--- title: Our Blog - AMF Divorce | Amy Mahlen (4) description: From mortgage professionals to therapists to attorneys, the team at A.M. Financial works closely with these types of professionals. (4) --- ## 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 ## [Establishing Goals and Priorities for Your Divorce Before It Starts](https://amf-divorce.com/our-blog/establishing-goals-and-priorities-for-your-divorce-before-it-starts) February 02, 2024 If you’ve made the [decision to get a divorce](https://amf-divorce.com/our-blog/divorce-a-catalyst-for-change), you may wonder where to start the intricate and emotionally-charged process. Beginning with a clear understanding of your goals and priorities can... [CONTINUE READING](https://amf-divorce.com/our-blog/establishing-goals-and-priorities-for-your-divorce-before-it-starts) ## [Communicating Your Divorce: Sharing Your Decision with Others](https://amf-divorce.com/our-blog/communicating-your-divorce-sharing-your-decision-with-others) January 02, 2024 Divorce is an emotionally challenging journey that often begins with one of the most daunting tasks—communicating the decision to friends, family, and colleagues. The way this information is shared... [CONTINUE READING](https://amf-divorce.com/our-blog/communicating-your-divorce-sharing-your-decision-with-others) ## [5 Ways to Reduce Holiday Stress in the Face of Divorce](https://amf-divorce.com/our-blog/5-ways-to-reduce-holiday-stress-in-the-face-of-divorce) December 12, 2023 While often called the “season of joy,” the holidays aren’t always merry for everyone, especially for those going through a [major life change](https://amf-divorce.com/our-blog/divorce-a-catalyst-for-change) like a divorce. Relationship challenges and separation... [CONTINUE READING](https://amf-divorce.com/our-blog/5-ways-to-reduce-holiday-stress-in-the-face-of-divorce) ## [8 Things To Do if You Are Waiting for the New Year to Divorce](https://amf-divorce.com/our-blog/8-things-to-do-if-you-are-waiting-for-the-new-year-to-divorce) December 01, 2023 Starting a new chapter in life, especially when it involves a significant change like divorce, involves both [emotional and logistical considerations](https://amf-divorce.com/our-blog/managing-the-money-crazies-in-divorce-navigating-emotional-turbulence). If you find yourself waiting for the new year to... [CONTINUE READING](https://amf-divorce.com/our-blog/8-things-to-do-if-you-are-waiting-for-the-new-year-to-divorce) ## [Managing the 'Money Crazies' in Divorce: Navigating Emotional Turbulence](https://amf-divorce.com/our-blog/managing-the-money-crazies-in-divorce-navigating-emotional-turbulence) November 10, 2023 Going through a divorce can be emotionally and financially challenging. As you navigate the complexity of ending a marriage, you may notice the emotional rollercoaster that accompanies the process.... [CONTINUE READING](https://amf-divorce.com/our-blog/managing-the-money-crazies-in-divorce-navigating-emotional-turbulence) ## [Embracing the Benefits of Working After Divorce](https://amf-divorce.com/our-blog/embracing-the-benefits-of-working-after-divorce) November 02, 2023 Divorce can be a life-altering experience, especially for women who may find themselves contemplating working after retirement age or after a period of being a [stay-at-home mom](https://amf-divorce.com/our-blog/stay-at-home-moms-learning-to-budget-post-divorce). This [transition](https://amf-divorce.com/our-blog/reentering-the-workforce-mahlen-financial) can... [CONTINUE READING](https://amf-divorce.com/our-blog/embracing-the-benefits-of-working-after-divorce) ## [College Planning Concepts: 3 Things to Be Aware of When Divorcing](https://amf-divorce.com/our-blog/college-planning-concepts-3-things-to-be-aware-of-when-divorcing) October 19, 2023 Divorce is a life-altering event that affects not only your family dynamics but also your financial plans, especially when it comes to your child's education. Navigating the complexities of college... [CONTINUE READING](https://amf-divorce.com/our-blog/college-planning-concepts-3-things-to-be-aware-of-when-divorcing) ## [Refinancing Considerations with Higher Interest Rates in Divorce: The Pros and Cons](https://amf-divorce.com/our-blog/refinancing-considerations-with-higher-interest-rates-in-divorce-the-pros-and-cons) October 09, 2023 Divorce is undoubtedly a challenging process, and when combined with financial decisions like refinancing, it quickly becomes even more complex. Typically, homeowners refinance to secure a lower... [CONTINUE READING](https://amf-divorce.com/our-blog/refinancing-considerations-with-higher-interest-rates-in-divorce-the-pros-and-cons) ## [Cost of Living Considerations in Your Divorce](https://amf-divorce.com/our-blog/cost-of-living-considerations-in-your-divorce) September 18, 2023 Divorce is a life-altering event that can have significant financial implications. One important factor to consider during this process is cost of living and related [economic inflation](https://amf-divorce.com/our-blog/key-ways-inflation-impacts-your-divorce). Understanding... [CONTINUE READING](https://amf-divorce.com/our-blog/cost-of-living-considerations-in-your-divorce) ## [Four Sources to Consider When Restructuring Your Income Post-Divorce](https://amf-divorce.com/our-blog/four-sources-to-consider-when-restructuring-your-income-post-divorce) September 06, 2023 If you are a non-working spouse going through a divorce, it’s important to fully understand your sources of income and determine whether you need to return to work to supplement your maintenance... [CONTINUE READING](https://amf-divorce.com/our-blog/four-sources-to-consider-when-restructuring-your-income-post-divorce) - - [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) - [6](https://amf-divorce.com/our-blog/author/amy-mahlen/page/6) - ##### 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" : "If you’ve made the decision to get a divorce, you may wonder where to start the intricate and emotionally-charged process. Beginning with a clear understanding of your goals and priorities can significantly impact the outcomes and ease the journey ahead. This post provides guidance on how to establish this clarity before your divorce proceedings begin. Get Clear on Priorities Uncertainty can complicate the divorce process. If you're unclear about your priorities, it becomes challenging to articulate your needs and negotiate effectively. Taking time to get specific, realistic, and clear-headed about your priorities is pivotal for successful negotiations. Consider using this worksheet as a framework to document what’s most important to you during this time, including your priorities around: Property Finances Children Completing this before the divorce begins, during a less emotional period, provides a solid foundation for decision-making. If you can also understand your spouse’s top