneys, the answer where to begin may be somewhere not so obvious, a divorce coach trained in collaborative divorce. I say this not because you will end up or be steered to a collaborative divorce, but rather that a divorce coach can help you and your spouse navigate the emotions and challenges during any divorce process and beyond. A collaboratively trained divorce coach can help explain process options in a manner to help you no matter what process you may choose. A neutral divorce coach can also help recommend other divorce professionals including a child specialist, financial specialist, and attorneys who can work together with you and your spouse in any divorce process. In addition, a divorce coach can help save you time, money, and heartache by guiding you and helping you manage emotions throughout the process. How do I find a collaboratively trained divorce coach? Click here to find coaches throughout the MSP metro area. By clicking on their name, you can read their profiles. Many, if not all of them, will provide a free initial consultation allowing you to ask questions, evaluate each individual and make informed decisions best suited to you and your family. Divorce coaches are one of the best resources available to anyone considering divorce and wondering “where do I begin.”
BC4696-001I sat in on a seminar recently with a room full of moms. Moms of babies, moms of toddlers, moms with children just starting elementary school. The topic was about learning to fall in love with your husband again, and the speaker was a woman in her 70’s. The dialog was mainly, “Do this to keep your husband happy, do that to keep your husband happy…” I think many were wondering why they got up early on a Tuesday morning to listen to old-fashion marriage advice. However, in between the eye rolls of many overtired moms, I caught the true message of the speech – don’t forget about your marriage, the kids are wonderful, but if you make them your whole world, they leave the nest, and the marriage is over. I had not really thought about empty nest syndrome in this sense. I had mainly thought about the kids going off to college and the parents are alone in a big empty house, they are a little lonely, maybe start a new hobby, and life goes on. Only life doesn’t go on, at least not in that sense. Divorce after decades, the graying divorce, divorce after 50, whatever you may call it, is becoming more and more common. Decades of putting the kids first, likely putting the career second, and well, the marriage must have fallen down on the priority list. When children are babies and toddlers they require about every last bit of energy you have; once they start school it’s homework, sports, and juggling schedules. Making it all too easy for the better part of 20+ years for your marriage to be entirely kid-centric. The graying divorce gives new meaning to staying together for the kids. The couple in many of these marriages might not have even seen it coming. Years of enjoying the children together – family vacations, neighborhood outings, cheering the kids on together from the sidelines, only to wake up one day and realize they no longer have anything in common, the kids were all they had in common. A half-century ago, only 2.8 percent of Americans older than 50 were divorced. In 2011, according to the Census Bureau’s American Community Survey, 15.4 percent were divorced and another 2.1 percent were separated. Was it that divorce was more taboo 50 years ago, or maybe because people are living longer these days? A healthy 60 year old might look at it in terms of having 20+ years left; 20+ years that they are choosing to be happy, and ditching the unhappy marriage. Baby boomers are setting record high divorce numbers. If you found yourself amongst this new era of divorce, the good news is you are in good company! There are support groups nationwide that are catering specifically to the increase in baby boomers and their graying divorces. Seek out divorcees going through a similar situation and create a support system. Most importantly, keep on living – enjoying yourself, pursue your interests, take on a new hobby, travel, and make the most of your new-found free time!
56195395Collaborative law requires experienced professionals and clients willing to work together to find resolutions for their family law matters. It is a unique, non-adversarial process that provides an alternative to a traditional, litigation. It is a respectful process that depends upon four main tenants.
  1. Full Disclosure. In a collaborative law both parties provide all information relevant to the case. There are no formal discovery processes – no time or money spent on depositions or document requests. Both parties provide everything needed – if someone needs more, they ask and agree to disclose it. Both parties must have all the information they need to generate options and make decisions.
  2. Confidential Process. The information discussed an the options generated are confidential and shall not be disclosed until final resolutions are reached. Divorce is not a confidential process by default. Indeed, the court process is quite transparent. In collaborative, however, the information discussed and shared is not disclosed until the very end. This provides for a more thorough process overall.
  3. Neutral Experts. All experts shall be neutral. They will be chosen by both parties together (often recommended by other professionals) and operate in an on-adversarial manner. Their expertise benefits both parties.
  4. Professionals Limited in Representation. The collaborative professionals on a case can only work in one role – settlement. The professionals cannot represent you in any other matter and in any other capacity. Your collaborative attorney cannot represent you in a court process. A mental health professional (child specialist or coach) cannot provide therapy. And the financial neutrals cannot also solicit your financial planning business. Everyone has one purpose and one role – to help you find collaborative resolutions.
