--- title: Our Blog - AMF Divorce | Amy Mahlen (3) description: From mortgage professionals to therapists to attorneys, the team at A.M. Financial works closely with these types of professionals. (3) --- ## A.M. Financial - [Services](https://amf-divorce.com/divorce-transition-services) - [Service Plan](https://amf-divorce.com/service-plan) - [Frequently Asked Questions](https://amf-divorce.com/frequently-asked-questions) - [Our Blog](https://amf-divorce.com/our-blog) - [About Amy](https://amf-divorce.com/about-amy) - [Contact Us](https://amf-divorce.com/contact-us) - [Services](https://amf-divorce.com/divorce-transition-services) - [Services](https://amf-divorce.com/divorce-transition-services) - [Service Plan](https://amf-divorce.com/service-plan) - [Frequently Asked Questions](https://amf-divorce.com/frequently-asked-questions) - [Our Blog](https://amf-divorce.com/our-blog) - [About Amy](https://amf-divorce.com/about-amy) - [Contact Us](https://amf-divorce.com/contact-us) [Book a Meeting](https://calendly.com/amymahlenmelander/consultdivorcefinancialplanning) # Amy Mahlen ## [Licensed Legal Professionals: A Cost-Effective Option for Non-Complex Divorces in Colorado](https://amf-divorce.com/our-blog/licensed-legal-professionals-a-cost-effective-option-for-non-complex-divorces-in-colorado) February 05, 2025 As a financial professional who often works with clients navigating the financial complexities of divorce, I’m always looking for ways to help families manage the process more effectively. One... [CONTINUE READING](https://amf-divorce.com/our-blog/licensed-legal-professionals-a-cost-effective-option-for-non-complex-divorces-in-colorado) ## [Empowering Clients and Attorneys in High-Conflict Divorce Cases: The Role of a CDFA](https://amf-divorce.com/our-blog/empowering-clients-and-attorneys-in-high-conflict-divorce-cases-the-role-of-a-cdfa) January 02, 2025 Navigating the financial complexities of divorce can be one of the most challenging aspects of the whole process. This is especially true in high-conflict cases, where disagreements over financial... [CONTINUE READING](https://amf-divorce.com/our-blog/empowering-clients-and-attorneys-in-high-conflict-divorce-cases-the-role-of-a-cdfa) ## [Are You Being Bullied in Your Divorce? Here’s What to Do.](https://amf-divorce.com/our-blog/are-you-being-bullied-in-your-divorce-heres-what-to-do) December 04, 2024 Divorce can often feel like a journey through the unknown, and for many people. It’s a time of heightened tension and emotional strain. This is especially true around the [holidays and post-holidays](https://amf-divorce.com/our-blog/preparing-for-divorce-during-the-holidays-making-smart-financial-decisions)... [CONTINUE READING](https://amf-divorce.com/our-blog/are-you-being-bullied-in-your-divorce-heres-what-to-do) ## [Preparing for Divorce During the Holidays: Making Smart Financial Decisions](https://amf-divorce.com/our-blog/preparing-for-divorce-during-the-holidays-making-smart-financial-decisions) November 04, 2024 Going through a divorce is emotionally taxing on its own, but when the holidays are added to the mix, the challenges intensify. The season that's meant for celebration can quickly become... [CONTINUE READING](https://amf-divorce.com/our-blog/preparing-for-divorce-during-the-holidays-making-smart-financial-decisions) ## [The Importance of Financial Disclosures in Divorce](https://amf-divorce.com/our-blog/the-importance-of-financial-disclosures-in-divorce) October 02, 2024 Divorce is often accompanied by [emotional](https://amf-divorce.com/our-blog/managing-the-money-crazies-in-divorce-navigating-emotional-turbulence) and financial challenges. These dynamics can feel overwhelming, especially if informal agreements were made between you and your spouse. Despite any... [CONTINUE READING](https://amf-divorce.com/our-blog/the-importance-of-financial-disclosures-in-divorce) ## [4 Benefits of Attorneys Partnering with CDFAs](https://amf-divorce.com/our-blog/4-benefits-of-attorneys-partnering-with-cdfas) September 03, 2024 When navigating the complexities of divorce, both attorneys and their clients benefit from the specialized expertise of a [Certified Divorce Financial Analyst (CDFA)](https://amf-divorce.com/our-blog/certified-financial-divorce-analyst-a-m-financial). By collaborating with a CDFA,... [CONTINUE READING](https://amf-divorce.com/our-blog/4-benefits-of-attorneys-partnering-with-cdfas) ## [FAFSA Changes for Divorced Parents: What You Need to Know](https://amf-divorce.com/our-blog/fafsa-changes-for-divorced-parents-what-you-need-to-know) July 08, 2024 If you're a divorced parent or currently going through a divorce, the college application process can be particularly confusing. Applying for colleges, scholarships, and financial aid is complicated... [CONTINUE READING](https://amf-divorce.com/our-blog/fafsa-changes-for-divorced-parents-what-you-need-to-know) ## [Keeping the Marital Home? Interest Rates Aren’t the Only Challenge](https://amf-divorce.com/our-blog/keeping-the-marital-home-interest-rates-arent-the-only-challenge) June 03, 2024 Divorce is a challenging process, and one of the most significant decisions couples face is whether to keep the marital home. While rising interest rates are a major consideration, they are not the... [CONTINUE READING](https://amf-divorce.com/our-blog/keeping-the-marital-home-interest-rates-arent-the-only-challenge) ## [Navigating a High Net Worth Divorce: Financial Insights](https://amf-divorce.com/our-blog/navigating-a-high-net-worth-divorce-financial-insights) May 02, 2024 As a financial professional working with individuals and families for over two decades, and specifically divorce for nearly 9 years, I've encountered numerous complex cases, especially when it comes... [CONTINUE READING](https://amf-divorce.com/our-blog/navigating-a-high-net-worth-divorce-financial-insights) ## [Successful Mediation Negotiation: 4 Things to Prioritize](https://amf-divorce.com/our-blog/successful-mediation-negotiation-4-things-to-prioritize) April 05, 2024 Although you likely hear about the dramatic divorce cases that end up in court, the reality is that only around 5% of divorce cases go to court and settle with a judge. Depending upon the complexity... [CONTINUE READING](https://amf-divorce.com/our-blog/successful-mediation-negotiation-4-things-to-prioritize) - - [1](https://amf-divorce.com/our-blog/author/amy-mahlen) - [2](https://amf-divorce.com/our-blog/author/amy-mahlen/page/2) - [3](https://amf-divorce.com/our-blog/author/amy-mahlen/page/3) - [4](https://amf-divorce.com/our-blog/author/amy-mahlen/page/4) - [5](https://amf-divorce.com/our-blog/author/amy-mahlen/page/5) - ##### About Amy With compassion and patience, Amy focuses on her client’s unique priorities to build a financial road map that provides clarity to make informed decisions today regarding the future. ##### Links - [Home](https://amf-divorce.com) - [Services](https://amf-divorce.com/divorce-transition-services) - [Our Blog](https://amf-divorce.com/our-blog) - [About Amy](https://amf-divorce.com/about-amy) - [Contact Us](https://amf-divorce.com/contact-us) - [Schedule a Meeting](https://calendly.com/amymahlenmelander) ©2026 Copyright. All rights reserved. A.M. Financial provides supporting financial information, evaluation and analysis to be utilized by the client and the client’s selected attorney if directed, during the process of their divorce. ervices provided in regards to this agreement are solely fee-only and do not involve investment or security advice or insurance transactions. All information is financial in nature and should not be construed or relied upon as legal or tax advice. A.M. Financial IS NOT AN ATTORNEY AND DOES NOT PROVIDE LEGAL OR TAX ADVICE. Individuals are encouraged to seek competent legal and tax advice from professionals who specialize in divorce and tax laws in their respective state. Amy Melander (CRD #4692263) is an Investment Adviser Representative of OneDigital Investment Advisors, LLC (ODIA). ODIA and A.M. Financial are independent and unaffiliated entities. ODIA does not offer or provide divorce financial planning services and any statements and/or opinions expressed by A.M. Financial do not represent the views and/or opinions of ODIA.   