Financially Ever After Widowhood

What are the key considerations when navigating the complex world of Medicare and health insurance as you approach age 65? In this episode, Riitta Schoenfeld, a Medicare expert, delves into the intricacies of Medicare, discussing eligibility, different plan options, penalties, and the importance of understanding your healthcare coverage. Join us as we unravel the maze of Medicare and empower you to make informed decisions for your financial and health security in your golden years. Understanding the difference between Medicare and Medicaid is crucial for eligibility and coverage. Riitta’s journey from volunteering to becoming a Medicare expert highlights the importance of helping others navigate healthcare options. Medicare eligibility is based on age, disability, or specific medical conditions, such as end-stage renal disease or Lou Gehrig's disease. The importance of signing up for Medicare at the right time to avoid penalties and ensure proper coverage. The distinction between Medicare Advantage plans and Medigap insurance supplements in terms of coverage and benefits. Long-term care, including custodial care, is not covered by Medicare, emphasizing the need for additional planning and insurance options. Resources Riitta Schoenfeld | LinkedIn Email: [email protected] Telephone: 516-331-4833 Stacy Francis | LinkedIn | X(Twitter) Email: [email protected]

Do you know what steps to take and how to keep yourself secure in the face of a devastating medical diagnosis? In this episode of Financially Ever After Widowhood, host Stacy Francis talks to Candace Dellacona, a family lawyer who helps older adults plan for their future. They discuss how to prepare for long-term care and protect your assets, such as ensuring you have a healthcare proxy and power of attorney and considering long-term care insurance. They also dive into why you should have a team of experts, including a geriatric care manager, who can help you find the best care options for your situation. Planning for the future with a terminal illness diagnosis involves crisis planning to protect assets and ensure proper care for the sick spouse. Medicaid and Medicare are essential programs to understand when planning for long-term care, with Medicaid serving as a payer of last resort for costs not covered by Medicare. Long-term care insurance can provide options and financial relief for individuals facing the need for extended care, offering flexibility in choosing care providers and settings. Advanced directives, including a health care proxy and power of attorney for finances, are crucial documents to have in place after receiving a serious medical diagnosis to ensure proper decision-making and care. Building a team of professionals, including financial advisors, elder law attorneys, and geriatric care managers, is essential for navigating the complexities of long-term care planning and advocacy. Support groups can be valuable resources for information and recommendations on care providers, legal assistance, and financial planning strategies for individuals facing medical crises and long-term care needs. Resources Candace Dellacona on the Web | LinkedIn | Facebook Email: [email protected] Phone: 212-545-1656 Stacy Francis | LinkedIn | X(Twitter) Email: [email protected]

When you suffer a loss, should you move forward or move on? Nikki Sewell, a therapist with a personal experience of profound loss, offers a unique perspective on navigating grief and moving forward after the death of both her husband and father by the age of 30. With over 17 years of experience in grief counseling, Nikki emphasizes the importance of not just moving on but moving forward in the tapestry of life. Join Stacy Francis on this episode of Financially Ever After as Nikki shares her insights on setting healthy boundaries, practicing self-compassion, and the complexities of re-partnering after loss. Moving forward, not moving on, is a more empowering approach to dealing with grief and loss, recognizing that past experiences are woven into the tapestry of our lives. Setting healthy boundaries is crucial in the grieving process, especially for women who may struggle with people-pleasing tendencies and societal expectations. Self-compassion plays a vital role in navigating grief and trauma, allowing individuals to acknowledge their emotions and prioritize self-care. The decision to re-partner after losing a spouse is a personal choice, and individuals should focus on their own growth and happiness rather than societal pressures. Recognizing that grief can manifest in different ways for different people, it's essential to be understanding and supportive of individuals experiencing loss. Seeking professional therapy and support can help individuals navigate the emotional and financial challenges that come with the loss of a spouse. Resources Nikki Sewell | Website | Weekly Blog Email: [email protected] Phone: 203-590-9642 Stacy Francis | LinkedIn | X(Twitter) Email: [email protected]

Have you considered the true cost of healthcare for women, especially in the face of widowhood? Forbes reports that women pay nearly $15 billion more than men in health costs. In this episode of Financially Ever After, host Stacy Francis is joined by Beth Battaglino, the CEO of Healthy Women, and Deb Gordon, the co-founder of Umbra Health Advocacy. Together, they discuss the significant challenges widows face in healthcare, including hidden and unexpected expenses that can cause severe financial strain. Financial education and proactivity is crucial, along with support from caring experts and advocates, so that you can empower yourself with physical and financial health. The widowhood effect highlights the increased risk of mortality and prolonged illnesses that women face after losing a spouse, emphasizing the importance of healthcare and preventative care. Women pay much more for healthcare than men, with women paying more out of pocket due to differences in utilization patterns and services needed. It is crucial to seek help and ask for assistance in navigating healthcare costs and bills, and take full advantage of the resources available to help reduce financial burdens and provide support. You can make informed decisions about your healthcare and ensure you are adequately covered if you understand health insurance coverage and benefits. There are numerous experts and advocates who will stand by your side. Utilizing healthcare flex spending accounts and health savings accounts can help women save money on healthcare expenses and plan for future medical needs. Hiring patient advocates or utilizing the services of organizations like the Alliance of Professional Health Advocates can provide expert assistance in managing medical bills and navigating the healthcare system. Resources Deb Gordon | Umbra Health Advocacy | X(Twitter) | LinkedIn | Alliance of Professional Health Advocates [email protected] Beth Battaglino | Healthy Women | X(Twitter) | LinkedIn Stacy Francis | LinkedIn | X(Twitter) Email: [email protected] Articles: Healthy Women: Understanding Health Insurance Terms Healthy Women: Choosing a Health Insurance Plan Healthy Women: Healthcare 101 for Women Forbes: Women Pay $15 Billion More Than Men for Medical Costs

Losing a spouse is difficult enough, and navigating the complex world of taxes only adds to that burden. In this episode of Financially Ever After, host Stacy Francis is joined by Samantha Harris, CPA, who leads her own tax preparation service company. Together, they provide valuable advice that will help you understand important nuances, file your taxes, and potentially save thousands of dollars in the process. Stacy and Samantha dispel some of the mystery around taxes after a loss, from finding the right professional guidance to understanding Social Security to proactive planning. Finding the right accountant is crucial for navigating tax implications after losing a spouse. With changes in filing status and potential tax savings opportunities, the right accountant can provide peace of mind and ensure financial stability. Understanding the different filing statuses, such as qualifying widow or head of household, can significantly impact tax liabilities. Choosing the appropriate filing status can lead to substantial tax savings and ensure compliance with IRS regulations. Organizing important financial documents and passwords can ease the burden on loved ones in the event of unexpected loss. Maintaining a clear record of financial information and passwords can streamline the process for your family and ensure a smoother transition during a difficult time. Social Security benefits may or may not be taxable, depending on various factors like additional income sources. Understanding the tax implications of Social Security benefits can help individuals plan effectively for their financial future and optimize their tax situation after the loss of a spouse. Communication and collaboration between financial advisors, accountants, and clients are essential to ensure comprehensive financial planning and tax strategies tailored to individual needs and circumstances. Resources Samantha Harris, CPA on LinkedIn Email: [email protected] Phone: 646-629-1381 Stacy Francis on LinkedIn | X(Twitter) Email: [email protected]

What are the key differences between traditional estate planning and elder law planning, and why is it important to consider elder law planning at a younger age? In this episode of Financially Ever After, host Stacy Francis delves into the intricate world of special needs planning and elder law with guest Britt Burner. Together, they navigate the complexities of legal and financial considerations for people with disabilities and those facing terminal illnesses. Planning for a disabled child's future requires careful consideration of government benefits and asset protection strategies. Understanding the nuances of Medicaid, SSI, and SSDI is crucial in ensuring the child's financial security and well-being. Spousal refusal and other legal strategies can help protect assets and qualify for Medicaid in the face of terminal illness or disability. Knowing the options available and seeking personalized advice from an elder law attorney can make a significant difference in navigating these challenging circumstances. Establishing a Supplemental Needs Trust can safeguard assets for a disabled child without jeopardizing their eligibility for government benefits. By setting up this trust, parents can ensure that their child's financial future is secure and that they continue to receive the necessary support and care. Personalized advice from an elder law attorney is essential in creating a comprehensive plan for long-term care and asset protection. By consulting with a legal expert specializing in elder law, individuals can develop a tailored strategy that addresses their specific needs and goals, providing peace of mind for the future. Early engagement in elder law planning, including powers of attorney and healthcare proxies, can provide peace of mind and security for the future. By proactively addressing legal and financial matters, individuals can ensure that their wishes are respected and their affairs are managed according to their preferences and values. Resources Britt Burner on LinkedIn Email: [email protected] Burner Prudenti Law on Website | Facebook | X | LinkedIn | Instagram | YouTube National Academy of Elder Law Attorneys Stacy Francis on LinkedIn | X(Twitter) Email: [email protected]