priorities, you may be able to reach agreements faster. Establish Goals Understanding what truly matters to you is key to establishing goals for your division of property, investments, debts, and parenting plans. Focus on critical aspects that align with your long-term well-being rather than attempting to attain everything or focusing too much on your short-term needs. For example, while ensuring that your spouse is paying the mortgage this month might be top of mind for you, work with professionals to consider what you need in the parenting plan long-term to ensure your children continue to have a meaningful relationship with both parents. Take your goals a step further by understanding, to the best of your ability, what each of your goals entails and how you can reach them. For example, if refinancing or purchasing a home is your goal post-divorce, understanding requirements for mortgage lending and building a future budget will be important. By having a few clear goals, you can identify what is non-negotiable and what you're willing to compromise on during legal negotiations.Working with a financial professional can also help you understand what long-term financial wins truly mean and how to balance those with short-term financial needs. Align on Strategy Collaborate with your attorney and other professionals to develop a strategy that aligns with your goals. As mentioned, flexibility is key during negotiations, so craft an approach that emphasizes deeper interests rather than rigid stances. For instance, if you are seeking spousal support until your children reach a certain age, explore alternative ways to bridge any income gap rather than assuming it's solely your ex-spouse's responsibility. Navigating the complexities of divorce becomes more manageable when you establish clear goals and priorities from the outset. This clarity empowers you to make informed decisions, negotiate effectively, and work towards a future aligned with your long-term vision. By approaching your divorce with clarity and purpose, you pave the way for a more stable and empowered future.To support the process, use our worksheet as a starting point for setting and prioritizing your interests during divorce. For more personalized guidance, reach out to us for a free consultation.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "02/02/2024", "datePublished" : "02/02/2024", "headline" : "Establishing Goals and Priorities for Your Divorce Before It Starts", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-Ue7fIJ.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/establishing-goals-and-priorities-for-your-divorce-before-it-starts", "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 an emotionally challenging journey that often begins with one of the most daunting tasks—communicating the decision to friends, family, and colleagues. The way this information is shared can significantly impact the journey ahead for everyone involved. It’s important to approach this sensitive conversation thoughtfully, considering the emotional readiness of those you're about to inform. Seeking support from professionals like a divorce coach, from the onset of the decision, can help navigate these tricky conversations. In this post, we discuss what to keep in mind as you prepare to share the news of your divorce with others. Timing Is Key First, consider when you’ll share the news of your divorce. To make this decision, determine the emotional readiness of the individuals involved. For example, parents might relate better due to their own experiences white children could have intense emotional reactions. Consider the stage of legal proceedings and any other ongoing events or commitments before initiating these conversations. For example, it might not be best to share the news with your teenage daughter the night before she has a big test. Rather, consider timing that allows your friends and family time to react and process in the ways they need. Mutual agreement with your ex-spouse on the approach and timing for informing others can also be beneficial in managing the situation cohesively. Share Sensitively Once you’ve considered the right timing, take steps to deliver the news honestly and concisely in a private setting, avoiding public spaces. Share limited information initially, without disclosing legal intricacies. This approach can help maintain focus on the key message. Consider your audience and tailor the information to suit the understanding and appropriateness for each group. If you can initiate discussions with mutual friends alongside your ex-spouse, you can alleviate the immediate pressure they may feel of choosing sides. Start with less challenging conversations, if possible, allowing you to practise in delivering a composed, sensitive, and factual message about the situation, before moving to more challenging audiences, such as your colleagues or children. Managing Reactions Expect diverse reactions from friends, family, children, and coworkers. Being prepared to receive and process these responses is crucial. While accepting support is important, setting boundaries on discussions, especially if certain details aren't ready to be disclosed, is a healthy approach. Make it a priority to protect your personal space and privacy during this emotionally charged time. Getting help from professionals can help you process reactions effectively. Consider speaking with a divorce coach, psychologist, or other professionals in the early days of your divorce. Moving Forward Communicating your divorce decision is a significant milestone in the journey toward healing and moving forward. Approach it thoughtfully, protect your emotional well-being, and seek professional assistance to ensure a smoother transition through this challenging period. Sharing news of a divorce is just the beginning. Often, after this initial step, you may feel a sense of relief because you can now openly discuss the situation with friends and family. Next, it's time to focus on the practical aspects of the process, such as organizing finances and legal procedures. At A.M. Financial, Amy Melander, CFP®, CDFA® works with individuals and couples who are facing challenging financial decisions during the divorce process to help them make informed decisions today regarding the future. If you're navigating through this challenging phase and need support, consider reaching out for a free financial consultation or for referrals to professionals, such as a divorce coach, to guide you through the next steps.