This website is a publication of A.M. Financial. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. Content should not be viewed as personalized investment advice or as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities mentioned herein. A professional adviser should be consulted before implementing any of the strategies presented. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "articleBody" : "As a financial professional who often works with clients navigating the financial complexities of divorce, I’m always looking for ways to help families manage the process more effectively. One significant development in Colorado is the introduction of “Licensed Legal Paraprofessionals” (LLPs), a new profession designed to make divorce and other legal matters more accessible and affordable for families with less complex cases. First introduced as a new legal occupation designation in 2024, working with an LLP could significantly help couples looking to reduce legal fees while still receiving essential support during their divorce. In this post, we answer your top questions about LLPs and help you decide if they might be a good fit for your situation. What Are Licensed Legal Professionals? Licensed Legal Professionals (LLPs), also known as Licensed Legal Paraprofessionals, are non-attorney legal professionals trained and authorized to handle specific legal tasks for individuals navigating family law matters. They fill a critical gap in the legal system by providing more affordable legal assistance while maintaining a high standard of professionalism. To ensure LLPs are qualified to assist clients, Colorado has implemented rigorous standards, including: Education: Specialized training focused on family law and coursework to gain practical experience. Experience: Over 1500 hours of experience working as a paralegal, including 500 hours in the area of family law. Testing: A professional exam that demonstrates knowledge of Colorado law. Ethics and Oversight: Adherence to strict ethical guidelines and ongoing oversight by the state government. What Can LLPs Do? LLPs are authorized to perform many of the same tasks that attorneys handle in family law cases. This includes: Preparing and filing legal documents (e.g., divorce petitions, parenting plans). Providing legal advice within their authorized scope. Assisting with negotiations and mediations. Helping clients understand their rights and obligations. Support cases that involve child custody and visitation, child support, paternity, and the modification or enforcement of orders. What are the limitations of LLPs? While LLPs can provide significant support, there are limitations to their scope of practice. For example, they cannot: Represent clients in court, although they can sit with their clients in the courtroom and advise them. Handle highly complex cases, such as those involving significant assets, contested custody disputes, or allegations of abuse. Provide legal services outside their specific area of authorization. If your divorce involves high-conflict issues, complex financial arrangements, or requires litigation, you’ll still need the expertise of an experienced attorney. Who might benefit from working with an LLP? LLPs are an excellent fit for couples who have: Are pursuing an amicable or uncontested divorce. Have relatively straightforward finances. Agree on custody arrangements, child support, parenting plans, and spousal maintenance. Agree on key issues like property division or have very little property to divide. Want to minimize legal costs while receiving professional guidance. By working with an LLP, parties can resolve their divorce more efficiently and allocate saved resources toward their new financial futures. How do LLPs help a divorcing couple’s finances? Divorce is not just an emotional journey; it’s also a financial one. As a financial professional, I’ve seen how high legal fees can deplete resources that could otherwise go toward retirement, education, or rebuilding post-divorce. By making legal support more accessible, LLPs can help families navigate the process and minimize unnecessary financial strain. However, it’s important to remember that cost savings shouldn’t come at the expense of proper legal or financial planning. Even if you work with an LLP, consider consulting with a Certified Divorce Financial Analyst (CDFA) to ensure that your financial decisions are informed and aligned with your long-term goals. Introducing Licensed Legal Paraprofessionals in Colorado represents a step toward a more equitable legal system for all income classes. If you’re considering divorce and think an LLP might be beneficial in guiding your situation, visit the State of Colorado website to learn more about how LLPs might address your legal needs. Divorce is never easy, but with the right support, both legal and financial, you can navigate the process with confidence and clarity. As a financial professional, I can assist in planning, preparing for mediation/negotiations, or reviewing agreements alongside an LLP. If you’re preparing for divorce and need help understanding the financial implications, reach out today. I’m here to help you build a solid financial future so you can thrive in the next phase of your life.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "05/02/2025", "datePublished" : "05/02/2025", "headline" : "Licensed Legal Professionals: A Cost-Effective Option for Non-Complex Divorces in Colorado", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-0S8mGj.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/licensed-legal-professionals-a-cost-effective-option-for-non-complex-divorces-in-colorado", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "articleBody" : "Navigating the financial complexities of divorce can be one of the most challenging aspects of the whole process. This is especially true in high-conflict cases, where disagreements over financial matters can escalate to court proceedings. As a Certified Divorce Financial Analyst (CDFA), my role is not only to provide support to clients during the divorce process but also to equip attorneys with expert analysis and testimony that strengthens their case. In this blog, we’ll discuss how expert financial services can support clients and attorneys, particularly in high-conflict situations. Providing Expert Analysis and Testimony In cases where litigation is inevitable, attorneys need sound financial evidence to present to judges. This is where expert reports and testimony come into play. Some of the following are examples of assistance : Evaluating post-decree scenarios for spousal support termination: Assessing the financial implications of terminating spousal support at the payor's retirement, considering factors like Social Security