What if you received a call or email claiming to be from the IRS, demanding immediate payment for back taxes or threatening legal action? How would you react in a moment of heightened emotion and urgency? In this episode of Financially Ever After, Stacy Francis is joined by Kathy Stokes, who brings a wealth of knowledge and experience in combating financial crimes. As the Director of Fraud Prevention Programs at AARP Kathy brings unique insight into the tactics used by criminals, the importance of education in fraud prevention, and the resources available to protect oneself from scams. Discover how to empower yourself against fraud and safeguard your financial well-being. Understanding that the IRS will not initiate contact through calls or texts unless there is an existing issue is crucial in avoiding potential scams and protecting personal information. With a significant 400% rise in cyber crimes and fraud reported in recent years, it is more important than ever to stay informed and vigilant to safeguard against financial threats. AARP's Fraud Prevention Program, led by Kathy Stokes, plays a vital role in educating people about the risks of financial fraud and providing support to combat these crimes. Eight out of 10 women change financial advisors within a year of their spouse's passing, highlighting the importance of thorough research and due diligence when selecting a new advisor to ensure financial security. Those facing emotional vulnerability, such as widows, are often targeted by fraudsters due to their heightened emotional state, emphasizing the need for awareness and protection. Recognizing red flags like unexpected contact, urgency, and heightened emotions can serve as warning signs to identify and avoid potential scams, empowering you to protect yourself. Regularly monitoring credit reports and implementing credit freezes are proactive measures that can help prevent identity theft and financial fraud, ensuring greater security and peace of mind. AARP's Fraud Network Helpline, staffed by trained volunteers, offers valuable support and guidance to those facing potential fraud, providing a safe space to seek assistance and report suspicious activities for better protection. Resources Kathy Stokes on LinkedIn | AARP | AARP Fraud Watch Network AARP Fraud Watch Hotline: 877-908-3360 Stacy Francis on LinkedIn | X(Twitter) Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Holly Strelzik, a woman who has experienced her fair share of loss and grief, joins Stacy Francis on this episode of Financially Ever After. From a childhood of divorce and estrangement to the death of a close friend and several traumatic events, Holly has cultivated a profound connection to the art of dying and end-of-life care. As an end-of-life doula and grief recovery specialist, Holly understands the importance of caring for oneself while caring for others. She shares her personal journey as a caregiver and offers valuable insights on finding support and maintaining one's own well-being. Be inspired by Holly's wisdom and compassion as she empowers women to navigate the challenges of caregiving and grief. Taking care of oneself is crucial as a caregiver, as neglecting self-care can lead to negative consequences for both the caregiver and the person being cared for. Holly shares her personal journey of caregiving, from her childhood experiences to her current role as a caregiver for her husband with Alzheimer's. The 2-2-2 plan is a practical approach to ensure that caregivers have support in place for different timeframes, from a few hours to a couple of weeks. Caregivers face a higher mortality risk and need to prioritize their own well-being to avoid caregiver strain. Center for the Heart, founded by Holly, provides end-of-life care and grief support to individuals and families facing terminal illnesses. Grief is a complex process that requires compassionate support and understanding, and Center for the Heart offers a safe space for individuals to explore their grief and find healing. Embracing a spiritual practice or finding solace in nature can be beneficial for caregivers in maintaining their own well-being. Grief can be a catalyst for personal growth and can inspire individuals to serve others who are experiencing similar challenges. Resources Holly Strelzik on Instagram | LinkedIn | Facebook | Podcast | Center for the Heart | Center for the Heart LinkedIn Email: [email protected] Stacy Francis on LinkedIn | X(Twitter) Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

So many of us lost loved ones as COVID-19 swept through our communities, each of us with our own story of love and loss. But what about when those stories include our children? Melanese Marr-Thomas is a two-time Amazon bestselling author and entrepreneur, and she joins Stacy Francis on this episode of Financially Ever After Widowhood to share her powerful journey of love and loss. Melanese opens up about the devastating impact of losing her husband to COVID-19 and the challenges she faced as a widow and single mother of four children. Through her authentic and raw storytelling, Melanese offers a glimpse into the depths of grief and the resilience it takes to navigate life after loss. She shares some of the practical tools in her upcoming book, What the Grief? A Widow's Grief and Loss Becomes Lessons of Hope and Triumph, that helped her and her children, including honest communication, grace, and space. Tune in to this episode to gain insight, inspiration, and a reminder that it's okay not to be okay. We must be open and honest with children about grief. Melanese created a safe space for her children to express their emotions by sharing her own struggles and giving them permission to not be okay. Melanese shares her concept of "grief storms," which are intense waves of emotions, where grief is likened to a tornado that destroys everything. These destructive waves of grief were harsh at first, but became easier to manage as Melanese allowed herself to feel and work through her emotions. Connecting with others who are grieving provides solace and understanding. Melanese highlights the value of Facebook groups, grief support organizations, and therapy in navigating the journey. Being silent about grief hinders healing and support. Being vulnerable and open inspires others. Losing a spouse means the loss of shared dreams. Melanese shares her struggle with rebuilding her life and finding a new identity, particularly for her food truck business. Her husband was “the grillmaster.” Giving oneself grace and space to heal is crucial. Melanese shares her toolkit for coping with grief, including water aerobics, adult coloring books, and spending time in nature. Grief is a lifelong process, and there is no specific timeframe or expectation to "get over" the loss. Love and grief coexist. Resources Melanese Marr-Thomas on LinkedIn | Facebook | Instagram | Website | Hope Certain Instagram Email: [email protected] Stacy Francis on LinkedIn | X(Twitter) Email: [email protected] FrancisFinancial.com

Most parents think about the future of their finances, and the legacy that they will leave for their children. This week on Financially Ever After Widowhood, host Stacy Francis talks with renowned trust and estate lawyer Stefan Dunkelgrun about how to effectively plan your children’s inheritance and safeguard it against extravagance and divorce. As a partner at Davidoff Hutcher and Citron in New York City, Stefan brings a wealth of knowledge and experiences from his work with high and ultra-high-net-worth clients. In this episode, he shares eye-opening tales from the trenches, offering crucial advice on ensuring that your legacy serves your children in lasting, meaningful ways. Whether you're a parent of young children or have adult kids, join us as Stefan explains how to protect your family's financial future while ensuring your wealth enhances rather than hampers their ambitions. Estate planning is not just about wealth distribution but about ensuring the well-being of your loved ones after you're gone in a way that aligns with your family’s needs and values. Many parents grapple with how to leave money to their children, especially if they are minors. Stefan discusses creating trusts that provide for children's needs, like education and healthcare, without giving them unrestricted access to large sums at a young age. Divorce-proofing your child's inheritance is a critical aspect of estate planning. Stefan provides insights on how to structure trusts to ensure that your children's inheritance remains protected, even in the event of their marital dissolution. Stefan advises selecting someone as trustee who can manage the trust impartially and responsibly, ideally not the children's guardian to avoid conflicts of interest. Life insurance plays a significant role in estate planning; choosing the right amount and type of policy, and properly designating beneficiaries, can secure your children's financial future without unnecessary tax burdens. Gifting strategies are an integral part of estate planning, with options like direct payments for medical and educational expenses offering tax benefits. For high net worth families, Stefan introduces advanced strategies and tools that can extend the benefits of your estate across generations, offering educational funding and other support to grandchildren and beyond. Resources Stefan Dunkelgrun on LinkedIn | Davidoff Hutcher and Citron Phone: (646) 428-3112 Email: [email protected] Stacy Francis on LinkedIn | X(Twitter) Email: [email protected] FrancisFinancial.com