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "02/01/2024", "datePublished" : "02/01/2024", "headline" : "Communicating Your Divorce: Sharing Your Decision with Others", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/contemplating-divorce.jpg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/communicating-your-divorce-sharing-your-decision-with-others", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "articleBody" : "While often called the “season of joy,” the holidays aren’t always merry for everyone, especially for those going through a major life change like a divorce. Relationship challenges and separation can make the holiday season instead feel overwhelming, stressful, and downright miserable. Maybe you are alone for the first time this holiday, following a split from your spouse, and trying to figure out how to take care of yourself while providing for the kids. Perhaps you feel extra pressure to maintain or rethink traditions. You might even be attending holiday parties alone for the first time in a long time, quietly declaring your relationship challenges publicly. Andra Davidson, Certified Divorce Coach, recently offered observations about the challenges faced by numerous families as they navigate the holiday season amidst significant life changes. In this post, we recap five valuable tips Andra offers to help you identify the emotions and reduce the stress you might experience in the face of divorce this holiday season. 1. Identify your triggers It’s not uncommon to feel generally overwhelmed with all that you are experiencing. If you can get clear and honest about the specific source of your stress, it will help you better address the emotions that are coming up. Common sources of holiday stress include the following: Interactions with your ex Being worried about being alone while the kids are with the other parent Changes in your family traditions Concerns about disappointing the kids because of financial or logistical strains. Are there other questions that come up for you? 2. Create a plan After you clearly identify the source of your stress, sadness, or uncertainty during this time, it’s time to create a specific plan to address the issues. For example, if you’re worried about being alone during the holidays because it’s always been a time filled with social events and family gatherings, make plans now to address this concern. Reach out to other single friends to schedule holiday shopping dates, dinner plans, or outings to enjoy winter activities. Don’t forget about making connections with coworkers, neighbors, or even groups on Meetup or Facebook with common interests. Reach out to trusted friends who have strong holiday traditions and share your concerns about being alone. Chances are your friends and family would love to include you but may not know to ask. Be proactive about managing your triggers in order to create the best possible holiday experience based on your unique circumstances. 3. Set the tone Breaking the habit of engaging in arguments with your ex can be challenging. Consider setting aside differences and commit to taking the high road throughout the holidays. If you react less to your ex spouse, could you find more peace for yourself during this stressful time of year? Taking the high road could look like sending a simple text or email to say ‘happy holidays’ or reducing interactions to the bare minimum so that there are fewer triggering experiences that stir up emotions. Spend some time thinking about the tone you can set during the holiday season and how choosing peace might reduce your stress level. 4. Communicate with kids (in an age-appropriate way) If you're a parent, you probably bear the emotional weight of realizing that this year will be unlike previous ones for your children. There's no need to pretend that this year will mirror the past. In an age-appropriate way, talk to you kids early in the holiday season and acknowledge that this year looks different. Ask them what they’d like to do this year to celebrate the holidays in order to give them a sense of control over the situation. Make it a priority to incorporate new traditions that they suggest or go out of your way to maintain their favorite traditions. If finances are tight or the parenting agreement isn’t ideal, recognize that the most important thing you can do is give them the gift of your undivided attention. Work to create memorable experiences with them by being present to whatever is giving them joy this holiday season. 5. Practice self-care and self-love Give yourself permission to be stressed and emotional during the holidays, and recognize how sometimes that stress is due to your own expectations. Use compassionate self-talk as if you are giving advice to your best friend as you reflect during this time. Reward your own strength and bravery with a gift to yourself. Maybe it’s a piece of jewelery to mark the occasion or simply a morning to sleep in. Consider a night out with friends, or investing time in a new, holiday activity you love. Acknowledge all that you are going through and honor yourself during this time. Andra Davidson is a Certified Divorce Coach and trained mediator, specializing in helping anxious and overwhelmed men and women find the strength and skills to minimize the impact of divorce and come out better on the other side Friends and clients of A.M. Financial are invited to take advantage of a reduced rate of $300 on her 90-minute Kick-Start Session, which is normally $375. This offer is good through December 2023.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "12/12/2023", "datePublished" : "12/12/2023", "headline" : "5 Ways to Reduce Holiday Stress in the Face of Divorce", "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/5-ways-to-reduce-holiday-stress-in-the-face-of-divorce", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "articleBody" : "Starting a new chapter in life, especially when it involves a significant change like divorce, involves both emotional and logistical considerations. If you find yourself waiting for the new year to officially initiate your divorce, this period of anticipation can be both daunting and empowering. While you're preparing for this significant life change, there are several proactive steps you can take to navigate the waiting period. In this blog post, we’ll discuss eight things you can do to be both prepared for the logistics of what’s to come and more resilient to the emotional roller coaster that often accompanies divorce. 1. Start Gathering Financial Information As the year draws to a close and conversations about finances become more commonplace due to the holiday season, take advantage of this time to collect essential financial information. Engage in open discussions with your spouse about assets, debts, income, and expenses. Keep track of any year-end bonuses and gather documents that might only come annually. 2. Begin Thinking About Taxes You likely receive important tax information toward the end of the year. Keep an eye out for these necessary tax documents that you may need once you file for divorce. If you are working, consider consulting a financial professional to learn whether you should adjust payroll withholdings in the new year due to the circumstances surrounding your impending divorce. For example, you may have previously withheld more money because you liked having a large refund at tax time. Under your new circumstances, you may need this extra money throughout the year to pay for costs related to your divorce or new living situation. 3. Conduct a Security Screen Prioritize the security of your personal information by changing passwords to individual accounts, email, and social media. Consider creating a new email account specifically designated for divorce-related communication to ensure your privacy during this time. 4. Open Individual Bank and Credit Accounts Prepare for financial autonomy by setting up individual bank and credit accounts. Not only is this an empowering step in your divorce journey, having your own accounts can also aid in managing holiday expenses and serve as a financial buffer for potential divorce-related costs in the future. Establishing these accounts early also takes one thing off your post-divorce to-do list and allows you to securely start collecting maintenance or child support payments as soon as agreements are made. 5. Make a List of Divorce Professionals to Interview Couples who engage with divorce professionals often report higher satisfaction with the outcomes of their decree. Research and compile a list of attorneys, divorce coaches, and financial professionals that will support the outcomes you desire. Seek referrals from trusted sources or, if you are comfortable, gather information during social gatherings. Read reviews on sites ranging from Google to Facebook, and begin to screen professionals by reading their website and blog. 6. File if Needed When a relationship is strained, the holiday season can exacerbate the pressure, and become a burden to both you and your family. If your safety or well-being is at risk due to abuse or domestic violence, prioritize your protection by filing for divorce before the holidays pass. Your safety should always be a top priority. 7. Engage in Making Memories Alongside both holiday and divorce preparations, take time for yourself and your loved ones. Engage in activities that bring joy and create positive memories. Start new traditions based on what authentically brings you happiness during this time of year. Seek out the company of friends or simply treat yourself to gifts and experiences that support your emotional well-being. Confide in trusted friends, family, or professionals to navigate the emotional challenges that come with preparing for divorce. 8. Prioritize Self-Care Finally, amidst the whirlwind of preparations and emotions, don’t forget to prioritize self-care. Notice when you feel calm and healthy in your life and choose more activities that support those emotions. Don’t be afraid to say “no” to certain gatherings that might not feel appropriate with your divorce on the horizon. Prioritize self-care instead of saying “yes” to all the holiday party invitations to ensure that you start the new year feeling energised and grounded, rather than overcommitted or burned out. Divorce, as with any major life change, requires thoughtful planning and emotional resilience. By taking these proactive steps while waiting for the new year to initiate the divorce process, you are setting a solid foundation for the journey ahead. To prepare for the financial aspects of your divorce, contact Amy Melander, , who works with couples and individuals facing challenging financial decisions during the divorce process. Amy works to understand your unique priorities, and builds your financial roadmap, helping you make informed decisions for your future. Schedule your free consultation today.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "01/12/2023", "datePublished" : "01/12/2023", "headline" : "8 Things To Do if You Are Waiting for the New Year to Divorce", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-UUhAvS-1536x1024.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/8-things-to-do-if-you-are-waiting-for-the-new-year-to-divorce", "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 can be emotionally and financially challenging. As you navigate the complexity of ending a marriage, you may notice the emotional rollercoaster that accompanies the process. Emotional reactions can sabotage your financial decisions, leading to choices that may not serve your best interests in the long run. In this blog post, we'll explore six considerations to keep in mind that can help you manage the 'money crazies' during your divorce. Cultivating awareness of your emotional reactions during this time can help you make informed, rational decisions that safeguard your financial future. Self-Awareness is Key Emotions can run high during a divorce, and it's not uncommon to experience feelings of resentment, anger, and impatience. These emotions can lead to abrupt decisions, often driven by a desire for revenge or simply wanting the process to be over with. It’s important to be self-aware and recognize when these emotions cloud your judgement. When you can step out of your emotional reactions, you can prevent decisions made in the heat of the moment that may not be in your long-term financial interest. Seek Support from a Divorce Coach Managing your emotions during a divorce can be incredibly challenging and addressing your emotional needs is key to a fulfilling future post-divorce. While expecting the judicial system to address your emotional needs is unrealistic, a divorce coach can be an invaluable resource, providing emotional guidance and helping you make rational decisions during this tumultuous time. They can help you process feelings of frustration, anger, confusion, and sadness, ensuring that your emotions don't steer you off course financially or emotionally. Don't Let the Process Overwhelm You A divorce is a process that takes time for a reason. Avoid letting it consume your life entirely. Set specific times to focus on your divorce proceedings, and do your best not to let it overwhelm you. Prioritize self-care by reducing stress, spending time with friends and family, engaging in activities you enjoy, exploring new hobbies, and getting adequate sleep. Maintain your overall well-being by working on your emotional health. By identifying opportunities for self-care and committing to healthy habits, you'll be better equipped to handle both the complexities of the divorce and the changes you’ll experience post-divorce. Handle Sensitive Areas with Care Recognize that both you and your spouse may have sensitive areas that need to be addressed during the divorce. Avoid neglecting these issues and consider seeking professional support when necessary. Family therapists, mediators, professionals, or lawyers can help facilitate productive conversations, ensuring that these sensitive topics are addressed without causing further emotional turmoil. Stand Firm