Divorce Rich with Jacki Roessler, CDFA

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We're starting off Season 2 with a bang! Divorce is the single largest financial transaction of most people's lives, and making uninformed decisions based on common money myths can have devastating long-term consequences. We debunk five major misconceptions about divorce finances to help you navigate this complex process with confidence and clarity.

• DIY divorce is rarely the money-saving solution it appears to be and can cost significantly more in the long run
• Keeping the house requires careful financial analysis including mortgage qualification, affordability, and evaluating its long-term impact on your finances
• Retirement accounts can be accessed during divorce through QDROs, offering important financial flexibility without the usual early withdrawal penalties
• Alimony needs should be evaluated as part of your complete financial picture, including all potential income sources and a realistic budget
• Divorce settlements must consider future implications like taxes, investment growth, and retirement security, not just division of current assets
• Having proper legal and financial guidance helps you make sound decisions when you're feeling emotionally exhausted near the end of negotiations

Schedule a free 30-minute consultation with me to see if divorce financial planning is the right fit for you, because financial peace of mind is possible. https://calendly.com/roessler-jacki/30min

CLICK the LINK below to download Jacki's budget worksheet and find other resources!

https://www.roesslerdivorce.com/resources/

How to Reach Jacki

Visit the new Divorce Rich Podcast page on Jacki's website to learn more about Jacki's practice and to find valuable resources for your case.  Divorce Rich - Roessler Divorce Consulting.

If you wish to schedule a free 30-minute initial consultation, you can reach Jacki at Roessler Divorce Consulting.

DIVORCE RICH PODCAST SPONSORS

Center for Financial Planning

The Divorce Rich podcast is proudly sponsored by Center for Financial Planning: Striving to Improve Lives through Financial Planning Done Right! https://www.centerfinplan.com/

DAWN
Divorce Attorneys for Women: Michigan's Original Divorce Attorneys for Michigan.  DAWN - Michigan's Original Divorce Attorneys for Women

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Tax strategies that high-wage earners need during divorce but rarely receive proper guidance on - that's the focus of this deep-diving conversation between host Jacki Roessler, CDFA and returning guest Nick Defenthaler, CFP and partner at the Center for Financial Planning.

For executives receiving equity compensation, the conversation turns to concentration risk - the danger of having too much net worth tied to a single company's performance. "Our general rule of thumb is no more than 10-20% within one particular company stock," explains Nick, while acknowledging the emotional attachment many feel to their company shares. The solution? A strategic "capital gains budget" approach that systematically diversifies assets while managing tax implications.

Throughout the episode, both experts emphasize that while technical knowledge matters, successful financial planning during divorce requires balancing mathematical precision with empathy for the client's emotional reality. As Nick puts it: "You can look at the math and it could tell us one thing, but there's this other component called the human element."

• Ready for some advanced tax planning tailored to your post-divorce life? Reach out to Nick by calling 248-948-7900 or clicking this link: CLICK HERE 
• Want to create your idea "paycheck" in retirement? Listen to Nick's previous guest spot on the podcast by CLICKING HERE
• Think you may be a good fit for divorce financial planning? Book a complimentary intro consultation with Jacki by CLICKING HERE

How to Reach Jacki

Visit the new Divorce Rich Podcast page on Jacki's website to learn more about Jacki's practice and to find valuable resources for your case.  Divorce Rich - Roessler Divorce Consulting.

If you wish to schedule a free 30-minute initial consultation, you can reach Jacki at Roessler Divorce Consulting.

DIVORCE RICH PODCAST SPONSORS

Center for Financial Planning

The Divorce Rich podcast is proudly sponsored by Center for Financial Planning: Striving to Improve Lives through Financial Planning Done Right! https://www.centerfinplan.com/

DAWN
Divorce Attorneys for Women: Michigan's Original Divorce Attorneys for Michigan.  DAWN - Michigan's Original Divorce Attorneys for Women

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Ever wondered who pays for your kid's braces after divorce? Or whether your ex can claim half your frequent flyer miles? The Divorce Rich Podcast tackles these questions head-on in our exciting new "Divorce Rich Mailbag" segment.Host Jacki Roessler, CDFA, a veteran Certified Divorce Financial Analyst  introduces her son Kevyn as co-host for this listener-driven Q&A feature that will close every episode moving forward. Together, they dive into the financial questions that keep divorcees up at night, offering straightforward answers with a touch of warmth and occasional humor.

Ready to get your own divorce financial questions answered? Submit them through the link in the show notes and tune in each month for the Divorce Rich Mailbag. While you're there, schedule your complimentary 30-minute consultation with Jackie to discover if divorce financial planning might be right for your situation.

• Send YOUR questions for our mailbag to [email protected]. No question is too small -or too big!
• Schedule a free initial consultation with Jacki by clicking the link below. https://calendly.com/roessler-jacki/30min?month=2024-03

How to Reach Jacki

Visit the new Divorce Rich Podcast page on Jacki's website to learn more about Jacki's practice and to find valuable resources for your case.  Divorce Rich - Roessler Divorce Consulting.

If you wish to schedule a free 30-minute initial consultation, you can reach Jacki at Roessler Divorce Consulting.