Robert Farrington, founder of The College Investor, is a student loan and financial aid expert. He guides individuals in making wise college decisions and assists families in managing the challenges of student loan debt. In this episode of Financially Ever After Widowhood, Stacy interviews Robert about how single parents can best save for and pay for college without compromising their own financial security. They discuss 529 savings plans, different types of student loans, as well as strategies to lower college costs. He also shares why it's important for parents to prioritize their own retirement savings first before saving for college. Take care of your own financial stability first before worrying about college savings - there are lots of ways to pay for college later. 529 plans allow tax-free savings and growth for education expenses. Most states offer tax deductions as well. Federal student loans typically have better terms and options than private loans. Never borrow more than your expected first year salary after graduating. Apply for scholarships and grants. Negotiate with the school's financial aid office. Consider community college for the first 1-2 years then transfer to save money. Take AP classes in high school to enter college with credits already completed. Find colleges with good financial aid packages to lower the overall cost. Have open conversations with your child early about money and college expectations. Resources Robert Farrington on the Web | The College Investor Website | Instagram | X | Email Tuition Fit Saving for College FAFSA Stacy Francis on LinkedIn | X(Twitter) Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Do you have a family business that could disintegrate into awkward disputes or expensive tax fights when you pass away? This week's guest, Michael Levy, knows all about the dramatic infighting and family stress depicted on HBO's acclaimed show Succession in real life! In over 20 years as an estate planning attorney, he has helped hundreds of families navigate messy succession scenarios. On this episode of Financially Ever After Widowhood, he shares expert insights on smart succession planning with host Stacy Francis, including strategies to transfer ownership interests while avoiding unnecessary taxes safely. Michael stresses thoughtfully and compassionately handling which family members will lead the business in order to future-proof your business. Succession planning is critical but often neglected by business founders who believe things will continue seamlessly after them. Without a plan, disputes frequently arise between heirs with differing ideas of who should take over the business. Strategies like buy-sell agreements, estate freezes, defective grantor trusts can facilitate tax-optimized succession transfers. Paying for business valuations regularly is wise to avoid surprises later when gifting interests or facing estate taxes. Spouses inheriting interests may still owe taxes, so planning ahead with vehicles like life insurance is key. Advisors like financial planners, estate attorneys and CPAs can help navigate these complex scenarios, so clients shouldn't hesitate to ask questions. Resources Michael Levy on Website | LinkedIn Stacy Francis on LinkedIn | X(Twitter) Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Jeanne Jacobwitz is a nurse practitioner and an adjunct professor at Georgetown University and New York University in the Graduate Midwifery and Women's Health programs. She believes that mental, physical, and financial health are interconnected. After losing her husband and experiencing her own grief journey, she joined The W Connection, a nonprofit providing support for widowed individuals. Jeanne joins Stacy Francis on this Financially Ever After Widowhood episode to discuss how prolonged stress impacts overall well-being. They also explore the concept of "broken heart syndrome" and the importance of self-advocacy. Dealing with ongoing stress from grief can seriously affect your physical health, leading to problems like heart issues, a weaker immune system, diabetes, and osteoporosis. It's important for healthcare providers to recognize that mourning is a health risk. Acute grief, often known as "broken heart syndrome," can cause real physical changes similar to a heart attack. It's crucial to identify it quickly. Feeling lonely can have a negative effect on your health, and being a widow often means more isolation. Joining community groups can make widows feel more connected. Widows should speak up for their own health by asking for more doctor visits and focusing on self-care, even when they feel tired and overwhelmed. Finding the right healthcare provider is important. Doing things that boost the "happiness hormone" oxytocin, like laughing, dancing, and hugging, can help you manage stress. Even simple acts like smiling more can make a big difference. Financial struggles add more stress, and most widows start retirement with fewer resources than average. This makes it even more important to stay vigilant about your health. The W Connection offers online support groups, workshops, webinars, and in-person meetups for widows. Being part of this community can help reduce feelings of isolation and loneliness. Taking proactive care of yourself and getting clinical support can significantly improve your long-term well-being. Resources Jeanne Jacobwitz on Website | Instagram | Email Stacy Francis on LinkedIn | X(Twitter) Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Cognitive Behavioral and Grief Coach Jordan Schwartz Hendin joins host Stacy Francis to discuss navigating the holidays after losing a spouse. Jordan draws from her personal experiences with grief, having lost her own mother at a young age and supporting her widowed grandmother through multiple losses. Now a professional coach, she works with women struggling with grief and major life transitions. In this week’s show, Jordan and Stacy explore handling loss and loneliness, honoring traditions, and staying financially sound. The holidays can bring up complex emotions such as sadness, anger, and loneliness. This is normal after a major loss. Avoid unhealthy coping strategies like becoming an "isolator" or "doer." Don't overcommit to events or hide away alone. Reflect on your core values. Focus on traditions that align with what matters most, like family time. Make new memories and experiences, especially with children. Gift experiences rather than material items. Have open conversations with family about your grief. Don't pretend to be okay if you're not. Manage your finances by focusing on your values, not material possessions. Stick to a budget for holiday gifts and activities. You don't have to navigate the holidays alone. Seek support from family or a grief counselor during this difficult time. Resources Jordan Schwartz on Website | Instagram | Email | Phone: 917-947-6037 Stacy Francis on LinkedIn | X(Twitter) Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Irene Weinberg shares her journey from profound grief to a renewed sense of inner strength and spiritual wisdom after losing her husband, Saul, in a tragic car accident. Irene's story goes beyond conventional narratives, exploring a spiritual awakening that shaped her healing journey and led her to a passion for helping other grieving women create a divine plan for their lives. She joins Stacy Francis on this episode of Financially Ever After to share her incredible story. Embracing a spiritual perspective can provide solace and guidance during times of profound loss. It’s important to seek therapy and professional support in navigating both emotional and financial challenges after the death of a spouse. Your grief can be a catalyst to personal growth and service to others. Irene recounts receiving messages before the accident that foretold Saul's departure. After the accident, she experienced a spiritual awakening, connecting with Saul through renowned medium John Edward. The messages provided undeniable proof of Saul's presence beyond the physical realm. Irene's connection with Saul brought her comfort in knowing that he was not lost and that there was more to life beyond the physical realm. The experience reshaped her perspective on death, eliminating fear and instilling a sense of acceptance. Channeling Saul for her book and podcast allowed Irene to explore deep questions about soulmates, the afterlife, and the universal experience. This process facilitated healing, not only for Irene but also for those who resonated with her journey. Irene emphasizes the importance of not staying stuck in the "swamp of suffering" after a loss. She shares her passion for introducing people to healers and resources through her podcast, helping them move through pain and grief to find joy again. Irene, in her third act of life, continues to pay it forward through her podcast. She strives to inspire others to embrace their purpose and make a positive impact on the world. Resources Irene Weinberg on Website | Facebook | Instagram | YouTube | Email The Grief and Rebirth Podcast on Apple Podcasts | Spotify | TikTok They Serve Bagels in Heaven Stacy Francis on LinkedIn | X(Twitter) Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

In this episode of Financially Ever After Widowhood, Stacy Francis welcomes Sarah Constantine, an accomplished estate planning attorney renowned for helping ultra high net worth individuals presere and transfer their legacies. Sarah’s commitment goes beyond the technical aspects of the law; it stems from a genuine belief in service and a desire to make a tangible difference in the lives of her clients. She and Stacy discuss the human side of estate planning, emphasizing the importance of organizing your affairs to support and safeguard your family. A comprehensive plan to manage your assets starts with foundational estate planning documents. These documents include wills, revocable trusts, powers of attorney, and healthcare proxies. Estate planning should be flexible to adapt to changes in tax laws and personal circumstances. Regular reviews and updates ensure that your plan remains effective and aligned with your goals. Specialized trusts offer tailored solutions for individuals seeking to achieve specific financial, philanthropic, or legacy goals within their estate plans. For example, Charitable Lead Annuity Trust (CLAT) allows individuals to contribute to charitable causes during their lifetime while eventually passing assets to heirs. It can be a powerful tool for both philanthropy and tax planning. Non-U.S. citizens may be subject to different rules and tax implications than U.S. citizens. Additionally, non-U.S. persons who own assets in the U.S. may be subject to specific rules and taxes. It is important to plan properly to ensure compliance with all applicable laws and regulations. Resources Sarah Constantine on LinkedIn | Arnold & Porter Email: [email protected] Phone: 212-836-8066 Stacy Francis on LinkedIn | X(Twitter) Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

In this Financially Ever After Widowhood episode, Stacy Francis welcomes Kelley Joyce and Susan Crumiller to explore rejoining the workforce after loss. Kelly, a seasoned career coach, specializes in helping professionals find their career path and realize their dream job. Susan is an accomplished attorney who is known for her work in representing victims of workplace discrimination. They share invaluable insights and guidance on dealing with workplace discrimination and reentering the workforce after experiencing a significant loss. When grappling with workplace discrimination and career transitions, always prioritize your mental health. Explore flexible work options, update your resume, and seek assistance. Remember, you don't have to go through this process alone; support is available. Clear evidence, such as text messages and written communication, can be crucial in legal situations. Effective communication is key, and creating a record of actions and behaviors is essential for addressing workplace issues. Navigating the workforce after a significant loss requires open and honest communication with supervisors. Balancing work and personal life is possible with the right strategies, such as documenting arrangements made regarding personal obligations. By building strong relationships with your colleagues and managers, you can create a network of support that can help you navigate difficult situations. Additionally, by presenting yourself in a professional and competent manner, you can earn the respect of your colleagues and make it more likely that they will listen to your concerns. Resources Susan Crumiller on Website | LinkedIn | Twitter | Instagram | Facebook | Email | Phone: (212) 390-8480 Survivors Law Project Kelley A. Joyce on Website | LinkedIn | Twitter | Email | Phone: (917) 566-0808 Book your free 45-minute consultation with Kelley today! Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Dawn Nargi is the Executive Director at The W Connection, an organization that provides essential resources for widows looking to rebuild their lives after the loss of a spouse. Beyond her role at the W Connection, Dawn is a widow herself. Balancing personal grief with the demands of single parenthood, her story is a testament to the strength of the human spirit. Dawn joins Stacy Francis to bring not just her professional expertise but also a deeply personal understanding of the journey of widowhood. She delves into the challenges, the risks, and the transformative power of support. Many widows grapple with job loss, reduced income, and the financial implications of their changed status. Navigating the professional landscape can be daunting, especially when balancing grief and potential single parenthood. The W Connection is dedicated to offering resources for widows as they rebuild their lives after the loss of a spouse. Providing invaluable resources, the organization assists widows at various stages of their journey. Widows need not navigate their workplace challenges alone. By initiating transparent conversations with employers, widows can strike a balance between their work and personal lives without jeopardizing their positions. Social ties are a pivotal part of healing and moving forward. The W Connection, with its community-focused approach, advocates the healing potential of shared experiences. Resources Dawn Nargi on LinkedIn | Email The W Connection | Become a Member | LinkedIn | Facebook | Instagram | Twitter Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