timing, future financial stability of each party, among other factors. Assess post decree evaluations surrounding gains and losses attributable to asset division. Evaluating post decree financial review to determine the likelihood of undisclosed assets during initial divorce proceedings. Valuing separate property and pension benefits: Establishing fair valuations to avoid ambiguous asset division. Analyzing annuity structures and benefits: Determining how annuities division limitations and impact to overall financial impact to each party post divorce. Expert insights can add to a compelling attorney narrative and help legal teams better advocate for their clients. Many judges and magistrates will require analysis from a financial expert in order to substantiate financial claims. Being a Partner in High-Conflict Cases Attorneys are increasingly encountering high-conflict divorces where financial disputes take center stage. Partnering with a CDFA ensures that attorneys have the financial expertise needed to navigate these challenges. Whether it’s delivering an expert report, providing testimony, or working directly with clients to evaluate their financial options before heading to an expensive court trial, my goal is to provide transparency and help clients feel more confidence during the divorce process. In high-conflict divorce cases, every financial detail matters. Attorneys and clients benefit greatly from having a CDFA on their team, a professional who can deliver comprehensive financial analyses and testify as an expert when necessary. In addition, clients gain peace of mind knowing that their financial future is in capable hands. If you’re an attorney handling high-conflict cases, let’s discuss how I can support your team and your clients through expert analysis and testimony. Together, we can ensure that every financial detail is accounted for, paving the way for a more equitable resolution.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "02/01/2025", "datePublished" : "02/01/2025", "headline" : "Empowering Clients and Attorneys in High-Conflict Divorce Cases: The Role of a CDFA", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-jPmFyp-2048x1365.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/empowering-clients-and-attorneys-in-high-conflict-divorce-cases-the-role-of-a-cdfa", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "articleBody" : "Divorce can often feel like a journey through the unknown, and for many people. It’s a time of heightened tension and emotional strain. This is especially true around the holidays and post-holidays when stress levels are high, and emotions run deep. During this “divorce season” these pressures can sometimes manifest as bullying behavior from an ex-spouse, making an already difficult process and time of year even more challenging. As a financial professional, I’ve seen how bullying during divorce can leave long-lasting emotional and financial scars. Recognizing these behaviors early and knowing how to respond can make a significant difference in both your emotional and financial future. What Does Divorce Bullying Look Like? Divorce bullying can involve manipulative, controlling, or coercive behavior designed to intimidate or pressure you into unfavorable decisions. Some common examples include: Refusing to disclose financial information: Your ex may hide assets or refuse to be transparent, making it difficult to negotiate fairly. Pressuring you to agree prematurely: Your ex-spouse may push for quick settlements that aren't in your best interest. Threatening custody battles: Your former spouse might attempt to use your children as leverage to manipulate you. Threatening financial retaliation: He or she may claim they won’t pay child support or maintenance. General intimidation: They may try and make you feel guilty or irrational for seeking a fair outcome. This might look like discouraging you from hiring legal representation or getting financial assistance. These tactics can rattle your confidence and conflict with your efforts to negotiate toward a fair divorce decree. How Does Divorce Bullying Affect You? Emotionally, bullying triggers stress, anxiety, and self-doubt, making it hard to focus on what’s important. From a financial perspective, bullying can make you feel pressure to settle quickly or make uninformed decisions can lead to long-term financial harm. Prolonged bullying can also derail the divorce timeline, resulting in repeated delays and frustration. This can lead to a more expensive and emotionally draining divorce process. Lastly, bullying can reduce your self-confidence at a time when you need strength to reimagine your life. Bullying can undermine your sense of independence and make you question your vision for the future. Ways to Protect Yourself from Bullying in Divorce There are many ways to protect yourself from bullying and they require a strong support system. These include: Staying firm in your decisions and timelines: Avoid being swayed by pressure or threats. Demanding transparency and fair treatment: Understand laws regarding financial disclosure and child custody so you can advocate for yourself confidently. Letting your professionals handle communications: Reduce emotional reactions by having your attorney to communicate on your behalf. Using court-supported tools: Platforms like *Talking Parents* create admissible records of conversations, reducing coercive communication. Standing your ground: Believe that you deserve fair treatment and don’t let intimidation dictate your choices. Building a professional support system: Engage a team of legal, financial, and divorce experts to protect your interests. Leaning on your personal support network: Family, friends, coaches, and therapists can provide the emotional resilience you need. Steps to Take If You’re Being Bullied in Your Divorce If you are experiencing some of the behaviors discussed in this post, there are things you can do to protect yourself in the case that the bullying continues to escalate. First, document everything and keep detailed records of threats, conversations, and other incidents. Leaning on your divorce team, like coaches, financial planners, and attorneys can reinforce your boundaries and strengthen your case. Lastly, avoid rushing decisions and don’t give into pressure. Triple-check that all information is on the table before making decisions about your future. Divorce bullying is difficult, but it can be managed and overcome with the right mindset and support system. Lean on your professional and personal team for guidance, protection, and encouragement, especially during the holidays. Our team is here to help you navigate this challenging time with financial clarity and confidence. Contact us to learn more about how we can support you during this time.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "04/12/2024", "datePublished" : "04/12/2024", "headline" : "Are You Being Bullied in Your Divorce? Here’s What to Do.", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-uCY19b.