Against Threats During a divorce, it's not uncommon for threats or intimidation tactics to be used. Remember that you are in control of your life and your future, as well as your reactions. Your spouse no longer gets to make decisions for you, such as when you’ll move out and where you will live. You are fully in charge of your future and key decisions such as going back to work, how you’ll raise your children, and how you’ll spend money. If you feel as if your former spouse is trying to control you, seek advice from professionals, consult with supportive friends and family, and build a clear plan for your future. Do not let your spouse's threats or desire to control you dictate your actions. Avoid Making Too Many Changes at Once A divorce is already a significant life change. Adding more stressors, such as starting a new job, moving far from your support network, or embarking on a drastic diet, can be overwhelming. Take your time to reflect, heal, and rebuild your life with intention. Implement changes gradually, so you can adapt at your own pace without adding unnecessary stress to an already challenging situation. Divorce is never easy, and managing your emotions during this time is crucial to making sound financial decisions. By being self-aware, seeking support from professionals, and taking steps to protect your emotional well-being, you can navigate the divorce process with greater resilience and ensure that your financial future remains secure. You have the power to shape your own destiny, and with the right support, you can emerge from divorce stronger and ready to embrace a new chapter in your life. At A.M. Financial, we support important aspects of your divorce by working with you to model new budgets, make decisions around maintenance, and wrap up other financial aspects of your settlement. Contact us 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" : "10/11/2023", "datePublished" : "10/11/2023", "headline" : "Managing the 'Money Crazies' in Divorce: Navigating Emotional Turbulence", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-UUhAvS-1536x1024.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/managing-the-money-crazies-in-divorce-navigating-emotional-turbulence", "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 be a life-altering experience, especially for women who may find themselves contemplating working after retirement age or after a period of being a stay-at-home mom. This transition can be intimidating because you may be entering the empty nest stage and facing the task of redefining your identity, or juggling the new demands of single parenting alongside a new career. However, it's essential to recognize that there are numerous upsides to working post-divorce, ranging from financial and healthcare benefits to social enrichment, personal empowerment, and fulfillment. In this article, we'll explore the positive aspects of working after divorce. Social Connections and Personal Fulfillment One of the most significant benefits of working after divorce is the opportunity to expand your social circle and find a new sense of purpose. Many women, especially those who have been stay-at-home moms, may experience a sense of isolation during and after divorce. Returning to the workforce can provide a platform for building new friendships, reviving old ones, and strengthening your social network. This social enrichment can lead to improved mental and emotional well-being, and help you feel a new sense of identity following a big life change. Learning Opportunities and Career Growth Working after retirement age can offer valuable opportunities for continued learning and personal growth. Whether you're acquiring new skills, adapting to modern technologies, or embracing new challenges, your work can keep your mind active and engaged. This ongoing education not only benefits your career but also enhances your cognitive abilities and keeps you mentally sharp. These qualities can lead to a sense of empowerment and affirm that you have the potential to take care of yourself, no matter what happens in your life. Financial Upsides Earning a post-retirement income can have a positive impact on your financial well-being. Not only does it provide additional financial security, but it can also extend your investments and assets. Earning a regular salary, in addition to any child support or maintenance payments, increases the likelihood of not running out of money during your retirement years. In addition, working may increase your Social Security income, either by raising your initial benefit due to a higher income compared to historical earnings or by deferring benefits, which can increase your initial benefit by 8% per year up to the age of 70. Healthcare Benefits Maintaining access to quality healthcare is crucial, especially as you age or take on the responsibility of healthcare for your children. Continuing to work can provide you with employer-sponsored health insurance or the financial means to purchase reliable coverage. Regular access to healthcare can help you stay on top of preventative care and medical needs, reducing your overall medical expenses in the long-run. Volunteer Experience Many stay-at-home moms or near-retirement women have extensive experience volunteering in schools or other communities. These valuable skills and experiences should be highlighted on resumes as they have helped you cultivate valuable skills that are important to businesses, such as project management, organization, and leading with influence. Working after divorce helps you recognize what a tremendous asset you are for employers who value your dedication and community involvement. It can be rewarding and empowering to see your volunteer efforts translate into paid employment. Working after divorce may seem daunting, but it's essential to remember the numerous advantages of this choice. While the financial benefits are evident, working post-divorce also enriches your social life, helps you continue to grow as an individual, and supports a renewed sense of purpose. By embracing the opportunities that come with working after divorce, you can craft a fulfilling and financially secure future, reclaim your identity, and embark on a new chapter of your life with confidence and optimism. To learn how we support the financial aspects of your divorce and post-divorce planning, schedule a free consultation with Amy Melander, CFP®, CDFA®, and independent wealth manager.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "02/11/2023", "datePublished" : "02/11/2023", "headline" : "Embracing the Benefits of Working After Divorce", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-aAL1RB.