In this episode of Financially Ever After Widowhood, host Stacy Francis welcomes Carolyn Moor, the founder of the nonprofit organization Modern Widows Club. Recognized internationally for her impactful TED Talk on supporting those experiencing grief, as well as her appearances on The Oprah Winfrey Show, Carolyn has become a leading advocate empowering women in widowhood to transform their pain into strength. It’s critical to have support while you’re navigating grief and widowhood. Widows experience profound loneliness, and need a space where they can discuss their lost loved ones openly. Stacy and Carolyn discuss the double loss experienced by widows—the loss of a partner and the loss of their envisioned future together. Carolyn reflects on her own experience of losing her husband and the immense emotional and psychological impact this type of loss can have on your identity and sense of purpose. Carolyn shares the origins of Modern Widows Club, which began as a simple idea to provide a space for widows of all ages and backgrounds to share their experiences without judgment. Wisdom emerges from the unique experience of widowhood. Widows possess insights born from singlehood, marriage, divorce, and widowhood, leading to a reservoir of knowledge that can drive advocacy, change, and personal growth. Through listening to thousands of widows, Carolyn discovered common patterns and issues that widows face, such as financial instability, disinheritance, government neglect, and social exclusion. She realized the need to advocate for widows' rights and raise awareness about their challenges. Everyone can play a role in supporting widows, whether they have personal experience or not. Resources Carolyn Moor on LinkedIn | Email | (844) 429-4369 Legendary Widows: Stories of Legacy Modern Widows Club | Events and Programs | Facebook | LinkedIn | Instagram | Email Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Marc Zimmerman is an expert in all things probate. He is the co-founder of The Zimmerman Firm, a welcoming and informative resource for people seeking guidance on this important aspect of the law. He is committed to simplifying the often mystifying world of probate and estate planning and believes in taking a proactive approach to asset management; this has ensured smoother transitions for numerous families during times of loss. Marc joins Stacy Francis on this episode of Financial Ever After Widowhood to demystify the complexities of probate and highlights its significance, especially when assets are involved without a designated beneficiary. Probate, a legal process where assets are frozen until the executor appointed in a will seeks the Surrogate's Court's approval, has seen considerable delays due to the pandemic. These delays can span from six months to over a year and can become more prolonged if any litigation is involved. A revocable trust empowers individuals with control over their assets and ensures hassle-free access for the successor trustee upon their demise. Transferring assets into this trust is straightforward; while real estate uses deed assignments, tangible personal property, such as artwork, calls for individual assignment documents. Assets in a revocable trust might not invite immediate taxes, yet they remain within the taxable estate. Conversely, assets within an irrevocable trust are viewed as finalized gifts and face different taxation criteria. Acting on your estate planning requirements can be a gesture of care and responsibility towards your loved ones, ensuring they're spared unnecessary legal complications during an already emotionally taxing period. Resources Marc Zimmerman on the web LinkedIn | Email | (212) 519-5114 The Zimmerman Firm 600 Third Avenue, 35th Floor New York, New York 10016 Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Brian Corrigan is a seasoned expert specializing in trusts, estates, and fiduciary litigation. He brings a wealth of knowledge from his experience handling a diverse range of Surrogate Court matters, including will contests, contested accounting, fiduciary removal and surcharge, and discovery proceedings. With a primary focus on the implications for financial matters, Brian explains how a power of attorney, or an attorney in fact, is pivotal in decision-making on behalf of someone who becomes incapacitated. He joins Stacy Francis to offer key insights into common challenges, New York's legal adjustments, and protective measures against potential misconduct. The choice of a power of attorney plays a critical role, particularly in the context of financial decisions during incapacitation. It’s important to select a responsible and trustworthy person, capable of meticulous record-keeping. Understanding the legal nuances and state-specific requirements related to power of attorney is a must. In the absence of a power of attorney, alternatives like guardianship proceedings, though expensive and invasive, may become necessary. To counter potential misconduct or abuse by unscrupulous agents, it’s recommended to appoint a monitor who can review the transactions performed by the agent and ensure their propriety. A contingent power of attorney can step in if the primary agent is unavailable. You should have clear and open conversations with potential agents about their willingness and understanding of the responsibilities involved. Resources Brian Corrigan on LinkedIn | Farrell Fritz | Email | T: 646-237-1804 Farrell Fritz Defensive Estate Planning Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