102284768As a confirmed New Yorker subscriber, I enjoy the cartoons as much as the writing. Indeed, the cartoons alone would justify my subscription. Earlier this year, there was a drawing of a customer addressing a florist. “I want some flowers that say, ‘Here! Have some frickin’ flowers!'” For a lot of couples about to enter into a dissolution of their marriage, the holidays are a time of high anxiety. Often, both spouses know it’s coming–soon–but call a truce in order not to wreck the children’s Christmas. According to some of my former clients who have done that, the whole holiday season felt like, “Here! Have a frickin’ truce!” Tense, hollow, sarcastic. Anxiety-ridden, courtesy of the Unknown. A close friend who knows about my practice once asked me, “What’s the most important thing you can tell someone who comes in to see you about a divorce?” “Well, it will depend on what’s most important to that person at that moment, but, generally speaking, I’d want them to know it’s going to be all right,” I said. “Isn’t that a little misleading? I mean, you don’t know anything about who they’re married to, or who that person’s lawyer is, or anything.” “Well, I know this: when they talk to me, they’re living in a situation that’s become unbearable, a situation they know very well. And it’s bad enough that they’re talking to me about an Unknown–the divorce–that they’d rather deal with. I actually did once ask a client who was complaining about how long it was taking and how much it was costing whether he’d like to dismiss the action and stay married. He looked at me like I had two heads. ‘Not on the longest day you live,’ he said.” So the goal was not an issue. By the way, that was before I began doing Collaborative cases. But my point is that the divorce itself will end some day, and probably in less than a year. And after it’s over, that person will go on with their life. Most of the time, the people who come to me know that I do mostly Collaborative cases, where the couples have to agree on what happens before anything can happen, and where the goal is to agree on all the terms of the divorce. So they each have to give their spouse a reason to agree to what they’re seeking. More importantly, they have many opportunities over the weeks of that case to refine the conversation, discover what’s at the heart of their goals, and explore different ways of satisfying their spouse’s interests. The upshot is that by the time they do reach all their agreements, they have talked everything through–usually multiple times–and they have a set of agreements they can live with. And things going forward are going to be all right! They can take some reassurance in that because their discussions were all based on their actual situation, not what they wish their situation was. They’ve spoken with their lawyers and they understand what the courts can do and what they won’t do. In the Decree, under “real estate,” the court simply can’t award to the spouse who had an affair “the hottest corner of Hell.” For one thing, there’s no legal description. But if their husband or wife insists that this is the only appropriate residence for them, post-decree, I know that person will never succeed in a Collaborative case. I also know that person won’t “succeed” in court, either. And, finally, I know that person could care less if things turn out “all right,” because their highest priority is to give back the pain they feel to the person who, they believe, caused it. They almost certainly will get more help from a therapist than a lawyer. But for the potential client who is most interested in ending their marriage, attending to their affairs, and starting a new life, history teaches us, time and again, that, really, it will be all right. At least, that’s what my clients tell me.

The secret to a constructive and respectful divorce is to start at the end and work backward.  Ask yourself, “What do I want my life, my spouse’s life, and my children’s lives to look like when the divorce is all over?  What is my vision for the future?”

In fact, the first task of clients who choose a collaborative divorce process is to answer these questions and to share their answers with each other.  Here are some of their answers: Couple A
  • Children/Family We want our children and ourselves to feel that we are a family that loves and cares for each other.
  • Relational We want us to look back on this difficult time and be proud of how we handled ourselves and each other. We want both of us to be happy in the future.
  • Financial We want our final agreement to ensure equitable life styles and standards of living. We want our final agreement to provide financial security for both of us in retirement and in the event of the death of either of us. We want our final agreement to respect the financial decisions/intent of our respective families to leave us money.
  • Process We want a divorce process that supports a positive future. We want a divorce process in which we both feel heard and safe to discuss difficult issues. We want to be comfortable with our final agreement and to have a mechanism for implementing it. We want our divorce process to be cost effective and efficient. We want to minimize the emotional and financial stress of our divorce.
Couple B
  • Children For our son to have a solid, cohesive parenting team who loves him. For our son to be shielded from the negative aspects of the divorce.
  • Financial For both households to have financial stability and security. For us to be debt-free by using an intentionally controlled plan of action.
  • Relational/Emotional That we create a trusting relationship with each other and the potential for friendship. That we reduce the emotional and financial stress we feel as a result of our divorce.
  • Process That the collaborative process be as cost-effective as possible while obtaining the added value that our neutral professionals bring to the process.
Couple C
  • For our children not to feel divided.
  • For our children to feel comfortable with both of us.
  • For us to convey a sense of harmony to our children.
  • To have financial security for both of us.
  • To get along with each other after the divorce; to have mutual respect for each other; and to have a pleasant relationship.
By starting at the end, couples are reminded how much they still have in common despite the ending of their marriage. By starting at the end and working backward, the couple and their team of collaborative professionals can focus all their attention on crafting a settlement that accomplishes the couple’s vision. By starting at the end, the collaborative divorce process promotes healing and a peaceful transition through this important life event. If you or someone you know might benefit from using a collaborative process for their divorce, go to www.collaborativelaw.org and www.mndivorce.com to find out more about Collaborative Divorce.