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/are-you-being-bullied-in-your-divorce-heres-what-to-do", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "articleBody" : "Going through a divorce is emotionally taxing on its own, but when the holidays are added to the mix, the challenges intensify. The season that's meant for celebration can quickly become overwhelming, leaving you juggling family commitments, legal preparation, and financial stress. However, with careful planning and smart financial decisions, you can set yourself up for greater stability and start the new year on the right foot. In this post, we’ll explore practical tips to help you prepare financially for divorce, all while managing holiday obligations. Assess Your Current Financial Situation One of the first steps to preparing for divorce is understanding where you stand financially. Take stock of your assets, debts, bank balances, credit card accounts, and loans. Knowing your financial baseline will help you understand the financial decisions you need to make in both the short and long term. Divorce is a complex process; start thinking about the professionals you’ll need to guide you. A Certified Divorce Financial Analyst (CDFA) can help you create a solid financial strategy that aligns with your goals during and after divorce. They can assist in managing everything from asset division to long-term financial planning, helping you prepare for a secure financial future. Create a Holiday Budget Divorce often requires a reassessment of your financial priorities, and the holiday season is no exception. With legal fees and upcoming changes to your household income, it’s important to adjust your expectations and create a holiday budget that reflects your current circumstances. Consider aligning with your spouse on holiday spending, if possible. This can minimize conflict and ensure you don’t overspend due to emotional triggers. Focus on prioritizing essential expenses—gifts for children and basic holiday meals—while cutting back on non-essential spending such as lavish parties or unnecessary travel. To help you stay on track, use a budgeting app to monitor your purchases and ensure you stick to the plan. Be mindful of emotional spending during this time. It’s easy to justify splurging on gifts or activities to make up for the emotional strain your children (or you) might be feeling. However, this can lead to further financial stress. Stay disciplined and look for low-cost or free alternatives to create meaningful holiday experiences, like spending quality time together or organizing simple, family-friendly activities. Protect Your Credit Credit will impact your financial independence after the divorce, especially if you’re planning to buy a new home or car. During the holidays, keep a close watch on your bank and joint accounts, particularly as seasonal spending increases. Joint credit cards and lines of credit can be problematic during a divorce, as both parties are responsible for any debts incurred. If possible, consider closing or freezing joint accounts to avoid future liabilities. This step can help you gain greater control over your finances and prevent unexpected charges. Freezing accounts if preferred because, in some cases, closing accounts can hurt your credit score. Regularly monitor your credit score during this time. Make sure there are no surprise purchases that could negatively impact your credit standing, especially when emotions are running high. Protecting your credit now will make a significant difference when you begin your post-divorce financial life. Consider the Tax Implications of Your Divorce Timeline Taxes may not be the first thing on your mind during the holidays, but they play a vital role in your divorce planning. The timing of your divorce can have a major impact on your tax obligations. You might be wondering whether you file jointly for the current year, or separately, and how alimony or child support will affect your taxes. It’s a good idea to consult with both financial and tax professionals before the year ends. They can help you assess your tax situation and guide you on the best course of action. Early planning will allow you to avoid any unpleasant surprises when tax season arrives, making the transition to your post-divorce life smoother. Plan for Your Financial Future The holidays are a time for reflection and new beginnings, and this can also apply to your financial future. Start thinking about your short- and long-term financial goals. Rebuilding savings, reassessing retirement plans, and setting new budget priorities are key steps to ensure a financially secure life post-divorce. Now is also the time to establish independent credit, if you haven’t already. Understanding your current credit score and finding ways to build or improve it will make your transition smoother. Looking ahead, consider how you’ll manage holiday expenses in future years. Start putting money into a fund throughout the year to cover seasonal costs, allowing you to celebrate without overspending. Reimagine holiday traditions to reflect your new financial reality, setting expectations that align with your post-divorce life. The holidays will look different when you’re preparing for a divorce, and it’s important to acknowledge the unique challenges you’re facing. By taking control of your financial situation and making smart decisions now, you’ll reduce some of the stress that comes with this major life transition. Proactive financial planning will allow you to enter the new year, and your new life, with greater clarity and confidence. Take the time to assess, adjust, and plan so that you can focus on what really matters during the holiday season—your well-being and the well-being of your loved ones. Contact us with your financial questions during this time of transition.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "04/11/2024", "datePublished" : "04/11/2024", "headline" : "Preparing for Divorce During the Holidays: Making Smart Financial Decisions", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-dRzF37-300x200.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/preparing-for-divorce-during-the-holidays-making-smart-financial-decisions", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "articleBody" : "Divorce is often accompanied by emotional and financial challenges. These dynamics can feel overwhelming, especially if informal agreements were made between you and your spouse. Despite any pre-existing arrangements, financial disclosures during divorce are critical because they ensure transparency and protect both parties from future legal complications. In this post, we’ll explore why financial disclosures are required, how they safeguard both parties, and how they can prevent costly conflict down the line. Understanding Financial Disclosures In the divorce process, both you and your spouse are required to provide a comprehensive list of your financial information. This includes: Income: Salary, bonuses, and other sources of income. Expenses: Current living expenses, taxes, payroll deductions. Assets: Real estate, personal property, savings, retirement accounts, trusts, and business interests. Debt: Any existing liabilities such as mortgages, credit card debts, or loans. These disclosures provide a full financial picture and become the foundation for a fair division of assets as well as supporting information to base decisions upon. They are required for transparency and without them, one party may hide assets or income, which could lead to unequal settlement. Disclosures also serve to prevent future legal disputes, helping both you and your spouse understand the financial implications of your decisions. It’s somewhat common for couples to make informal financial arrangements during their marriage or separation, such as, I won’t touch your trust fund, or “You can keep the family business.” While these agreements might reduce conflict and complications at the time, they