When faced with a terminal illness diagnosis, your emotions can be overwhelming. You still need to navigate the legal aspects, however, to ensure that you and your loved ones are protected. Stacy Francis’ guest this week is Alison Arden Besunder, a partner in charge of the Trust and Estates department at Goetz Fitzpatrick. Alison has extensive experience in guardianship and estate litigation. She joins Stacy to discuss end-of-life planning, including steps to take when the timeline is limited. Stacy and Alison delve into navigating the healthcare system, and the importance of having critical documents in place to convey your medical wishes clearly. Highlights from this episode: Ensure you have a healthcare proxy and living will in place to appoint someone as your medical decision-maker and provide evidence of your end-of-life intentions. Discuss end-of-life decisions openly with your loved ones, promoting a foundation of good communication to handle high-stress situations effectively. Even with your best efforts, you may feel helpless when dealing with a loved one's illness, but remember that your support and care are invaluable during these challenging times. Avoid burnout as a caregiver by setting boundaries and not taking on more than you can handle. Seek support from therapists to manage the emotional burden effectively. Find the right caregivers for your loved one by tapping into resources like personal needs guardians or geriatric care managers who can connect you with experienced aides. When navigating end-of-life care decisions, ask questions and advocate for your loved one to ensure the best possible care and treatment options. Bioethics committees in hospitals can offer support and assistance in decision-making, especially in challenging end-of-life care situations. They can help translate medical jargon and provide guidance to both physicians and families. Even without a living will, there are other forms like MOLT (Medical Options for Life-Sustaining Treatment) or PULST (Physician Orders for Life-Sustaining Treatment) that can be used to make end-of-life decisions in a hospital setting. Navigating end-of-life decisions for pets also requires careful consideration, and sometimes there may be disagreements between family members on the best course of action. For anyone facing end-of-life care decisions or other financial challenges related to medical care, seeking guidance from financial advisors can be crucial to manage expenses and make informed choices. Resources Alison Arden Besunder on LinkedIn | Facebook | Twitter Goetz Fitzpatrick | LinkedIn Phone: 212-695-8100 x289 Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Charity is not just about giving; it's about making a difference. In this enlightening episode of Financially Ever After Widowhood, Mindy Stern joins Stacy Francis to discuss all things philanthropy. Mindy is a partner at Schwartz Sladkus Reich Greenberg Atlas LLP, specializing in real estate and estate planning. She has a passion for helping clients make a difference with charities during their lifetime and in their wills. She shares her wealth of knowledge on charitable giving, including insights into the intricacies of donations, the importance of understanding the mission of the institutions you support, and the impact of thoughtful giving. You’ll hear Stacy and Mindy discuss: The importance of aligning your charitable contributions with your personal mission. Mindy says that donors need to think through all aspects of their giving, including the potential impact on their estate and personal privacy. Institutional flexibility in using donations. Mindy explains that while institutions will do everything possible to preserve the mission for which the money was given, there may be circumstances where this becomes impossible. In such cases, institutions need to have a "plan B." "Giving big" can have a tremendous impact on both the donor and the recipient. This approach to giving can provide a lot of flexibility and support to the recipient organization. The more specific a donor is about the use of their funds, the more difficult it can be for the institution to ensure that the funds are used exactly as the donor wishes. The role of planning and considering other assets in giving. These conversations can provide a window into the donor's life, revealing what they value and collect, such as antique dolls or cars. Resources Mindy Stern on the web | LinkedIn Email: [email protected] Phone: 212.743.7028 Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Anne DeButte is a respected and empathetic grief coach, author, and podcast host. She has made significant contributions to the field of grief counseling through her comprehensive approach to helping people navigate through their unique grief journeys. Her book, Grief's Abyss: Finding Your Pathway to Peace, encapsulates her insights on the impact of grief and offers practical advice for those who are navigating this challenging life experience. In this episode, she guides people through their healing process by debunking myths, offering strategies for coping, and emphasizing the importance of support and internal work. Contrary to the adage, time does not heal all wounds. As such, distracting yourself from grieving a loss by filling your schedule may not always be beneficial. The grief journey varies greatly among individuals and rushing the process may only delay true healing. Grief affects individuals mentally, physically, emotionally, socially, and spiritually. Healing requires internal work, such as understanding your stress levels, acknowledging and expressing emotions, and seeking help when necessary. Isolation during grieving periods can be harmful. It's vital to seek support from friends, professionals, or community groups, especially those who can empathize with the experience of loss. This support is not just for advice, but more crucially, for understanding and companionship through a difficult time. Strategies like meditation, journaling, and breath work have been proven to help with the acute pain of grief. Incorporating them into your routine as daily activities may help you get through the day. Resources Anne DeButte on LinkedIn | Twitter | Facebook | Grief’s Abyss: Finding Your Pathway to Peace Let’s Talk About Grief with Anne DeButte UnderstandingGrief.com Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Are you struggling to sort through your household items after the loss of a loved one? It's not just a matter of spring cleaning; it's an emotional journey that requires empathy and support. In this episode of Financially Ever After Widowhood with Stacy Francis, Janine Sarna-Jones, organizational maven, shares her expertise on navigating the process of dealing with a partner's belongings. She and Stacy explore the balance between keeping reminders and avoiding a mausoleum effect, and the importance of making thoughtful decisions about items with a future life. Janine offers valuable insights on honoring memories while finding space for joy. There is no predetermined timeline for sorting through your partner's belongings after their passing. Take the necessary time to mourn and be emotionally ready for the task. Going through your loved one's items can bring up memories, thoughts, and feelings. It's a process that allows space for grieving and healing. Finding a balance between keeping reminders and creating a space that brings joy is essential. Curating meaningful items and letting go of the rest can help you maintain a healthy environment. If moving to a new space, avoid making hasty choices in the midst of grief. Moving should be a well-thought-out decision that aligns with your long-term goals and financial capabilities. Making thoughtful choices about items that can benefit others allows for a sense of purpose and ensures that belongings don't end up in the landfill. It's an opportunity to make a positive impact beyond personal grief. Items can be given a future life through donation to charities, animal shelters, and nonprofit organizations. Clothing and personal items can be repurposed and given new life. Tailoring clothes to fit yourself or transforming them into quilts or memory pieces can be a meaningful way to honor memories. There are no rules on how to deal with the personal effects of someone you love. Each person should find a way that brings them comfort and preserves the memories in a way that feels right for them. Kindness and self-compassion are essential during the grieving process. It's important to show yourself the same understanding and grace when navigating the challenges of sorting through belongings. Seeking support from professionals and involving your friends and loved ones can make the organizing process more manageable, physically and emotionally. Resources Janine Sarna-Jones on Website| LinkedIn | Facebook | Instagram Estate Clearance Checklist PDF Download Donations and Waste: Junkluggers Donations: Salvation Army | Goodwill | Dress for Success | Housing Works (tend to be East Coast – will pickup) | Local shelters | Coalition for the Homeless Selling Items: Craigslist | Ebay Making Clothes into Quilts and other items: Memory Stitch TV Shows: The Gentle Art of Swedish Death Cleaning WHAT DO YOU DO WITH ALL OF THE STUFF WHEN YOU LOSE A LOVED ONE? Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com A Financial Guide for Widows Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

In a world where loss and grief often appear as villains, there are those who embody the spirit of resilience. On this episode, Financially Ever After Widowhood, Stacy Francis welcomes Joy Rosenthal - a woman who turned her own personal tragedies into catalysts for compassion, empathy, and strength. Joy is a seasoned lawyer, divorce mediator, and an educator at the CUNY School of Law. In this episode, she's sharing her personal journey as twice a widow. Through heartbreaking losses, Joy discovered her innate strength, resilience, and most importantly, her capacity for compassion. She recounts her experiences, revealing how she navigated the maze of grief, and how these experiences fueled her work and personal life with a newfound fervor. Joy lost her first husband just six months into their marriage. As she rebuilt her life and found love again, she experienced another devastating loss with the death of her second husband during the COVID-19 crisis. Despite the overwhelming grief of losing two spouses, Joy shares how she learned to draw on her inner strength. This resilience helped her not only survive these difficult experiences but also to continue showing up for life every day. Having a support system is invaluable. Joy found solace in her community during times of grief. Joy’s personal experiences with loss have fundamentally shaped her outlook on life. These experiences allowed her to lead with compassion, and in turn, profoundly impacted her professional work as a lawyer and mediator. Her job at Legal Aid, where she was engaged in extensive reading and writing, helped Joy process her grief after her first husband's death. She underscores the importance of a balanced work environment that allows space for coping with loss. A recurring theme throughout Joy's narrative is the importance of keeping going and staying in motion. Her determination to persist and rebuild her life after each loss is an inspiring takeaway for listeners grappling with their own losses. Joy advised that women dealing with similar situations should assess their capabilities, desires, and circumstances, and adjust their work life accordingly. She emphasized the importance of patience and understanding during this process. Seek help to manage paperwork and administrative tasks, which can be overwhelming during a time of grief. Resources Joy Rosenthal on Website| LinkedIn | Facebook | Instagram | Linktr.ee Email: [email protected] Phone: 212-532-4704 Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Amy Holzman is a seasoned trust and estate attorney with over 25 years of experience. Specializing in estate planning and administration, Amy prepares wills, trusts, estate and gift tax planning, and healthcare proxies, for a wide range of clients including US citizens, international families, and LGBTQ+ clients. In this episode, Amy and Stacy Francis discuss the ins and outs of estate planning. Amy shares key considerations for single mothers with young children, highlighting the importance of appointing a capable and willing guardian for minors, the use of trusts for managing children's inheritance, and other critical elements of estate planning. The cornerstone of any will for parents with young children is appointing a guardian. This person should be capable and willing to raise the child in case something happens to the parents. It's also critical to have a detailed letter outlining how the child should be raised, to prevent family conflicts and misunderstandings later. Trusts are a viable way to manage and protect children's funds. Parents need to choose a responsible trustee, who can be guided by a financial advisor, to ensure that the child's funds are used appropriately. Healthcare proxies should be in place for children over 18. For families with substantial wealth, early gifting can help preserve wealth for future generations. Revocable trusts can also be used to avoid costly court procedures. Setting up a Roth IRA for children, regardless of whether they have income, can provide them with a financial head start. Moreover, parents should talk to their children about financial matters to prepare them for financial responsibility in the future. Resources Amy Holzman on LinkedIn Email: [email protected] Law Offices of Amy Holzman Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Many people believe that estate planning is only for high net worth individuals. But as Laura Cowan and I discuss in this episode of Financially Ever After Widowhood, having an estate plan is crucial regardless of your financial situation. Laura is a trusts and estates attorney based in Midtown Manhattan, and the founder of the Law Office of Laura Cowan. She joins me to dispel some common myths around estate planning, including why it’s important to have a healthcare proxy and power of attorney in place, and why planning is particularly important for unmarried individuals with limited resources. Laura also provides insights into the key documents involved in estate planning and the factors to consider while selecting the right trustee. You’ll hear Laura and I discuss: Estate planning is not just for the wealthy, and having an estate plan is important for everyone, regardless of their financial status. Unmarried individuals with limited resources should prioritize estate planning as they might not have the resources to deal with any unexpected events. Furthermore, planning is more complicated for them as they don't have the option to leave everything to a spouse and children. The healthcare proxy and financial power of attorney are crucial documents in estate planning as they enable someone to make medical and financial decisions on your behalf if you are unable to do so. The person you choose as your financial power of attorney should be someone you trust because they will have the same power over your assets that you have A living trust can be a better option than a will because it avoids probate, which can be expensive, time-consuming, and a public process. Trusts can also provide privacy, ease of distribution, and the ability to set up guardrails for how and when your children inherit your money. A trustee does not need to have expertise in investing or managing money and can hire outside professionals for help. Factors to consider when choosing a guardian for minor children include their values, morals, and potential changes in their marital status. Even if children are older, it is important to name legal guardians in a will to ensure that their best interests are met. Resources Laura Cowan Website | Instagram Email: [email protected] Phone: 212-760-2956 Talk with Laura about setting up your estate plan Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Are you struggling to cope with the loss of a spouse and the financial challenges that come with it? In this episode of Financially Ever After Widowhood, host Stacy Francis speaks with Kathy Gleason, an author and grief support expert with a deep understanding of the struggles that come with losing a spouse. Kathy is also co-host of the As I Live and Grieve podcast. Kathy details her personal journey of loss, including the challenges of managing the paperwork and red tape that come with it. She also shares valuable insights and practical advice on how to navigate the financial challenges of widowhood. Losing a spouse is a complex and devastating loss that brings many unique challenges, including the loss of future plans and the added responsibility of managing all the paperwork and red tape that come with it. It's important to surround yourself with supportive people who understand what you're going through and can offer emotional and practical support. If you are not the partner who manages the finances, it's important to make yourself aware of what accounts and assets you have in case you need to take over in the future. It's common for married couples to not make long-term financial decisions together, but this can leave one partner at a disadvantage if they need to take over after a spouse's passing. Prioritizing tasks and taking care of practical matters can help you begin to work on yourself and heal after a loss. Resources Kathy Gleason Facebook | Instagram Email: [email protected] As I Live and Grieve Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Widowhood is the state of being a widow or widower: a person whose spouse has passed away. This is a situation that no one wants to be in, but it is something that can happen, and that you and your family should be prepared for financially. When this kind of painful, life altering event occurs, it's important to have the structure in place for you and your family to be protected, and this year on Financially Ever After Widowhood, Stacy Francis is going to be talking to a diverse lineup of experts, and individuals who have gone through it themselves, to give you the tools and information you need to be prepared.

