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:

  • Automobile Insurance

 

  • Home Insurance

 

  • Life Insurance

 

  • Health Insurance

 

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 divorce@kimberlysurber.com

 

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DISCLOSURE

Kimberly Surber is a Certified Financial Planner®  and a Certified Divorce Financial Analyst®; however such registration does not imply a certain level of skill or training and no inference to the contrary should be made. Information presented is for informational purposes only, does not intend to make an offer or solicitation for the sale or purchase of any securities, and should not be considered investment advice.  Kimberly Surber has not taken into account the investment objectives, financial situation or particular needs of any individual investor. There is a risk of loss from an investment in securities, including the risk of loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular investor's financial situation or risk tolerance. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed here. Past performance is not indicative of future results. Investments involve risk, including loss of principal and unless otherwise stated, are not guaranteed. Information provided reflects Kimberly Surber's views as of certain time periods, such views are subject to change at any point without notice. For a copy of our Privacy Policy, see below.

Kimberly Surber provides informational articles not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Kimberly Surber is not responsible for the consequences of any decisions or actions taken as a result of information provided in these articles and does not warrant or guarantee the accuracy or completeness of the information requested or displayed. External Links are not affiliated with Kimberly Surber.

The Women’s Choice Award Financial Advisor program was created by WomenCertified Inc., the Voice of Women, in an effort to help women make smart financial choices. The program is based on 17 objective criteria associated with providing quality service to women clients such as credentials, experience and a favorable regulatory history, among other factors. Financial advisors do not pay a fee to be considered or placed on the final list of Women’s Choice Award® Financial Advisors, though they may have paid a basic program fee to cover the cost of a client survey through Advisor Impact. The inclusion of a financial advisor within the Women’s Choice Award Financial Advisor network should not be construed as an endorsement of the financial advisor by WomenCertified or its partners and affiliates and is no guarantee as to future investment success. Women’s Choice Award® Financial Advisors and Firms represent less than 1% of financial advisors in the U.S. As of February 2016, of the 783 considered for the Women’s Choice Award, 122 were named Women’s Choice Award Financial Advisors/Firms.

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