can create issues as the divorce moves forward. Informal agreements don’t always align with legal obligations, and in some cases, may even conflict with laws governing the division of marital assets. Financial disclosures make it easier for you and your spouse to consider all relevant information, and prevent either party from being disadvantaged due to an incomplete understanding of financial circumstances. Creating Financial Transparency By making financial disclosures, each party can be fully aware of the assets and liabilities at stake during divorce negotiations. This financial transparency reduces the likelihood of disputes after the divorce is finalized. When both spouses fully understand the financial landscape, there’s less chance that one will attempt to reopen the case due to an oversight. If disclosures are messy, individuals can discuss with an attorney if there are grounds to revise their decisions based on new information. This could result in additional costs, time, and stress for everyone involved. For example, one spouse may initially agree to forgo interest in a family trust but change their mind. Similarly, after consulting a financial expert, one spouse may realize they were unaware of certain property rights and the impact is has on either party’s situation moving forward. Considering Valuations Attorneys and financial professionals play a critical role in divorce proceedings, often recommending independent valuations of significant assets like businesses or trusts. These valuations support an accurate division of assets based on their current worth. Valuations can also clarify the financial implications of informal agreements. For instance, if one spouse initially agrees not to claim any interest in a business, a proper valuation may reveal that the business is more valuable than they realized, leading to a reconsideration by the party who previously had no interest. When extended family members are involved, financial disclosures can sometimes cause tension. For example, a spouse may initially express no interest in a family trust, only to change their mind after a better understanding of the situation. This can create friction, particularly if family members, such as in-laws, are reluctant to provide financial details or cooperate with the valuation process. In the long run, families often benefit from transparency, as it prevents disputes and protects both sides from future legal complications. In rare cases, there may be reasons not to disclose certain information immediately. For instance, if a spouse expects a large bonus or promotion, they may wish to follow their attorney’s advice on whether or when to disclose that information. Family business agreements should also be carefully reviewed with an attorney to determine what must be disclosed and what can be kept confidential. Financial disclosures are an essential part of the divorce process. They support transparency, can protect both parties from future disputes, and contribute to fair financial agreements. While informal agreements can complicate matters, formal disclosures and the guidance of financial and legal professionals help both parties avoid costly mistakes. Financial professionals can help with valuations and financial disclosures during divorce proceedings. They work alongside your attorney to ensure you are fully informed, educated, and protected throughout the process. Reach out to A.M. Financial or other Certified Divorce Financial Analysts to ensure you are making the best financial decisions during your divorce.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "02/10/2024", "datePublished" : "02/10/2024", "headline" : "The Importance of Financial Disclosures in Divorce", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-DvnTO4.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/the-importance-of-financial-disclosures-in-divorce", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "articleBody" : "When navigating the complexities of divorce, both attorneys and their clients benefit from the specialized expertise of a Certified Divorce Financial Analyst (CDFA). By collaborating with a CDFA, attorneys can enhance the quality of service they provide, leading to more confidence and clarity for clients and ultimately a healthier path moving forward. This post was inspired by my recent participation in a panel at the Colorado Family Law Institute event where I spoke alongside Andra Davidson and Diane Wozniak. The discussion focused on strategies to creatively utilize neutrals, such as coaches and CDFAs, to improve attorneys’ clients experience by increasing efficiencies, reducing conflicting, and keeping families out of court. In this post, we’ll discuss several key advantages of working with neutrals in the divorce process. 1. Flexibility One of the most significant advantages of working with a CDFA is the flexibility they bring to the table. Unlike traditional collaborative law settings that require structured and formalized processes, a CDFA can adapt to the needs of both the attorney and the client. Whether serving as an advocate for one party or as a neutral expert for both in a more collaborative dynamic, a CDFA offers tailored financial insights that align with the specific needs of the case. This flexibility helps the parties receive the support they need, in the format that best aligns with their situation. 2. Time Savings Preparing for divorce proceedings often takes longer than expected, and a CDFA can streamline various aspects of the process. A CDFA can be brought in at any stage to consult on financial matters, understand clients’ needs, and offer strategies tailored to those needs. Their ability to efficiently gather and analyze financial data can significantly reduce the time attorneys spend on financial discovery, allowing for faster resolution and reduced legal fees. Both client and attorney’s typically are provided with sworn financial statements and marital balance sheets to get acquainted with the data before initiating in formal negotiations. 3. Enhanced Client Support Divorce is not just a legal process—it's an emotional and financial one as well. A CDFA can provide support that complements an attorney's legal expertise, helping clients feel more confident and prepared as they navigate pending financial agreements and their real-world implementation. By preparing clients for mediation, offering financial guidance, and exploring financial strategies, CDFAs help clients feel financially equipped to handle their divorce. A CDFA can also build client confidence in the financial issues important to them, and empower clients to put foundational plans in place to help them reach long-term financial goals. This holistic approach often leads to more successful outcomes and greater client satisfaction. Specifically, CDFAs can help with: cash flow analysis valuing separate property/assets asset distribution strategies pension valuation/offsets retirement analysis executive compensation tax analysis & management support structures tax adjustments division analysis housing considerations/planning 4. Preparation Preparation is key to a successful divorce settlement, and a CDFA plays a critical role in navigating the divorce process. By assisting with drafts of sworn financial statements and creating marital balance sheets, CDFAs provide attorneys with the financial clarity they need to make decisions with confidence. They also identify potential issues early on, allowing for proactive resolution and reducing the likelihood of stressful surprises during negotiations. Post-decree issues are less likely to surface when clients receive comprehensive service during their divorce. The sooner a CDFA is involved, the sooner both the client and the attorney have access to the financial information necessary to drive the case forward. Including a trusted CDFA in the divorce process offers attorneys a valuable partner in navigating the financial complexities of their cases. From providing flexible collaboration options to enhancing client support and accelerating preparation, CDFAs contribute to more efficient and effective divorce proceedings. Attorneys who work with CDFAs are better equipped to serve their clients' needs, ultimately leading to more favorable outcomes for all involved. Learn more about our services and how we work with attorneys to improve client outcomes.