Morgan Mouchette is a Matrimonial and Family Law Partner at Blank Rome LLP specializing in divorce, child custody, and prenuptial agreements. She provides tailored support based on each family's unique circumstances and needs. In this episode, Morgan and Stacy Francis discuss prenuptial agreements, why they are recommended, and debunk some common misconceptions about them. Morgan discusses what you can do if you believe your prenup is unfair to you. A prenuptial agreement can help couples make financial arrangements and discuss their relationship ahead of their marriage. However, not everyone needs a prenuptial agreement, and each person should do it with knowledge and foresight. The most common misconception about prenuptial agreements is that they only protect the prospective spouse with all of the assets, but a good lawyer can even use prenuptial agreements to protect the spouse who has a lower income level. When getting married, you should open new accounts so that you can separate marital property from personal finances. If you signed a prenuptial agreement but no longer consider its parameters fair or equal, get as much information about your marriage's finances as you can. It’s empowering to have the data because you will have the necessary information to make decisions, whether that be divorce or otherwise. Resources Morgan Mouchette on the web | LinkedIn Email: [email protected] Phone: 212-885-5386 BlankRome.com Article: How to Talk About Money With a Partner Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Gary Botwinick is co-managing partner of Einhorn Barbarito Frost & Botwinick and Chair of the firm’s Trust and Estates/Taxation Practice Group. He is an estate planning expert with a deep background in taxation, estate administration, corporate formation, and succession planning. Gary shares some of the top issues that couples face in second marriages, especially if there are children involved, and gives important tips on how to make sure your assets pass on successfully. Estate planning isn’t just for the wealthy. Your estate plan should clearly outline how your assets will be passed on to your children, regardless of the size of your estate. Blended families often leave assets to their surviving spouse when planning how to divide assets after a death, but their spouse can easily change their mind. Children of the late spouse may be disinherited as a result. More people need to consider trusts as a vehicle to protect their families, instead of writing it off as something only rich people have. Have conversations with your children about money and spending habits. It teaches them lessons about financial responsibility and the value of a dollar. This is especially relevant for children whose parents have worked hard to provide them with a comfortable lifestyle. Resources Gary Botwinick on LinkedIn | Twitter Contact Gary: 973-6277 300 EihornHarris.com Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Amber Flanagan, CFP, is Principal at ASHCON Financial and advises clients from all walks of life about their financial and insurance needs. Her approach is to listen to her clients' unique situations, then determine what actions best suit their needs. Dr. Gerda Maissel, known as “The Medical Sherpa,” is a Physical Medicine and Rehabilitation Medicine physician, former health system executive, and founder of My MD Advisor. Her role is to advocate for patients with complicated medical problems and help them access the best possible treatment. In this episode, Amber and Dr. Gerda discuss the health insurance options available to women after divorce, as well as tips on how to afford better medical care and prevent medical mistakes. Healthcare in the US is particularly difficult for immigrants, women, people of color, and other social groups considered different. White men are not immune from not paying attention and coordinating care. COBRA typically allows divorcess to remain on their previous health insurance plan for up to 18 months, unless there are extenuating circumstances. Doctors do not want noncompliant patients - if you and your doctor aren’t getting along, they probably don’t want you in their practice. It’s better for both parties to move on to other people if the relationship isn’t therapeutic. You can put money into an HSA (Health Savings Account) at a tax-free rate once you have a policy approved by the IRS. Resources Amber Flanagan on LinkedIn | Facebook Email: [email protected] Contact Amber at: 347-574-6615 AshConFinancial.com Dr. Gerda Maissel on LinkedIn Email: [email protected] Contact Dr. Gerda at: 845-316-0175 MyMDAdvisor.com Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com

Bobbi Rebell, CFP® is the author of Launching Financial Grownups: Live Your Richest Life by Helping Your (Almost) Adult Kids Become Everyday Money Smart, a financial literacy advocate, the host of the Money Tips for Financial Grownups podcast and the founder of GrownupGear.com. She was previously a global business news anchor and personal finance columnist at Reuters and held various journalist positions at top news outlets, including CNBC, CNN, and PBS. Bobbi discusses the importance of gift-giving to children and how it can help them become financially successful adults. She also provides advice for parents on how to raise financially responsible children and how to ensure financial security post-divorce. Thanks to the Affordable Care Act, parents can now keep their children on their health insurance plan and have other financial ties to them until age 26. After a divorce, it’s important to take some time for introspection and identify what’s important to you. When reentering the dating pool and going into another marriage, you should have common values with your partner. That doesn’t mean you have to agree with every financial decision - you should just want the same things. Talking about money in a kind and respectful way is conducive to building and maintaining a healthy relationship. When disagreements arise, be sure to pick your battles wisely. Oversubsidizing your children to a level where it hurts your future also hurts them. There will come a time when you can no longer sponsor their livelihood, which leaves them floundering as they have not learned how to be a skilled financial grownup. Resources Bobbi Rebell on the Web | LinkedIn | Twitter Email: [email protected] GrownUpGear.com Sign up for Bobbi’s newsletter! Get Launching Financial GrownUps here! Liked the book? Leave a review here! Bobbi is happy to answer questions about her book. Jewish Women International Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Paula Jones is founder and Principal of Jones Estate Group and adjunct professor at the Western New England University School of Law. With over 25 years of experience, both internationally and domestically, she helps individuals of moderate to high net worth ensure that their assets transfer to the people they love in the right way. Paula shares how listeners can protect themselves and their family during the divorce process in the event of an untimely death. She busts a myth about wills and talks about what to do after divorce where estate planning is concerned. If a divorced or divorcing couple has a settlement agreement, they must honor that agreement when drawing up an estate plan. Existing obligations that continue from a divorce are legal duties, and they cannot be ignored, or else they may face legal repercussions. An estate plan is not just about putting together a will and getting powers of attorney. It involves identifying your assets and who owns them, who your beneficiaries are, how your assets are titled, and if they need to be retitled so they all wind up in the same place. Tenancy by the entirety is a legal arrangement that applies to married couples, where they share equal ownership of an asset with survivorship rights. In the event one of them passes, ownership automatically passes to the survivor. Power of attorney is a legal authorization for a designated person to make decisions on another person’s behalf. A complete estate plan includes a will and financial and medical powers of attorney. You should name a primary choice and a backup choice. Resources Paula Jones on LinkedIn Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Tracy Coenen is a Forensic Consultant and Fraud Investigator at Sequence Inc. Forensic Accounting. She is also the creator of the Divorce Money Guide, an online 10-step handbook for people going through divorce who suspect their spouse has been fraudulent. For over 25 years, she has been conducting fraud investigations. She also specializes in family law and divorce, and litigation. Tracy shares how to find out the likelihood of fraud in your marriage, and what to do about hidden investments. In divorces where one spouse is trying to pull the wool over the other’s eyes, that spouse is usually the one in charge of the finances. The spouse being deceived typically doesn’t know the in and out of every dollar. Financial infidelity involves lying about how much money you have and where the accounts are, having hidden accounts, and spending money inappropriately outside of the agreements you have as spouses. Sending a subpoena to a bank is something your attorney can do to investigate your spouse’s transaction history, among other things. A subpoena is a legal document that instructs an institution to comply with an investigation by submitting the relevant documents. If you need support, have a friend or family member who’s good with numbers sit with you and go through the information you’ve collected. Resources Tracy Coenen on LinkedIn | Instagram Email: [email protected] SequenceInc.com Your Divorce Money Guide (Coupon code for $100 off Divorce Money Guide: FRANCIS) Red Flag Assessment Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com

