DIVORCE FINANCIAL PLANNING
Divorce Financial Planning
Financing Your Fresh Start
At Cover Your Assets, we specialize in empowering women during and after the divorce process by providing tailored financial guidance and support.
Hello, my name is
Josephti Cruz
and I'm a Certified Divorce Financial Analyst (CDFA®) here to help you at every stage of the divorce process.
Who We Serve
1
Executive Powerhouse Women
Our executive clients, who are the main breadwinners, seek to take control of their financial future while navigating the complexities of divorce. We help them delegate essential tasks like financial planning and investment management, enabling them to focus on personal growth and professional success.
Earning $500k+/year and serving as the primary breadwinner.
$4 million+ in marital assets (excluding home), expecting at least $2 million to invest post-divorce.
Delegates tasks to a nanny and housekeeper; previously shared a financial advisor but seeks her own moving forward.
Values therapy and personal growth, maintains a structured life, and focuses on rebuilding finances for the future.
2
Dedicated Stay at Home Moms
For our long-term SAHM clients, who may feel overwhelmed and lack confidence in financial matters, we offer the education, resources, and ongoing support they need to feel secure and informed during settlement negotiations and beyond.
Married 20+ years, raised children who are now independent; husband was a C-level executive.
Actively engaged in civic pursuits and maintains a vibrant social life.
Marital assets exceed $6 million (not including home), likely to receive substantial alimony or a lump-sum buyout, along with $3 million or more in liquid assets.
Lacks confidence in financial matters but eager to rebuild her life; seeks support during settlement negotiations and desires ongoing help to maintain her standard of living post-divorce.
Stages of Divorce
01 Making the Decision
At this stage, you are contemplating divorce, perhaps separated from your spouse, and/or ready to move on from your marriage. You made the painful, difficult decision alone or with your spouse that your next step is divorce.
Building your divorce team of professionals that you can trust to help you navigate through the various aspects of divorce is crucial:
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The role of a lawyer or mediator is to get you through the legal process of the divorce.
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A therapist or divorce coach can help you sort through all the emotional and psychological issues that you and your family will experience during this transitional period.
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As a Certified Divorce Financial Analyst, CDFA®, I provide individuals and their attorneys, couples, and mediators with financial expertise during divorce. Lawyers and mediators often struggle with properly educating their clients on the financial complexities of their settlements. As a CDFA®, I can partner with a divorce team or work directly with you and analyze your financial situation to create settlement solutions agreeable to both parties. These financial reports and settlement solutions are used by attorneys as references when drafting the divorce decree.
02 Building Your Team
03 Rebuilding Your Financials
After all settlement options are negotiated and your divorce is final, it is time to rebuild your financial life. Real work starts now: accounts need to be opened or closed, wills/trusts/insurance policies redone, investment advice and management, retirement planning, and more.
With over 25 years of experience in investment management and financial planning, Jade and I are equipped to help you manage your financial life post-divorce to ensure that your financial plans have the best chance of success. Through our wealth management firm, WealthGarden f.s., we can continue to partner with you on your new life post-divorce.
Considering Divorce?
Information Gathering
We'll sort through your financial documents to give you a clear picture of where you stand.
Analysis
We'll analyze your finances to create an easy-to-understand summary with settlement options and a sound financial plan.
Settlement Negotiation
We'll meet with you to discuss our findings and talk through different options until an agreement is reached.
Documentation
We'll compile the agree-upon settlement terms in a document that you or your mediator/attorney can reference when drafting the divorce decree.