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "03/09/2024", "datePublished" : "03/09/2024", "headline" : "4 Benefits of Attorneys Partnering with CDFAs", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported%20sitepage%20images/Profile-Pic.jpg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/4-benefits-of-attorneys-partnering-with-cdfas", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "articleBody" : "If you're a divorced parent or currently going through a divorce, the college application process can be particularly confusing. Applying for colleges, scholarships, and financial aid is complicated enough, and the recent changes to the Free Application for Federal Student Aid (FAFSA) have added new challenges. In this post, we’ll break down the latest updates and provide clarity on how these changes may affect your financial planning for your child's education. What is the FAFSA? The Free Application for Federal Student Aid (FAFSA) is a form that students and parents across the United States fill out to determine their eligibility for student financial aid. This aid includes federal grants, work-study, tuition-free college, and loans. It's a crucial step in securing financial support for college. What’s Recently Changed About the FAFSA? Starting with the 2024-25 award year, significant changes have been made to how divorced or separated parents report their information on the FAFSA. Previously, the parent with the most overnights was responsible for completing the FAFSA. However, this is no longer the case. Here's what you need to know: Step 1: Determining the Parent of Record The primary criterion for determining which parent completes the FAFSA has shifted from living arrangements to financial support. The parent who provides the most financial support over the 12 months prior to filing the FAFSA is now the parent of record, regardless of where the student lives. Specifically, the “parent of record” is the individual who provided more than 50% of the student's financial support in the past year, even if the student does not live with that parent. If neither parent provided support in the 12 months prior to filing the FAFSA, the “parent of record” is the parent who provided greater support during the most recent year that the student received financial support from a parent. The official “parent of record” is self-reported on the FAFSA. Schools typically will not verify this unless there is conflicting information. Child Support Considerations Child support payments play a crucial role in determining the “parent of record”. For example, if the mother pays child support to the father, this amount is considered part of the mother’s financial support for the student. If this, combined with other support, exceeds 50% of the total support for the student, the mother becomes the “parent of record” on the FAFSA. Step 2: Provide Financial Information to FAFSA The parent of record will provide their information on the FAFSA forms. If both parents provide equal amount of support, the parent with the higher income and assets will report their financial information. Remarried Parents If the parent of record has remarried, the new spouse's income and assets must be included in the FAFSA calculations for the “parent of record” during Step 2. This can be significant because it can have a profound effect on the financial picture and ultimately the amount of aid the student is eligible to receive. During Step 1, only the biological parents' financial contributions to the child are considered when determining the “parent of record” and the new spouse’s income is only relevant after that determination has been made. The “parent of record” is determined by looking only at each individual biological parent’s financial support without regard to any stepparent's income or support. After that determination is made, if the “parent of record” is remarried, the spouse’s/stepparent’s income and assets are included on the FAFSA. In a scenario where both of the biological parents have remarried, the new spouse’s/stepparent’s support is not included when determining the “parent of record”, but the new spouse of the “parent of record” is included on the FAFSA. How Does This Impact You as a Divorced Parent? Potential Reduction in Financial Aid Most likely the higher earner is now required to fill out the FAFSA, and therefore there’s a possibility that your child may qualify for less financial aid. This change is particularly impactful if the higher-earning parent is not the one the child lives with primarily, or has fewer overnights. Cooperation Between Parents The need for the higher-earning parent to complete the FAFSA can introduce challenges, especially if the relationship between the divorced parents is strained. Ensuring that this parent cooperates and provides the necessary financial information on time is crucial for the financial aid process. Individuals and family law attorneys may want to include provisions in divorce agreements stating that the parties agree to work together and provide required financial information needed for their child’s college financial aid process. Strategic Financial Planning Given these changes, strategic financial planning becomes even more important. Here are some steps you can take: Early Communication: Start discussions with your ex-spouse well before the FAFSA filing deadline to ensure all required information is gathered. Fill out the application as early as possible. Consult a Financial Planner: A professional can help you understand how these changes impact your specific situation and offer strategies to maximize your child’s financial aid and tuition free college eligibility. Review Financial Contributions: Keep detailed records of financial contributions to help with accurate reporting on the FAFSA. Navigating the FAFSA as a divorced parent has always had its complexities, but understanding the recent changes can help you better prepare and plan for your child's education expenses. The shift to considering financial support over living arrangements means that both parents need to communicate and cooperate more effectively. By staying informed and proactive, you can help ensure that your child receives the financial support they need for their college journey. For more detailed guidance and personalized advice, don’t hesitate to reach out to a financial planner who can assist you in navigating these changes. More information about Colorado’s tuition-free College Options can be found here.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "08/07/2024", "datePublished" : "08/07/2024", "headline" : "FAFSA Changes for Divorced Parents: What You Need to Know", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-oBtQaY-2048x1365-1.