Melissa Rubenstein is a residential and commercial real estate agent at Christie's International Real Estate in Northern New Jersey. For the past 18 years, she has had her thumb on the pulse of what happens in real estate across the country. She is also an expert in divorce, her practice lending the relevant know-how to help clients navigate the challenges of buying and selling property. Melissa shares insights on current market conditions, and gives advice on how to get top dollar for your property when selling. During the thick of the pandemic, interest rates in the real estate market dropped to historic lows of around 2.5% - 3%. Many people took advantage of this amazing opportunity to buy their first home, which resulted in a scarcity of inventory. Prices are softening in luxury markets. With the lifted restrictions, people have resumed commuting to work, so they aren’t spending as much time in their homes. Investors should consider whether it’s a good idea to flip a house in the current market climate. Houses that need to be renovated are at price points that have investors competing against first-time home buyers. Doing a pre-listing inspection for divorcing sellers ensures there are no surprises. You can negotiate before bringing in a buyer. Having two sellers negotiate inspection items is a lot easier than having two sellers who may not be communicating. Resources Melissa Rubenstein on the web | LinkedIn | Instagram | Facebook MovesByMelissa.com Email: [email protected] Office: 201-962-9552 Mobile: 646-872-5912 Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Sherry Smith is a licensed marriage and family therapist, psychotherapist, certified divorce coach, author, speaker, and podcast host. She combines her training, practice, and experiences to promote non-adversarial divorce environments that support the family system. Sherry defines and describes co-parenting and shares tools, techniques, and resources parents can use to ensure their children are supported and empowered. Co-parenting occurs when you and your former spouse have a somewhat amicable relationship and are united in how you raise your children. Your parenting relationship is still there as it was before, but you’re doing it from two different homes. Parenting coordinators are individuals who act as an intermediary between the parents and help them learn how to communicate more effectively. They are helpful in situations where there’s difficulty and enmity between the parents. When frustrations arise, it’s easy to say things in the height of emotion, but you often regret it as the dust settles. Instead, you should take some time to calm down and engage in a self-soothing practice, like deep breathing, to gather your thoughts and communicate them in a progressive manner. Sometimes, situations occur when one parent is neutral about their former spouse in front of their children so they can foster love for the other parent, but the other parent speaks negatively about them. In time, the children will see which parent is more well-adjusted. Resources Sherry Smith on LinkedIn | Facebook | Instagram: @divorce_resiliency DivorceResiliency.com Email: [email protected] Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Deborah Nason is a journalist who has been covering business for the past 20 years, for both InvestmentNews and CNBC.com. She is on a mission to ensure people of all income levels get the financial advice and guidance they need. Deborah shares resources for helping people find the ideal financial advisor regardless of the state of their wallet, including some fantastic pro bono deals. A financial advisor is a trained, experienced professional who helps you understand your financial options, create a comprehensive financial plan, and make the right financial decisions along the way. They can help you plan a holistic approach to your financial life. Financial planning does not always involve investment management. Regardless of whether you plan to invest or not, it’s a good practice to have a financial advisor helping you with income and expense planning, creating goals, and maximizing your employee benefits. One of the best ways to ensure your advisor has the relevant experience in expertise and designations is by doing a broker check on FINRA. Like medical professionals, financial advisors also specialize. From divorce to entrepreneurship, there are a multitude of specializations under the financial advisor umbrella. The idea is to find somebody who really understands who you are and what you're about. Resources Deborah Nason on LinkedIn | Twitter | Facebook Email: [email protected] C4SB.com The People’s Guide to Finding the Right Financial Advisor FINRA.org FINRA Broker Check IAPD - Investment Advisor Public Disclosure Securities Investor Protection Corporation Savvy Ladies Foundation for Financial Planning XY Planning Network Garrett Planning Network Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Elizabeth Eiss is founder and CEO of ResultsResourcing, an online recruiting platform that matches employers with the right people. She is a serial entrepreneur, investor and gig economy expert who is passionate about business and driving win-win solutions for buyers and sellers in today's fluid talent market. Kelley Joyce is a career coach helping professionals discover their career path and land their dream job with confidence. She is founder and CEO of The Truth At Work, where she works with individuals who want to take their career to the next level. They share insights about all things careers, including tips for resume writing and calculating the value of your time. Elizabeth and Kelley discuss how listeners can elevate their careers and earn the income they deserve. Technology has created marketplaces that allow people who need skills to find people that have skills. If you want to work as a freelancer, you need to know what you’re good at and be able to translate that into a technology platform. Figuring out what you want to do with your life isn’t easy regardless of how old you are. Getting in touch with your ‘why’ makes it easier. One of the stumbling blocks in getting your first job is a company’s objective to get results - this proves as an obstacle to many because they don’t have the results in the package the company is used to seeing. When writing a resume, start by gathering information about yourself and then decide how you want to present it. The cover letter should include three compelling reasons why someone should hire you. Resources Elizabeth Ellis on LinkedIn | Twitter Email: [email protected] ResultsResourcing.net | How We Help Video ROI Calculator: Value of Time Kelley Joyce on LinkedIn | Twitter Phone: 917-566-0808 Email: [email protected] Complimentary Consultation TheTruthAtWork.com Resume Writing Roadmap Free copy of Kelley’s ebook Resume Writing Roadmap Free copy of Kelley’s ebook 5 Simple Ways to Find Your Dream Job Myers-Briggs Test The Strong Interest Inventory *Kelley is a certified assessor of the Myers-Briggs Type Indicator (MBTI) and the STRONG Interest Inventory. Both tools require a trained and licensed assessor for its proper administration and evaluation. Getting to Yes: Negotiating Agreement Without Giving In by Roger Fisher and William Ury What Color is Your Parachute? by Richard Nelson Bolles Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Laura Terrell is an executive coach with over 25 years experience working with high-achieving professionals. She helps her clients build wealth and tap into a mindset that will help them achieve more financial success personally and in their professional lives. Laura shares common pitfalls to avoid, and three questions to consider that will put you on the path to long-term financial security. People are often nervous about acknowledging that money is very important to them in a professional role. Money is almost like a taboo subject, as it’s something people tend to avoid talking about. Money is about your values, your priorities, and your goals in life. Some of these things help drive the finances, but they don’t depend on being able to do advanced calculus. It’s important to learn to be your own advocate. Advocating for the compensation you deserve can be daunting, but it’s imperative that you don’t negotiate against yourself and toss a number that’s too low. Households with a female breadwinner are often subjected to societal pressures - people sometimes believe something is wrong when a man is not providing for his family. Resources Laura Terrell on LinkedIn | Twitter Email: [email protected] LauraTerrell.com Free Discovery Call Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Genevieve Anderson is an investing and financial wellness coach dedicated to helping people take control of their finances. She teaches them how to invest, build wealth, and create healthy money habits through a 12-step recovery process. Genevieve uses her own experience to identify key signs of financial abuse and how to move forward healthily. She shares resources listeners can use to protect themselves and their family, and put them on the path to long term financial security. If you don’t have a lot of assets, it might be easier to go to your local bank or credit union and ask for help in doing simple processes like creating a budget or paying down debt. On the flip side, if you have a lot of assets, it’s really easy to find a wonderful financial advisor to help you navigate your financial journey. Signs like being given a strict allowance and spending limits, threats of cutting off financial support, limiting access to money, and even not being able to pursue a career may not feel significant, but the longer it happens, the more they compound. Society has a tendency to shame women when they get hurt and scammed by men. It’s important to remember that it’s not your fault, it’s not embarrassing, and it happens to more people than we realize. It’s helpful to talk to a counselor or therapist about serious concerns in your relationship - a third party and professional can tell you whether your partner is exhibiting normal behavior or not. Resources Genevieve Anderson on Instagram Email: [email protected] HolisticPersonalFinance.com Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com

