Murrieta Affordable Divorce Help
Looking for Murrieta affordable divorce help to guide you on divorce financial decisions? Ou are in the right place!
Anguish, bitterness, confusion, despair; going through divorce is indeed an emotional rollercoaster. The assortment of feelings are already difficult to handle, then you still have to add “finances” into the fix. It gets even more difficult.
Divorce is an expensive ordeal. The process itself is already a burden to one’s pockets, and every financial aspect of your life might get affected—health insurance, life insurance, mortgage, credit card debt, and so on. So, how do you go about this?
If you’re bent on going through with this process, it shouldn’t have to be expensive. In Murrieta, affordable divorce help services are available and it’s offered by award winning financial advisor, Kimberly Surber.
As your Certified Divorce Financial Analyst, she will help you build a harmonious and financially stable environment for yourself and your family.
What Kim Surber Can Do For You
In this emotionally distressing period, you’ll be required to make crucial financial decisions that you may not be emotionally able to comprehend.
It’s risky to make decisions in this disposition because one wrong step could spell financial disaster. With that said, availing the services Certified Divorce Financial Analyst (CDFA) could prove to be pivotal in the whole divorce process.
If you hire me as your CFDA, I can make the process smooth sailing you and your attorney.
I’ll also be helping you and your lawyer review all the options you can avail, and help you understand the impact of your decisions and how they will affect your future.
Protecting Your Finances During Divorce
The whole process of divorce can drive you insane, and separating from your spouse just the start of your problems.
Besides dealing with disentangle friends and extended families you want nothing to do with anymore, you’ll also have to deal with your possessions, finances, and insurance.
Knowing your assets can be a make-or-break post divorce. If your review your assets thoroughly, it will benefit you greatly.
And you don’t, it might haunt you in the future. With that said, it’s safe to say that reviewing and taking note of what you have is extremely crucial.
You can protect yourself by knowing:
What assets you have,
What you want to keep, and
What you are willing to give up or compromise.
As your CDFA, I’ll be helping you organize your financial concerns. I’ll make sure that there will be no loose ends, and your assets will be well-protected. Here are the general things you can do to protect yourself during the divorce:
Know what you have and keep records (and copies) - Gather all the documents you have: financial statements, tax returns, credit card statements, loan applications, car registrations, wills, and insurance policies.
And for protective measures, make copies of these documents. They will serve as solid proof of separate property, income and inheritance or family gifts.
Document valuables that you may have around the house - If you have valuable items such as artwork, jewelry, cars, antiques, and the like, take photographs of them. Film them if you must. Documenting them in this manner will be useful for difficult divorces when one spouse might try to hide assets.
Keep your half in mind - If otherwise stated in your prenuptial agreement, the general rules is half of what you acquired in marriage is yours.
This holds true for property that was acquired during the marriage but perhaps for some reason was listed under the name of just one spouse.
Be practical - Your house may just be your most important asset, and may also be the most financially burdensome. You must thoroughly consider whether it’s practical to keep the house or not. If it’s not viable, then it’s probably time to let go of it.
Other things to consider to protect yourself:
Beneficiaries. You’ve probably listed your spouse as a beneficiary to your investment accounts, insurance policies and bank accounts. If this is true, changing this would be the most logical choice.
Credit Card Debt. Credit card debt acquired during the marriage will eventually be a shared responsibility between you and your (ex)spouse. Though with this arrangement, it would still be wise to close all joint accounts.
If not possible, have your name removed from the accounts.
This will relieve you from partial responsibilities for any charges that may be incurred on to the accounts
Divorce and How It Can Affect Your Insurance Needs
Divorce will inevitably affect your finances, and your children and assets are the ones should protect first. With that in mind, insurance is among the first things you need to look at during a divorce because they are financial items that will eventually affect your family and other assets.
Your coverage and insurance requirements are bound to change significantly, especially if you have minor children, or children who are still dependent on their parents.
So, the appropriate protections should always be in place as you allocate possessions.
Review Designated Beneficiaries
It’s already given that you should remove your spouse as a beneficiary on your will, life insurance policy, IRA and 401(k). I would also recommend that you consider changing your trustees and powers of attorney.
Here are the other items you should review during the divorce process:
Murrieta Affordable Divorce Help - Call Kimberly Surber Now
Contact me today to set up a free consultation. You can reach me at 907-347-3860, or you can email me at
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