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/fafsa-changes-for-divorced-parents-what-you-need-to-know", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "articleBody" : "Divorce is a challenging process, and one of the most significant decisions couples face is whether to keep the marital home. While rising interest rates are a major consideration, they are not the only financial hurdle. Here are some critical points to consider if you’re contemplating keeping the marital home in the wake of a divorce. Skyrocketing Real Estate Assessments In recent years, real estate assessments in Colorado (and nationwide) have surged, leading to increased property values and therefore property taxes. If you plan to keep the marital home, be prepared for higher mortgage payments due to these increased assessments. This can significantly impact your monthly budget. Rising Homeowner’s insurance costs Homeowners insurance premiums have also seen a significant rise, keeping pace with higher home values and increased labor and construction costs for repairs. Evaluate whether your budget can accommodate these rising costs, as they are necessary for protecting your investment. After-Tax Mortgage Costs When weighing the decision on whether to keep or sell the marital home or not, work with a financial professional to understand the after-tax cost of your mortgage. Consider the capital gains taxes associated with selling the home, which could affect your long-term financial planning. While you’d be left with higher interest rates if you have to refinance the marital home into your own name, those might be partially offset by tax deductions on mortgage interest. A tax advisor can help you understand these tradeoffs fully. The Need for Bigger Budgets Given higher interest rates, taxes, insurance, and the financial strain of divorce, you must have a substantial margin in your budget to consider keeping your marital home. Affordability on a single income is a key factor in this decision, as your payments might not be sustainable alone in this environment of higher property values. Therefore, future budget planning is essential. Understanding your goals and priorities now will help you advocate for divorce agreements that meet your future needs. Planning allows you to make informed decisions and avoid potential financial pitfalls. Evaluate whether maintaining the house aligns with your financial and retirement goals. Sometimes, selling the home and opting for more liquid assets that appreciate faster might be a better financial strategy. It’s also important to budget for future increases in taxes and insurance. Leave enough money in your savings account to cover home maintenance and unexpected repairs. These factors can prevent financial strain down the line. If you do want to stay in the marital home and you are over the age of 62, consider a Home Equity Conversion Mortgage (formally known as reverse mortgage). This could help keep you in your home or can even help you purchase a new home, either with no mortgage (principal & interest) payments. Lastly, while financial factors are paramount, it’s also important to consider the emotional and practical benefits of staying in the marital home. Moving can be stressful and disruptive, especially for children. Remaining in the same school district and community can provide much-needed stability during a tumultuous time, helping everyone adjust better to the changes brought by divorce. Deciding whether to keep the marital home involves weighing multiple financial, practical, and emotional factors. It’s a complex decision that requires careful consideration and planning. Consulting with a financial planner can help you navigate these challenges and make the best decision for your future.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "03/06/2024", "datePublished" : "03/06/2024", "headline" : "Keeping the Marital Home? Interest Rates Aren’t the Only Challenge", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-3eyRS4-1536x1024.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/keeping-the-marital-home-interest-rates-arent-the-only-challenge", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "articleBody" : "As a financial professional working with individuals and families for over two decades, and specifically divorce for nearly 9 years, I've encountered numerous complex cases, especially when it comes to splitting assets and income streams in a high net worth divorce. Unlike typical divorces, where the division of assets may involve a house, a car, and some savings, these divorces often include a portfolio of financial holdings, from real estate to various investment vehicles, and complex compensation structures. In this blog post, I provide insights on the unique challenges and considerations involved in navigating the financial landscape of high net worth divorces. Complex Assets and Income Structures One of the defining characteristics of a high net worth divorce is the complexity of assets and income. From multiple real estate properties to various investment portfolios, including both traditional assets and emerging investments like cryptocurrency, each investment comes with its own tax implications, liquidity considerations, and risk profiles. Additionally, executives or business owners may have compensation packages comprising of stock options, restricted stock units, and deferred compensation, adding layers of intricacy to determining current and future income streams and property considerations. Specifically, complexity often arises in the following ways: Determining separate versus marital property: This may require historical reporting, review of trusts, or analyses of prenups. Valuing assets: You may need to hire additional professionals such as appraisers and tax specialists, and conduct valuations. A discovery process, or search for hidden assets, may require a forensic accountant. Business Valuations and Retirement Accounts In high net worth divorces, businesses owned by you or both you and your spouse often require thorough valuations, which can be both costly and time-consuming. You may have invested capital in other businesses as well, through venture capital or other investment structures. Similarly, retirement accounts, possibly spanning several types and structures, require professional assessment for equitable division. Inheritances, Trusts, and Income Streams Determining the marital or separate nature of inheritances or assets held in trusts adds another dimension to the asset division process and always requires oversight from an experienced family law attorney. In some cases, high net worth individuals may have multiple income streams that are taxed differently. These dynamics are best assessed by a team of professionals, including tax and financial experts, in an effort to provide you with a comprehensive understanding of each source and its implications for post-divorce financial stability. Time and Conflict Unlike conventional divorces, which typically conclude within six months, high net worth divorces often extend over one to two years or longer due to the complexity of financial arrangements. Gathering documentation, conducting due diligence, and valuing assets require meticulous attention to detail and may involve engaging additional professionals such as appraisers and forensic accountants. Addressing any unmet