Kathryn Ford is an award-winning celebrity coach and consultant, and the founder and CEO of Excellence Institute, the premier community for sophisticated, extraordinary women. She is also an Amazon best-selling author specializing in helping high-achieving women live with an abundance of health, wealth and love. Kathryn is a Los Angeles Business Journal nominee for Woman of the Year, and has been named ‘One of the top female entrepreneurs disrupting the business world' by Entrepreneur Magazine. She shares how she turned trauma and tragedy into inspiration, and how listeners can do the same in their own lives. We all have an inner pharmacy within us. When we are happy and thriving, that pharmacy kicks out sparkling, beautiful chemicals that bathe every cell in a “fountain of youth,” which helps us maintain our youthfulness - not just in appearance, but in every organ as well. Your personal passion prescription is a blueprint for where you’re headed. To develop it, you must ask yourself the most important question: what would you love? The most important real estate you will ever manage is your mind. When you learn to manage your mind, you can create whatever you would love. As women, when you are in your “divine feminine” or the receiving mode, your awareness is opened, and you are able to see that there are other ways and opportunities for increasing your wealth. Resources Kathryn Ford on LinkedIn Email: [email protected] KathrynFord.com | ExcellenceInstitute.com Be Well! A 7-Step System for Radical Healing Three Men, Six Lives When You Realize How Perfect Everything Is No Endings, Only Beginnings Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Syble Solomon is the creator of Money Habitudes, a financial tool that helps people understand the psychology of money and make wiser financial decisions. She is a member of the Financial Therapy Association and a pioneer in looking at the intersection between money and emotions. Syble shares insights on what motivates financial decisions, and the deep-rooted and complex feelings we often have towards money. She talks about Money Habitudes, and the six different patterns you need to know to emerge from the divorce process in a financially sound place. Money Habitudes is a self-assessment game that helps players become aware of their habits and attitudes towards money. There are six habitudes that any one person may possess, but people usually have one pattern they follow the most. Most people get so caught up in the conflict their differences create that they don’t realize those differences balance each other out. Our first relationship with money is developed based on the messages we pick up from our parents. We inherit these messages, which influences the way we view money and make financial decisions. One thing you must learn to do is communicate when you are angry, in a way that meets your needs rather than just letting the anger out. Resources Syble Solomon on LinkedIn MoneyHabitudes.com - Cards | Online Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Seth Feinman is a 15-year veteran in the mortgage industry. His current role is Vice President of Silver Fin Capital, where he manages the licensed loan origination team. He is most proud of working one-on-one with clients to find the best loan product based on their unique situations. Mark D. Friedman is an award-winning real estate broker at Brown Harris Stevens and also represents buyers and sellers in Manhattan real estate as the co-founder of the Friedman-Rosenthal team. Seth and Mark share with listeners how they can have lenders fight for their business. They talk about interest rates and how to win the property. When divorce happens, one party may potentially need to keep the home and refinance, and the other is going to be moving out and potentially buying. Self-employed borrowers need to work with mortgage brokers as opposed to mortgage bankers - it affords them more options and different ways to structure their loan. You have to be smart about who you hire as a mortgage broker, and ensure that you do research yourself as well. People who work in banks will act in the interest of their employers, and in order to keep them happy they will sell clients whatever product their lender has available, which may or may not be what works best for the client. Resources Seth Feinman on LinkedIn Silver Fin Capital Group Mark D. Friedman on the Web | LinkedIn | Twitter Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Karen Chellew and Catherine Shanahan are the founders of My Divorce Solution, a divorce preparation platform team that includes a Certified Divorce Financial Analyst (CDFA) and Legal Liaison (LL). Having both experienced divorce, they combined their professional experiences in the financial and legal world to develop the MDS Financial Portrait™, which endeavors to erase the confusion and frustration you have been facing during the divorce process. Karen and Catherine share insights about their services - they talk about how they build each client’s Portrait, how their process works, and how they help clients move on. During the divorce process, there is often a gap between financial analysis and legal requirements. Financials mostly focus on data, which is only helpful in litigation and in processing a divorce if you have the documentation to support it. Not knowing what you have, what you need, what you want, and what your options are is a detriment to yourself - you can’t make smart decisions if you don’t have the proper information. My Divorce Solution prides themselves on their symmetry in documentation - they have flowing communication with every professional involved in their client’s divorce process, and share information so that things progress smoothly without any confusion, Divorce does not define who you are. It is a chapter in your story, and you get to define who you are moving forward. Resources Karen Chellew on LinkedIn Catherine Shanahan on LinkedIn Phone: +215-486-8347 Email: [email protected] My Divorce Solution | Instagram | Twitter | LinkedIn | Facebook | YouTube We Chat Divorce Podcast Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Jaime Morgan is a Certified Life Coach who has helped many women going through the divorce process move toward a new life filled with happiness. She brings years of experience to her clients, as well as her personal experiences with a failed marriage and divorce, as she assists them in creating action-oriented plans for life post-divorce. Jaime guides listeners through a three step process they can use to “accept, surrender, and move on.” She shares tips for dispelling “negative Nellies” - unhappy thoughts about yourself and your situation - and turning downward spirals upwards. Accepting your situation begins with looking within. It’s human nature to point fingers when bad things happen to us, but we have no power over the things outside of us - we don’t have control by wanting everything else to change. We only have power over our thoughts, actions, and reactions. Letting go is the result of other actions. It involves creating a new awareness of your thought patterns and saying “it is what it is” when you find yourself dwelling on regrets. It takes constant practice and intention - it’s not going to happen overnight. Meditation helps you organize your thoughts and acknowledge your emotions. By taking a break and simply focusing on your body, you give yourself an opportunity to stop an adverse reaction dead in its tracks. True, authentic confidence occurs when we know our flaws inside out and are willing to do the work to mitigate them. We know who we are and what we need, and we accept it all - we love the good with the bad. Resources Jaime Morgan on LinkedIn | Facebook | Instagram | Website Mobile Phone: +250-212-1739 Email: [email protected] Join Jaime's Free Facebook group VIP Abundant Life Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

James Guberman is partner and founder of Guberman Advisors, an advisory firm helping clients to understand the financial consequences of the decisions they face during their lives, including divorce. James is also a Certified Financial Analyst (CFA) and Certified Divorce Financial Analyst (CDFA). He is a board member of Savvy Ladies, a nonprofit passionate about bringing financial planning education to women. He educates listeners about the nature of hidden assets - why they’re not really “hidden,” and how to uncover them. If you know how to read bank and brokerage account statements, most things are not hidden. The only truly hidden things are those that don’t go institutional, like cash exchanges and purchases - there’s no paper trail associated with them because hardly anyone bothers to take receipts anymore. Hiding an asset greatly overlaps with fraud, and as with fraud, there must be a motivation and an opportunity to do it. In divorce, that motivation is the breakdown of the relationship - one partner can see things may end, so they want to take certain things off the table to ensure they won’t have to share them. It’s important to not take your spouse’s word as gospel when they tell you about the value of their assets, especially if it’s a business. It’s better to talk to a business valuation expert to double check. Developing your financial reading skills is the critical first step to discovering hidden assets. You have to replace your partner’s skill set in financial literacy with someone you can trust, and what better person than yourself? Resources James Guberman on LinkedIn Email: [email protected] Phone: (646) 906-5194 Guberman Advisors Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

We’re bringing back a popular episode from last year where Stacy Francis interviews Lisa Zeiderman about divorcing a narcissist. Lisa Zeiderman is Managing Partner at Miller Zeiderman, one of the leading matrimonial firms in New York and the tri-state area. She is also a certified Divorce Financial Analyst and has been recognized by the American Institute of Family Law Attorneys as one of the 10 Best Family Law Attorneys for Client Satisfaction. She joins Stacy Francis to share everything you need to know about divorcing a narcissist. Some traits that may indicate that your partner is a narcissist include: charm and charisma, proficiency in manipulating situations to suit their benefit, lying, and a lack of empathy. People married to narcissists usually have volatile relationships that are more prone to being emotionally abusive. Divorce is already a challenging process, and it is even more so when a divorcee is afraid of their partner. If you suspect your partner may be a narcissist, and you want to divorce them, you need to collect information and be as informed as possible. This will help you prepare for the process as much as you can. A strong attorney who will advocate for you is a key component to successfully divorcing a narcissist because oftentimes a narcissist will use mediation as a form of control. Resources Lisa Zeiderman on LinkedIn Email: [email protected] Contact Lisa at +914-455-1000 LisaZeiderman.com Divorcing a Narcissist on Psychology Today https://www.psychologytoday.com/us/blog/legal-matters/201906/divorcing-narcissist-be-prepared Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

In this episode, Stacy Francis joins the Healing Broken Families Podcast for a crossover interview. She shares how to create empowering strategies for financial planning and wealth management before, during, and after divorce. She explores becoming financially savvy and taking a step closer to financial mastery. Divorce incurs both short-term and long-term expenses. Most people don’t focus much on the long-term expenses, but they are arguably the more debilitating, especially for women, whose ability to rebound financially is less than their male counterparts. Some women going through divorce prefer to keep their marital home for a variety of reasons, some of which include maintaining stability and keeping expenses low. However, this decision often works against them, as they would have to give their spouse an asset(s) of equal value. In high net worth divorces, it is imperative that each party understands each account and what the tax implications of them are; they must not only look at what’s on their net worth statement, but also what it will look like after taxes. The most successful clients of Francis Financial are the ones who have a team of their matrimonial attorney, financial coaches, and therapists. They are better equipped to work effectively with their attorneys and deal with difficult spouses. Resources Barbara La Pointe on LinkedIn | Twitter Barbara La Pointe.com Healing Broken Families Podcast Mint.com Stacy Francis on LinkedIn | Twitter Email: [email protected] FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!