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/embracing-the-benefits-of-working-after-divorce", "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 life-altering event that affects not only your family dynamics but also your financial plans, especially when it comes to your child's education. Navigating the complexities of college planning during and after divorce can be challenging, and by educating yourself on the dynamics, you can still make a meaningful contribution to your child’s college education. In this article, we discuss three considerations to navigate college planning during and after your divorce. 1. Managing 529 Plans State-sponsored 529 plans are a popular option to save for a child's education. While the account balance is considered a child's asset and typically not subject to division in the marital estate, several important questions and considerations may arise during divorce, including: Account Management: Who will manage the 529 accounts after the divorce? Will it be one spouse or a joint effort? Decision Making: Who has the authority to decide when and how the funds will be used? Is it one spouse's sole decision, or will it require joint agreement? Unused Funds: What happens to the 529 plan funds if they are not fully utilized by the child? Can they be transferred to another sibling, or will they be withdrawn, possibly incurring penalties? In most cases, both you and your ex-spouse will want to continue making contributions to a 529 and benefit from state income tax deductions (where applicable). Therefore, you will need separate accounts, each listing the child as a beneficiary. 2. Considering Financial Aid Implications If your child intends to apply for financial aid, it’s important to understand the implications of divorce on the Free Application for Federal Student Aid (FAFSA) and the College Scholarship Service (CCS) profile. While both the FAFSA and CSS Profile require financial information from parents, the FAFSA considers only the parent with the majority of overnights, while the CSS Profile evaluates need based on financial information from both parents. This is significant if there is a large income discrepancy between the parents because the less-financially-advantaged parent would typically qualify for a more compelling financial aid package. If you are concerned that your ex-spouse may be reluctant to provide financial information in the future, consider including agreements in your parenting plan stating that both parents will cooperate to the best of their abilities. Additionally, you’ll be required to provide financial information for the two years prior to the academic year you're applying for. For example, if you are applying for the Fall 2024 or Spring 2025 school year, you'd report financial details from 2022 onward. In the case of a new divorce, if you were married in the base year (2022, in this example) but are now divorced, you’ll need to disclose this change in circumstances in your financial aid applications. Laws regarding divorced parents' obligations for their child's college education vary by state. In some states, like Colorado, including college contributions in your divorce agreements makes them legally binding. In other states, there may be legal requirements for parents to financially support their child's college education. 3. Being Aware of Timelines When applying for financial aid through the FAFSA and CSS Profile, it's essential to be aware of specific timelines and information requirements, which are earlier than you might expect. The FAFSA and CSS Profile open for applications on October 1st for the following academic year. For instance, you would apply in October 2023 if your child plans to start school in the Fall of 2024 or Spring of 2025. Navigating college planning during and after divorce requires careful consideration of these factors. Consider seeking legal and financial guidance to ensure you make the right decisions as they pertain to saving strategies, to benefit both you and your child's educational future. Rules and regulations do vary by state, so consult with professionals who are knowledgeable about the specific laws in your area to create a plan that suits your family's needs post-divorce. To learn more about how we can support these important decisions during your divorce, contact us for a free consultation.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "19/10/2023", "datePublished" : "19/10/2023", "headline" : "College Planning Concepts: 3 Things to Be Aware of When Divorcing", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/amfinancial-blog-hero.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/college-planning-concepts-3-things-to-be-aware-of-when-divorcing", "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 undoubtedly a challenging process, and when combined with financial decisions like refinancing, it quickly becomes even more complex. Typically, homeowners refinance to secure a lower interest rate and save money, but in some situations, individuals may consider refinancing with a higher interest rate. This may seem counterintuitive, but higher interest rates can sometimes serve specific purposes during a divorce. In this article, we explore the potential pros and cons of refinancing with higher interest rates and why consulting a financial professional is important during this uncertain time. Pros of Refinancing with Higher Interest Rates While it might initially seem counterintuitive to refinance to a higher interest rate, there are certain conditions where this financial decision might make sense. Immediate Cash Flow Relief: If you find yourself struggling with high monthly mortgage or loan payments during a divorce, refinancing to a higher interest rate, even with a larger loan, could provide much-needed monthly payment relief. This can be particularly helpful if you need a lump sum of cash for various divorce-related expenses, such as settling attorney fees or dividing home equity. A Short-Term Need: If you plan to sell your property or pay off the loan relatively quickly, opting for a higher interest rate in the short term may not significantly impact your overall interest payments. Many individuals refinance at higher rates with the expectation of refinancing again once interest rates decrease, or even before they put their home on the market for sale. Tax Benefits: With low interest rates, some individuals may not qualify to itemize their taxes. However, higher interest rates could allow you to itemize this expense, potentially reducing the effective impact of the higher interest rate. Consulting a financial professional can help you determine the after-tax or 'effective' interest rate. Divorce Benefits: Refinancing can protect you in a divorce by separating your finances from your ex-spouse. Holding a joint mortgage after divorce can lead to credit risks and complications in estate planning. Separating finances as much as possible in a divorce is typically recommended for a smoother transition and a healthier co-parenting relationship. In an extreme example, you