Ask anyone who has ever gone through a divorce whether they have recommendations for how the process could have gone better and I bet they would have a list of ideas.  They would likely identify a need for their legal counsel to have communicated more frequently with them and to have helped more to educate them about their options at each step of the process.  They would likely say they worried that their legal counsel had a perverse incentive to provide more services (more hours of billable work) seemingly regardless of the effectiveness of those services because they billed by the hour and the client didn’t see or understand much of the work that the attorney was doing. Many professions, including law and medicine, are rethinking the most basic aspects of the services they provide and how they provide them and are defining new ways of doing things. I was reminded of this when reading an article in the New York Times titled When Medicine is Futile, which addressed the issue of whether medical providers are sometimes (or even as a matter of standard office policy) over-treating patients during end-of-life medical care. The article brought up the issue of whether medical providers—in the name of patient protection and patient care—may actually be working against the patient’s best interests (even affirmatively harming patients) by administering an inappropriately excessive—and futile—list of medical interventions. The article references a new report by the Institute of Medicine titled Dying in America: Improving Quality and Honoring Individual Preferences Near the End of Life (2014).  Some of the recommendations for improved care include increased provider-patient communication, education of medical providers in alternatives such as palliative care, increased patient planning and decision making, and different payment structures that may better align with patient care quality more than just the quantity of the services provided.  The gist of the recommendations to improve patient care relate mostly to increased communication, increased education of providers and patients about alternative options, and creating systemic incentives to reward quality patient care over simply providing a high quantity of billable services. Similar to a hospital emergency room, courtrooms offer intensive and expensive services.  In the court system, attorneys rack up immense billable hours based on providing clients with a large quantity of paperwork to submit to the court.  In the courtroom, attorney-client communication, client education about their options for resolution and client power to make their own decisions can be lacking. The legal system, like the medical system, is going through a paradigm shift where legal service providers are rethinking even the most basic aspects of the services they provide and how they provide them and are finding new ways of doing things. Collaborative Practice providers implement best practices similar to those recommended for the medical profession referenced in the report mentioned above, only in the area of legal representation instead of medical care.  In the Collaborative process, there is an increased focus on the quality, rather than just the quantity, of legal services.  This change in focus is inherent in the agreement of the clients and attorneys that they will not go to court to resolve their conflict as part of the Collaborative process.  In the Collaborative model, clients meet with a team of professionals to share information, learn about alternatives that might not have been considered, and evaluate their options in an open discussion.  This provides clients with increased knowledge about their options, increased communication with professionals, and true decision-making authority.
172708699A friend of mine who knows I am intricately woven into the divorce-planning and alternative dispute resolution circles in the Minneapolis St. Paul metro recently asked me if I knew a certain divorce attorney.  He knew of a person who was not feeling too well about their choice of a divorce attorney.  I told my friend that I did not recognize the name. Being a little curious, I searched the web for this individual. What I found was that family law was one of about eight other areas of law this person practiced.  I wondered just how much family law this attorney does in relationship to all the other practice areas listed.  Little does my friend know, his question inspired my writing this blog post. Would you go to a painter if you needed a new roof?  Would you go to a heart surgeon for a fractured arm?  Hardly, you say. Why is it then when people have decided to end their marriage they first choose to see someone who is not a subject matter expert in the areas causing conflict between them and their spouse?  They want this person to fix all their problems when that person probably does not have all the skill sets to solve all of the issues that present themselves in a divorce.  I would submit that there is no one person who has all the skill sets necessary to effectively deal with all the intricacies of a divorce. Perhaps the conflict is about co-parenting the couple’s children.  Would it make sense to seek out a neutral child specialist to help the parents sort out the rough spots and more importantly benefit their children for years and really for their lifetime?  Maybe the conflict is over financial matters.  You would think a neutral financial specialist would be able to offer the most value to the couple in those situations.  A couple not able to communicate effectively may benefit the most by seeing a neutral divorce relationship coach who can help both spouses manage their emotions which in turn frees up the flexible thinking they will need as they work through getting unmarried.  If legal questions arise, you would think an attorney who primarily works in family law matters would be the best resource. What I have described above is the client centered team model approach to a collaborative divorce.  A team of professional experts in their own subject matter areas working for you and your family’s behalf.   If you would like to learn more about this respectful and dignified way to divorce without court click on www.collaborativelaw.org to check it out.