financial needs during this extended process can also be stressful and become timely and expensive. This will likely take an emotional toll on you, your family, and could negatively impact your career and/or social life. Spousal Support and Retirement Planning Spousal support in high net worth divorces falls outside of spousal support calculation norms, encompassing various income sources beyond wages, such as rental income and investment dividends. Therefore, property division can feed into the support considerations. Furthermore, if you are in your 50s or older, retirement planning takes precedence, resulting in a thorough evaluation of future income sources and asset allocation, which can result in financial security in later years. The Importance of a Divorce Team Given the multifaceted nature of high net worth divorces, assembling the right divorce team is important. In addition to experienced legal counsel, enlisting the expertise of financial planners, tax specialists, and divorce coaches can help streamline the process and minimize conflict. Effective communication and collaboration among team members helps navigate the complexities inherent in high net worth divorces. High net worth divorces present financial challenges that require careful navigation and expert guidance. By understanding the complexities of asset division, income assessment, and long-term financial planning, you can work towards equitable resolutions while safeguarding your financial future. With the right support system in place, your high net worth divorce process can accelerate a smooth transition to the next chapter of life. We assist in resolving the financial aspects of high net worth divorces. Contact me, Amy Melander, CFP®, CDFA®, for a free consultation to learn more about our services.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "02/05/2024", "datePublished" : "02/05/2024", "headline" : "Navigating a High Net Worth Divorce: Financial Insights", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-PzTegD-768x512.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/navigating-a-high-net-worth-divorce-financial-insights", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "articleBody" : "Although you likely hear about the dramatic divorce cases that end up in court, the reality is that only around 5% of divorce cases go to court and settle with a judge. Depending upon the complexity of your case, the professionals you choose to work with, and the method of divorce you choose, odds are high that you’ll likely find yourself participating in mediation. Meditation can be a great tool to help facilitate settlement and is often required before a court will hear a case in Colorado. However, because many couples choose to have their legal counsel present, in addition to mediator fees, the cost for the mediation session can quickly add up. This article addresses what you can do to support a productive mediation session, and ways to reach amicable agreements with a well-organized plan. By focusing on key elements, establishing goals, committing to constructive discussions, and attending with the right mindset, mediation can empower both you and your spouse to design an ideal post-divorce life. Do your homework Thorough preparation is key to ensuring informed decisions in mediation and lays the groundwork for productive dialogue. This includes gathering necessary paperwork, speaking with divorce professionals (such as mortgage lenders and financial planners), and gathering information on everything from employee compensation and benefits, to post-divorce health insurance, and having a solid understanding of where various issues stand from a legal perspective. By spending time in one-on-one consultations with other professionals, you’ll be better equipped with the information you need to both understand and negotiate toward your desired outcomes. Being proactive not only makes your mediation session more efficient, it also empowers you to navigate discussions with confidence and clarity. Prepare emotionally The divorce process can often feel like an emotional rollercoaster. That’s why emotionally preparing for mediation is key to it’s success. This involves recognizing the difference between personal desires and objective interests. The former position is personally rationale and emotional and can be difficult to change. In contrast, interest-based objective negotiating outlines facts, needs, and reasons to consider another position, allowing individuals to approach discussions with a more flexible mindset, oftentimes leading to compromise. In addition, when you refrain from making decisions or judgments on behalf of your former spouse during meditation, you shift away from joint decision-making and typical marital dynamics. Instead, you move toward a post-divorce world in which you see and honor one another’s autonomy. By recognizing these principles, you can navigate mediation with greater emotional resilience and a collaborative spirit, paving the way for mutually satisfactory outcomes. Connecting with a divorce coach can also help support the emotional aspects of this process. Set Goals Setting goals for your session, and even asking your ex-spouse for input on the goals, helps everyone navigate the process with purpose. Outlining priorities and objectives frames the session with direction and focus. Once you accept that you will not get everything you need or want, it’s easier to stay focused on the most important items. During the session, you can also pause and reassess objectives as discussions unfold, adapting to unexpected changes or compromises. Being proactive in this way empowers parties to advocate for their needs and priorities, and promotes a more efficient and productive experience overall. Complete your parenting plan first Once you finally start your mediation sessions, work to complete your parenting plan first. This lays the foundation for the well-being of your children, which is far more important than dividing marital assets. Having your parenting plan confirmed can help you start to visualize your post-divorce life and could make other decisions easier. Not to mention, prioritizing this aspect of your agreement can result in more harmony for all involved, which can be helpful in reaching subsequent agreements. Assuming both parties are negotiating in the best interest of the children, completing the parenting plan first can set a positive tone for the overall mediation process. Successful mediation hinges on a strategic approach that prioritizes key elements to navigate the complexities of divorce with clarity and purpose. Mediation provides an opportunity to reach amicale agreements with the right support and guidance. With thorough preparation, emotional awareness, goal-setting and prioritizing the completion of the parenting plan, parties can reach mutually satisfactory outcomes. By embracing these tools, mediation becomes an opportunity to forge a new post-divorce path forward with confidence and resilience. Contact us to learn how we can support the financial aspects in preparation for mediating your divorce.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "05/04/2024", "datePublished" : "05/04/2024", "headline" : "Successful Mediation Negotiation: 4 Things to Prioritize", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-M9uR5o.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/successful-mediation-negotiation-4-things-to-prioritize", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ```