If you are in the middle of a divorce, near the end of the process, or you think you may be heading toward one, I encourage you to read Money & Divorce and the 57 Most Frequently Asked Questions About Divorce to learn how to protect your future financial security...                                                                 -- Gary O. Clement, CFP®     Å Easy to read...no legalese or hard to do math  Æ   Å Easy to follow steps   Å    Includes checklists, worksheets, and resources          Answers to money and divorce questions   Æ

Did You Know?

• having an attorney can protect you legally but not necessarily financially? In most cases, attorneys get as much for you as possible but they don't always take taxes and other costs into consideration when it comes to dividing money assets. Taxes and other costs can decrease what you end up with from 10% to 30% or more!

• that your after divorce your lifestyle can drop by 15-30% or more and that in many cases, some of this drop can be prevented by minding your money during your divorce.

• you have the right and the responsibility to be an active participant in your divorce. Studies show that people who take an active role in their divorce

Money & Divorce will show you how to...

FOCUS on the MONEY side of your divorce and why that is so important. Many people get so bogged down in the legal and emotional hassles of divorce that they forget to focus on their bottom line. Patricia says that at it's core, divorce is a business transaction and she teaches you how to take a business approach to the money side of your divorce during each step of the process.

ORGANIZE your finances and PLAN to get your fair share. In order to get your fair share, you have to know what what the 'whole' looks like. Patricia walks you through a step-by-step process of first identifying marital versus separate assets and debts, organizing your finances (what you own and what you owe) and then valuing them so that you know what you have to work with. Then she shows you how to choose your best options are based on your future plans.

STRENGTHEN your position for divorce NEGOTIATIONS. Knowledge is power and if you know what you have and what it's worth, you'll be in a better position to negotiate for what you want and need to get off to a good start in your new life. It's like breaking the code and the the decoder instructions are included in Money & Divorce.

MAXIMIZE your share of marital ASSETS. Sometimes things are not necessarily what they appear to be. Patricia shows you times when you need to look beneath the surface to uncover hidden costs or tax consequences that can easily eat up a large portion of what you get in your divorce settlement. And, most importantly, she shows you how to do this before you sign the final papers so you don't get caught short.

HANDLE CREDIT and DEBT issues during your divorce. Most couples have some type debt that they have accumulated during the marriage. Money & Divorce includes tips and strategies to deal with different types of debt issues during the divorce to help you avoid getting stuck with your ex-spouse's debt after the divorce.

SAFEGUARD your alimony and child support INCOME. Stuff happens, and in the blink of an eye, a large chunk of the payments you were expecting and depending on could disappear. Money & Divorce includes strategies to put in place before your divorce is final to safeguard or protect your future income.

Walk away with a PLAN for your FUTURE. So often in divorce cases, planning for the future is the last thing you do. But Patricia urges you to do it a lot sooner. Understanding where you want to go and what you want to do allows you to make better settlement choices during your divorce. Money & Divorce includes strategies and templates to plan your future so that you can hit the ground running as soon as the decision to divorce is final.

Money & Divorce is also available in an ebook so that you can get started right away and also includes...

• A glossary of common divorce terms so you can understand the legal jargon
• A list of resources you can use to research topics or get help during your divorce
• A sample copy of a Financial Affidavit so you can practice before you prepare one for the courts
• Worksheets, exercises, checklists, and more!

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57 Most Frequently Asked Questions About Divorce

Answers to 57 of the most commonly asked questions about divorce, including an overview of the divorce process; how to choose an attorney; how to determine if you're eligible for your ex-spouse's Social Security benefits; dividing property; and, things you can do now to be better prepared for a future divorce.

Patricia Stallworth’s  57 Most Frequently Ask Questions About Divorce is a “must have” for everyone contemplating or in the middle of a divorce. It answers important questions, provides excellent resources, and plants seeds of empowerment. It’s also a valuable tool for professionals who work with clients who are struggling through difficult separations and divorces. I frequently recommend it to my own friends and business associates.

Peggy Titus-Hall, CPCC, ACC

President

PeopleGrowth, LLC

www.peoplegrowthllc.com

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About the Author

Patricia Stallworth, CFP® doesn't just write about divorce, she has studied this subject in detail, worked with divorcing clients, attorneys, divorce support groups, taught her methods to other financial planners, and she has gone through the divorce process herself. She understands the traps and pitfalls that divorcing people face especially when it comes money issues and she has compiled a wealth of information in Money & Divorce.

Patricia has over 14 years experience in personal financial services. She is the president of PS Worth, LLC, a financial education company, a Certified Financial Planner™, a Certified Divorce Financial Analyst (CDFA), and she is the author of several personal money management books, including Minding Your Money. Prior to establishing PS Worth, Patricia worked in a management or advisory capacity for several firms including American Express Financial Advisors (now Ameriprise), AXA Financial Advisors, and Deloitte & Touche.

"If you don't mind your money someone else will, and this is especially true when

it comes to divorce." -- Patricia Stallworth, CFP

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