CERTIFIED DIVORCE FINANCIAL ANALYST

Annette is a Certified Divorce Financial Analyst TM, certified from the Institute of Divorce Financial Analysts. IDFA TM. Considering that a divorce is likely to be the largest financial event in a person’s lifetime, it’s critical to get specialized advice. That’s where a CDFA comes in; a professional who is trained both by education and practical experience, specifically in the divorce financial planning arena.  The CDFA’s job is to work with one or both clients to help them determine which of the marital assets are best suited for their particular financial circumstances. This is where the advisor’s expertise in investments of all kinds (including employment-related benefits such as deferred compensation insurance products, annuities, stocks, bonds, mutual funds and real estate) adds a layer of expertise that complements the attorney’s knowledge and scope of work. Experience in the divorce field may be the most important reason to use a CDFA. There are specific tax laws that only apply to divorce and laws related to the division of property, marital versus non-marital assets, alimony, child support and other holdings. An experienced CDFA can help their client set realistic expectations as well as provide the most effective reports to support the client’s positions.

DIVORCE COACH

A divorce coach provides a wide range of flexible services, and those services are always focused on helping motivate and support their clients through the divorce process.  Annette is trained to assist in areas of:

  • Overwhelm with the divorce process: Divorce is both a legal process and an emotional one. Going through all of that can be confusing, stressful and overwhelming. Meeting with a divorce coach in the early stages of divorce is a great way to chat with an expert about options and what all needs to be done. 
  • Communication problems: Whether a client is struggling to communicate with their ex (or soon to be) partner, with their children, or with family members who need to be “looped in” to the divorce process, a divorce coach can be a great “thinking partner”: someone with whom you can share ideas and experiences in order to navigate difficult challenges. 
  • Difficulty making decisions: Whether a client is contemplating divorce, trying to decide how to divide assets during a divorce, or any of the other difficult decision-making that goes on throughout the divorce process, a divorce coach can help clients to clear their head and reach decisions that align with their needs, priorities, and values. 
  • Adjusting to post-divorce life: The impact of divorce certainly doesn’t end for most people as soon as their ex is out the door and the legal odds and ends are settled. Even if children and co-parenting doesn’t factor in, many people struggle to adjust to their new life, emotionally and logistically. Divorce coaches can help post-divorce clients to set and achieve goals that will enable them to move forward on their new path.
  • Difficulty prioritizing through an emotionally taxing time: It can be hard to get clear on priorities when overwhelmed with emotions and stress. Divorce coaches can help people make decisions from a place of logic and reason, rather than from a place of strong emotions, like anger or grief. While divorce coaches are empathetic and there to listen and attend to their clients’ emotional needs, they are primarily action-oriented and ultimately committed to helping their clients make good decisions for their best lives. 

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PROBATE

Annette is a state certified Probate Real Estate Specialist and helps administrators and executors with the sale of real estate holdings the estate has to liquidate.

QDRO

Annette successfully completed the AACQP – The American Association of Certified QDRO Professionals designation to complete Qualified Domestic Relations Orders to divide your pensions and retirement funds.

The American Association of Certified QDRO Professionals (AACQP™) has been established to create uniformity and for candidates & members to maintain a high standard of quality concerning business professionals involved with the preparation of Qualified Domestic Relations Orders. To achieve this standard of quality AACQP™ has developed courses, exams and practical exercises intended to certify that an individual is fully prepared to service clients with regard to Qualified Domestic Relations Orders and any other related issues. AACQP bestows upon a candidate meeting these standards as a Certified QDRO Specialist (CQS). The AACQP Certification Board is responsible for maintaining a high standard of quality within the certification program and is also tasked with maintaining a professional organization that represents the profession of QDRO Specialist and Analysts.

RCS-D

Keep the House for all the Right Reasons – By Preventing Permanent Mistakes in Divorce/Elder Family Mediation

California, 2022 – The family home is usually the most significant asset in divorce and elder mediation, often with significant debt. However, appraisal minus mortgage does NOT equal actual equity. This incomplete equation leaves your house over-valued and that works against you in family mediation for divorce and elder matters.

Don’t settle for a bad property settlement. In addition to the inaccurate and unfair division of your property, you risk damaged credit, default, foreclosure or even bankruptcy.

Remember all those documents you signed when you bought the house? Most are missing when mediating that same house. We provide help to gather the house documents you need to make an informed decision regarding actual equity and whether to keep the house.

To keep your house for all the right reasons, you need a real estate agent specializing in divorce – an RCS-DTM designee.

Annette Brown has completed course work to earn the RCS-DTM designation as a Real Estate Collaboration Specialist – Divorce™.  

An RCS-D™ REALTOR® , Annette is professionally trained to neutralize divorce real estate as a business transaction in the best interest of the house – and each divorcing spouse. Leading your divorce real estate team, Annette also serves as project manager working with you and your lawyers and can refer real estate and financial professionals specializing in divorce to assist with gathering house-related documents and scheduling consultations, most of which are free.

The RCS-D™ professional program was written and taught by Kelly Lise Murray, J.D. & Wendy Waselle. Professor Murray earned her J.D. cum laude from Harvard Law School & faculty at a top 20 law school (15+ years). Co-Instructor Wendy Waselle has a Masters Degree in Education & developed the RCS-D™ marketing system.

You may contact [email protected] to discuss how you can protect one of your most valuable financial assets during the stressful time of divorce. Whether your divorce is completed, just beginning or somewhere in between, Annette can help you determine your best options now for a stronger financial future.