need to update wills related to your property once your divorce is finalized because joint rights of survivorship will terminate automatically, and transfer to ‘tenancy in common’ in Colorado. If the non-resident spouse remarries while the house is still owned jointly and passes away, the ex spouse and new spouse would co-own the property! Income Tax Bracket Consideration: Generally, a higher interest rate refinance may benefit individuals in higher tax brackets, where tax deductions are more valuable. Conversely, it may not be advantageous for those in lower tax brackets or those primarily receiving tax-free maintenance and child support. Cons of Refinancing with Higher Interest Rates While the cons of refinancing with higher interest rates may seem obvious, there are some specific drawbacks to keep in mind relevant to divorce. Higher Long-Term Costs: The most significant drawback of refinancing with a higher interest rate is that you'll end up paying more interest over the life of the loan. Even with lower monthly payments, the total interest paid over the loan's duration can be substantially higher. Qualification Challenges: Higher interest rates can make it difficult for individuals to qualify for a new home loan due to income constraints, debt levels, or loan-to-value issues. Given the complexity of divorce and changing financial circumstances, qualifying for a higher interest rate can be challenging. Reduced Home Equity: Refinancing with a higher interest rate means building home equity at a slower rate compared to a lower interest rate. This can impact long-term financial stability and your ability to access home equity for other purposes. Credit Impact: If you struggle to make payments on time due to increased monthly obligations from a higher interest rate, due to the overall impact on your budget, refinancing can indirectly and negatively affect your credit score. While refinancing with higher interest rates is not typically recommended due to the potential for higher long-term costs and reduced financial benefits, it's important to run the numbers and carefully assess your specific financial situation and goals. This is especially true during a divorce, when asset ownership gets more complex. Consulting a financial professional, such as A.M. Financial, can help you model different scenarios that take variables into account including tax benefits, financial objectives, and budgets, allowing you to make informed decisions about refinancing. Contact us to learn more about how we can assist you during this challenging time.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "09/10/2023", "datePublished" : "09/10/2023", "headline" : "Refinancing Considerations with Higher Interest Rates in Divorce: The Pros and Cons", "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/refinancing-considerations-with-higher-interest-rates-in-divorce-the-pros-and-cons", "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 life-altering event that can have significant financial implications. One important factor to consider during this process is cost of living and related economic inflation. Understanding how your divorce may be impacted by the cost of living in your local area can alter your financial decisions and these considerations are essential when planning for the future. In this post, we outline three things that will significantly impact your cost of living and how you can prepare for these changes post-divorce. Housing Costs in Colorado One of the most significant costs you will incur post-divorce is affording housing on your own. Unless you have a sizable down payment for a new home, significant equity in your current home, or plan to drastically downsize, a new mortgage or rental payment is going to cost between $2,500 and $3,000 per month minimum - if you have children living at home. When securing a loan or determining your budget, your housing (mortgage or rent) should not be more than 25-30% of your total income. That means you need between $7,500 and $12,000 per month in total income to live in Colorado comfortably, without a contributing roomate. Therefore, it’s important to determine where your income streams will come from and the reliability of those income sources so you don’t get in over your head with a large mortgage payment. The Details of Your Settlement Working closely with an attorney and financial advisor during your divorce can help you develop a settlement strategy that aligns with your financial goals. For example, if you know that housing will be your biggest hurdle in managing the cost of living in Colorado on your own, you may design your settlement in a way that allows you to retain the marital home in exchange for other assets that may be less impactful to your existing situation. While you want to avoid short-term thinking, the way you design your maintenance and divide your retirement assets could also help you solve for cost-of-living needs and give you more time to get back on your feet. The details of your settlement and the advisors that support your financial strategy during this time can greatly impact the way you manage cost of living challenges post-divorce. Income and Tax Considerations When you consider all sources of income, from child support to maintenance, to earned income and passive income, you’ll be able to design a budget that illustrates whether you have the resources to recover and eventually thrive based on the cost of living in your area. Based on your income from all these sources, you’ll likely have new tax filing considerations post-divorce, which may or may not work to your benefit. It’s best to work with a financial advisor who can help minimize your tax liability, identify new deductions or exemptions, and prepare you for any changes in tax payments post-divorce. You may also decide that it’s essential to go back to work full-time or invest in career training to improve your financial situation in a high-cost-of-living environment. The cost of living considerations and economic inflation in a divorce require careful evaluation. Work with a team of professionals to consider everything from housing expenses to the specifics of your asset division, and sources of income along with the related tax implications. Seeking professional advice from divorce attorneys, real estate lenders, financial advisors, and tax professionals can help you navigate these considerations and make informed decisions for your future financial well-being. At A.M. Financial, we answer top questions you might have about your financial future and model different scenarios to structure what you need so you can recover and eventually thrive in a high cost-of-living state like Colorado. Contact us for a free consultation.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "18/09/2023", "datePublished" : "18/09/2023", "headline" : "Cost of Living Considerations in Your Divorce", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-gTgZu3-1536x1024.