Holistic Financial Partners

You Have Goals. We'll Help You Reach Them.

You have a vision for the kind of future you want – one that is secure, healthy, and filled with possibility. But, in today’s complicated financial landscape, you need expert advice to help you maximize your potential and make your goals a reality.

Whether you need a partner and ally during divorce or expert advice as you consider investment options, estate planning, budgeting, or other aspects of creating your financial future, Holistic Financial Partners is there for you.

Frequently Asked Questions

  • Who gets to claim the children as dependents on their tax return?
    In a divorce settlement, it's important to consider who will benefit most from claiming children as dependents. Often, the high-income earners receive no benefit, so it makes sense for the lower earning spouse to claim all children. While attorneys often advocate for equal rights to claim dependents, we make sure the actual benefit to each party is fully understood.
  • I have always been insured through my spouse's employer. What are my options for obtaining health insurance?
    If you have lost coverage due to divorce, you are eligible to receive coverage through COBRA for 36 months. You also have the option of purchasing coverage through the private health insurance exchanges created through the Affordable Care Act. We can help you determine which option makes the most sense for you.
  • I would like to get out of debt. Should I file for bankruptcy?
    Though we possess a broad range of financial expertise, we recommend consulting a bankruptcy attorney to determine whether this is advisable for you.
  • I have never worked. Can I get social security?
    If you and your spouse have been married for 10 years or more, you are automatically entitled to 50% of your spouse's Social Security benefit. This is an automatic guarantee and, therefore, not a negotiation point in divorce.
  • What are your fees for pre-divorce planning?
    We do not charge any fees for pre-divorce planning. We understand that divorce is an expensive life event, and our priority is ensuring that your interests are protected. If you choose to implement your financial plan with us after your divorce is finalized, our fees are simple and straightforward and are based on assets under management. There are zero fees for pre-divorce planning, even if you do not engage our firm for your post divorce planning.

Pre Divorce Guidance

Financial expertise is key to securing the settlement you deserve.

The basis for any sound settlement is a complete picture of the assets, yet arriving at this clear view requires financial expertise. What might appear to be an equal distribution of assets can change dramatically when cost basis, tax consequences, and any retirement plan or securities law restrictions are considered.

Individuals who pursue divorce without the right financial expertise risk an inequitable settlement. That’s why we partner with individuals and their attorneys to go beyond the traditional “lump sum” approach. Instead, we dial in on each asset to define its value at present, and over time. By utilizing specialized financial analytics, we support client attorneys in presenting an equitable and highly defensible settlement request.

Step 01

When you choose Holistic Financial Partners for your pre-divorce planning, you can expect us to:

Details

  • Work with your attorneys to ensure your financial interests are protected
  • Follow a detailed, predictable process so that you and your legal team will know what to expect
  • Work hard to simplify complex financial scenarios and to do everything we can to reduce your burden
  • Charge no fees whatsoever for our pre-divorce planning services

Step 02

Once you contact us, we will begin a five-step process to meet your needs:

Details

  • Gather all appropriate documentation and discuss your situation.
  • Create a marital balance sheet, detailing the assets and holdings of both parties.
  • Begin defining how you can move forward with your financial goals.
  • Help prepare you for possible settlement outcomes.
  • Create a post-divorce to-do list and, with your approval, begin implementing your investment plan.

Post Divorce Guidance

Post-divorce planning is the next step toward securing your financial future.

Settlement is only the first step toward securing your future. once a settlement has been reached, we work with you to maximize the value of your settlement over the long-term. Through budgeting, financial planning, and prudent investment strategies, we help derive the maximum value from your settlement.

It’s an often overlooked, yet vitally important step toward securing the future you want for yourself, and your family. The steps you take at this critical juncture are key to shaping what lies ahead.

Step 01

Financial expertise is essential to maximizing your settlement and achieving maximum long-term value. We can help you explore:

Details

  • Budgeting strategies to help you achieve your goals
  • Investment options such as stocks, bonds, and exchange traded funds (ETF)
  • Overall asset allocation to help you diversify according to your individual risk tolerance