106905872I heard an advertisement on the radio this morning for a litigating divorce attorney. This attorney discussed the importance of removing the emotion from divorce and treating the divorce itself as a business transaction.  I understood her point – emotions can be messy or interfere with rational decision making. However, emotion is often the biggest part of divorce. Or, it often feels that way to clients. How can we ask clients to strip that piece out of the process? Rather, as a collaborative attorney, I believe that emotion can be used to healthily guide clients to mutually agreeable resolutions that have long-term staying power. I embrace the opportunity to take the client where they are at – emotions and all – and guide them towards resolution. Engaging a mental health professional or coach in the process can sometimes be the greatest asset provided to clients and allow them to balance the emotions with the necessary business-like decisions. Treating a divorce as a business transaction often leads to client’s making decisions for purely financial reasons. Using emotions and feelings of fairness or equity may lead to clients feeling as if the resolutions more completely address their needs. For example, if one spouse cheated on the other, an emotional response of anger or vindication may lead to the hurt spouse to ask for more financial pay-out. This sort of punitive outcome is not supported in the law and rarely agreed to out-of-court. However, if the parties have a co-parenting relationship or more emotional needs, a purely business-like interaction may never address some of the underlying emotions. Facilitating a discussion about how both parties are feeling and what they may need in order to move forward may been more beneficial to the clients than any financial resolution. Some clients want an apology or a better understanding of why something happened. Others may need to put in effort to establish a shared narrative or story for others. The finances matter – sometimes most of all. The collaborative process embraces the financial side of divorce, but also allows for a more holistic and complete approach that can address emotions, if the clients so desire.
186820735In Part I we learned that advocacy in the “rights-based” Court Model is hard on the people involved because by focusing on the 3rd-party decision maker, e.g., the judge, the parties care little about each other’s view.  As a result, their relationship can become more adversarial.  In Part II we learned that by removing the decision maker in the “interest-based” Collaborative Model the parties become the decision makers who resolve mutual problems based on their defined future needs, interests, and goals.  But is the removal of the 3rd party decision maker enough to create a process that is truly “soft” on the people? Most people who have gone through a divorce agree that divorce is much more than a legal event.  More importantly divorce is about changing relationships, improving communication, establishing co-parenting, engaging in problem-solving, and securing a stable financial future.  But many divorce processes do not adequately address these more important concerns, thus limiting divorce to simply a legal commodity. To gain the added value of improving your relationship with your soon-to-be ex-spouse, of becoming successful co-parents, of mutually planning for the future, and of customizing your financial arrangement to meet the needs of all family members within the resources available, requires the assistance and expertise of NEUTRAL professionals.   These neutral professionals include a Neutral Financial Professional, a Neutral Coach, and a Neutral Child Specialist.  This team approach is the “secret sauce” used in the Collaborative Model that can transform the experience of this life event into something constructive, affirming, and even peaceful.  Obviously, this is of great benefit to children. Diagram - The Power of Neutrality 082814 In addition to the support and expertise provided, the neutrality of the neutral professionals balances attorney advocacy.  This permits the attorney to stay in the problem-solving and interest-based advocacy role for his or her client, while the neutral professionals hold the ground for resolution on behalf of the whole family.  This interdisciplinary, holistic approach to advocacy and expertise is what distinguishes the Collaborative Model from any other model out there. Collaborative professionals like to say this model contributes to world peace one family at a time.  If this approach makes sense to you, tell your friends, family, and colleagues about the Collaborative Model and contribute to world peace.
People who are facing divorce after many years of marriage, or just later in life, face unique challenges. They are less connected by the need to provide daily care and financial support for their children. They also may be facing other life changes such as upcoming retirement or increasing health concerns (and costs!) as they age. Sometimes this has been called The Graying of Divorce. According to Mayoclinic.org, “Empty nest syndrome isn’t a clinical diagnosis. Instead, empty nest syndrome is a phenomenon in which parents experience feelings of sadness and loss when the last child leaves home.” It is a life transition where spouses can take a step back and look at how their lives are progressing. As part of this process of reflection, they may say to themselves: “I’ve put up with this long enough!” Alternatively, it might be a time when couples take advantage of having more time to explore new interests and activities to share together. A process that can be helpful to those considering divorce or separation is called Discernment Counseling. Discernment Counseling is different than regular couples counseling because–instead of just focusing on helping the marriage relationship–it focuses on deciding whether the marriage should be worked on or whether divorce or separation should be pursued. The University of Minnesota has a Discernment Counseling project has a helpful website that you may want to visit if you want to learn more about Discernment Counseling. If divorce is the path chosen, Collaborative Divorce is often a perfect option as it can help increase communication and mutual respect to the benefit of both spouses (and grown children!). A neutral financial professional can analyze retirement cash flow and budgets, including tax implications of withdrawing retirement funds. Empty Nest divorces have their own unique challenges. They also are an opportune time to be able to enter a process that the older divorcing couple can be proud of in creating a respectful transition to separate living and ending of their marriage.