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/cost-of-living-considerations-in-your-divorce", "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 are a non-working spouse going through a divorce, it’s important to fully understand your sources of income and determine whether you need to return to work to supplement your maintenance payments and other income-generating assets. Even if your former spouse made a good living, the combination of a high cost of living in Colorado and your preferred lifestyle might mean it may be in your best interest to return to full-time employment and/or enroll in career training to become employable. In this post, we’ll outline the top four sources of post-divorce income to consider as you evaluate and restructure your finances during the divorce process, and what these income streams mean for future financial needs. 1. Income from Child Support If children are part of your divorce, you’ll likely be awarded child support until your children reach the age of 19 in Colorado. This payment is based on the number of overnights you have with your children, each parents’ income (including maintenance, if any), the age of the children, childcare needs, healthcare needs, and other potential costs. This child support payment can fluctuate if there are changes in the child’s living situation or income changes for the parents. Logistically, this income should be used to provide the same standard of living to the child as the other spouse, and because this income stream is temporary, it’s best to rely very little or at all on this contributing income for your lifestyle. Therefore, doing your best to a build a budget that does not require this income to pay your bills, qualify for loans, and pay for your own lifestyle choices is the most financially prudent direction from a long-term perspective because at some point this income will stop. 2. Income from Maintenance Finalized as part of your divorce settlement, Maintenance income is the result of income disparity between spouses. Maintenance, sometimes called rehabilitation support, can be structured several ways. The goal of Maintenance is to provide support for the lower-earning spouse to re-enter the workforce so that they can eventually provide for themselves financially, ideally by the time the maintenance payments end, or retire. In Colorado, the duration of Maintenance is usually based on the length of the marriage whereas the amount of Maintenance is based on each party’s annual income. Therefore, like child support, this income stream could change but at some point in the future, will end. The duration of Maintenance, along with your age, plays a large role in how this payment will impact your future. For example, if you receive Maintenance until you are eligible for retirement benefits, you may not need to return to the workforce. On the other hand, if you are 45 years old with a maintenance award of 10 years, you should work on your career and ways to supplement your maintenance income unless you have adequate assets to live off of for the rest of your life, essentially retiring early. Adequate retirement planning, no matter your age, could provide insight on whether you need to re-enter the workforce and at what level. 3. Income from Earnings If you do decide to work on your career and re-enter the workforce, you’ll undoubtedly have more power and control over your income. This stream of income can last forever and has ancillary benefits, such as retirement savings, healthcare, and other professional financial perks. Skills you acquire through going back into the workforce and the associated income you’ll earn with those skills can’t be taken away from you. Even if you get laid off, you’ll likely receive some sort of severance along with maintaining the skills you need to be employable elsewhere. Therefore, your earnings are an extremely valuable and empowering asset for a stable financial future. If you are raising kids, balancing a great number of priorities, and not accustomed to also working on top of these responsibilities, it can feel overwhelming to imagine full-time employment. If you are considering career training, evaluate the types of jobs that might fit your lifestyle. For example, while your children are young, consider careers that more commonly provide work-from-home options to help you balance your existing responsibilities. Since COVID, there are many more employers who offer work-at-home opportunities. Your earnings are the most flexible and abundant source of income and can be the most dependable asset in your financial future. 4. Income from Other Assets It’s possible that you’ll divide assets in your divorce that provide monthly income. These assets might include investment dividends and interest, rental property income, passive business income, and more. Depending on how these assets are managed and structured, they could provide steady income for a long period of time or disappear completely. It’s important to work with your financial advisor to evaluate the level of risk and reward you might encounter with these less common forms of income to make sure they last for as long as possible or are used in an appropriate manner that reflects your goals and priorities. If you don’t earn as much as your former spouse, consider conserving these assets or taking steps to reduce your risk. For example, rental property income can be fruitful until you can’t find consistent renters or need to make significant improvements to the rental home, which you may not have the funds to address. Similarly, these types of assets can lose substantial value and you may want to liquidate or withdraw the assets for specific purposes. Your financial advisor can help you retain and stretch the assets for as long as possible. At A.M. Financial, we provide support to individuals going through a divorce by designing budgets that align with financial goals, discussing asset division strategy, and modelling retirement plans. We offer a free consultation to learn more about your unique situation. Contact us to schedule yours today.", "author" : { "@type" : "Person", "name" : "Amy Mahlen", "sameAs" : "", "url" : "https://amf-divorce.com/our-blog/author/amy-mahlen" }, "dateModified" : "06/09/2023", "datePublished" : "06/09/2023", "headline" : "Four Sources to Consider When Restructuring Your Income Post-Divorce", "image" : { "@type" : "ImageObject", "height" : 400, "url" : "https://39875594.fs1.hubspotusercontent-na1.net/hubfs/39875594/Imported_Blog_Media/qtq80-1fBtOD-300x200.jpeg", "width" : 750 }, "mainEntityOfPage" : "https://amf-divorce.com/our-blog/four-sources-to-consider-when-restructuring-your-income-post-divorce", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "A.M. Financial", "url" : "amf-divorce.com" } } ```