DIVORCE RICH PODCAST SPONSORS

Center for Financial Planning

The Divorce Rich podcast is proudly sponsored by Center for Financial Planning: Striving to Improve Lives through Financial Planning Done Right! https://www.centerfinplan.com/

DAWN
Divorce Attorneys for Women: Michigan's Original Divorce Attorneys for Michigan.  DAWN - Michigan's Original Divorce Attorneys for Women

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Taking control of your financial future after divorce isn't just important—it's urgent. When that settlement ink dries, most people want to close the book and move on, but that's exactly when crucial financial decisions need attention. What happens in those first weeks and months can dramatically impact your long-term security.

In my conversation with Karen McMahon on her Journey Beyond Divorce podcast, we dive deep into the post-divorce money moves that absolutely cannot wait. From creating a strategic calendar of settlement-related dates to making immediate decisions about retirement accounts, we break down what needs your attention in the first three months, six months, and within a year of your divorce finalization.

• Schedule an initial consult with Jacki to discuss your post-divorce game plan! https://calendly.com/roessler-jacki/30min?month=2024-03
• Tune into Journey Beyond Divorce Podcast to expand your knowledge! https://www.jbddivorcesupport.com/jbdpodcast
• Download Jacki's Post-Divorce Gameplan for free by clicking the link below
• https://www.roesslerdivorce.com/wp-content/uploads/2024/09/post-divorce-gameplan-fillable.pdf

How to Reach Jacki

Visit the new Divorce Rich Podcast page on Jacki's website to learn more about Jacki's practice and to find valuable resources for your case.  Divorce Rich - Roessler Divorce Consulting.

If you wish to schedule a free 30-minute initial consultation, you can reach Jacki at Roessler Divorce Consulting.

DIVORCE RICH PODCAST SPONSORS

Center for Financial Planning

The Divorce Rich podcast is proudly sponsored by Center for Financial Planning: Striving to Improve Lives through Financial Planning Done Right! https://www.centerfinplan.com/

DAWN
Divorce Attorneys for Women: Michigan's Original Divorce Attorneys for Michigan.  DAWN - Michigan's Original Divorce Attorneys for Women

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Ever wonder if your tech executive spouse has compensation you don't fully understand? You're not alone. The modern divorce landscape has become increasingly complex as companies shift away from straightforward salaries toward sophisticated equity-based compensation packages.

In this essential episode, I tackle one of divorce's most misunderstood financial topics: non-standard compensation. I break down the mysterious world of RSUs (Restricted Stock Units), PSUs (Performance Stock Units), deferred compensation, and various bonus structures that often make up significant portions of total income in tech, finance, and corporate settings.

Through clear explanations and a compelling case study, I reveal how overlooking these assets can potentially cost you hundreds of thousands of dollars in your settlement. You'll learn the critical differences between vested and unvested equity, discover the five-point checklist for properly documenting these assets, and understand the tax implications that could dramatically affect their true value. I share a real-world example where my analysis helped secure a client over $250,000 in future payouts that were nearly left out of their settlement.

Whether you're just beginning the divorce process or already deep into negotiations, this episode provides the knowledge you need to identify potential hidden wealth and ensure your financial future isn't compromised by overlooking these increasingly common compensation structures. Don't leave money on the table – listen now to gain the clarity and confidence you need to make informed decisions about your financial future.

Schedule a free 30-minute consultation to see if divorce financial planning might be right for your situation – because understanding your finances today creates the freedom to build your tomorrow.

• https://calendly.com/roessler-jacki/30min?month=2025-07

How to Reach Jacki

Visit the new Divorce Rich Podcast page on Jacki's website to learn more about Jacki's practice and to find valuable resources for your case.  Divorce Rich - Roessler Divorce Consulting.

If you wish to schedule a free 30-minute initial consultation, you can reach Jacki at Roessler Divorce Consulting.

DIVORCE RICH PODCAST SPONSORS

Center for Financial Planning

The Divorce Rich podcast is proudly sponsored by Center for Financial Planning: Striving to Improve Lives through Financial Planning Done Right! https://www.centerfinplan.com/

DAWN
Divorce Attorneys for Women: Michigan's Original Divorce Attorneys for Michigan.  DAWN - Michigan's Original Divorce Attorneys for Women

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Choosing the right divorce attorney is the most crucial decision you can make during this life transition, with geographic expertise and family law specialization being top priorities. Managing partner Kelsey Minor from DAWN (Divorce Attorneys for Women's Needs) shares her insights on finding representation that provides both legal expertise and emotional support.

• Hire an attorney experienced in your specific county as local court procedures vary significantly between judges
• Look for family law specialists who understand both legal complexities and emotional dynamics
• Good attorneys provide clear process timelines and connect you with specialized resources when needed
• Ask potential attorneys about their communication style, response times, and availability for meetings

• To schedule an appointment with attorney Kelsey Minor, click the link below https://womensrights.com/law-firm/our-lawyers-staff/ or call her at 888-772-DAWN.
• To schedule an initial 30-minute consult with Jacki, use the link below: https://calendly.com/roessler-jacki/30min?month=2025-06

How to Reach Jacki

Visit the new Divorce Rich Podcast page on Jacki's website to learn more about Jacki's practice and to find valuable resources for your case.  Divorce Rich - Roessler Divorce Consulting.

If you wish to schedule a free 30-minute initial consultation, you can reach Jacki at Roessler Divorce Consulting.

DIVORCE RICH PODCAST SPONSORS

Center for Financial Planning

The Divorce Rich podcast is proudly sponsored by Center for Financial Planning: Striving to Improve Lives through Financial Planning Done Right! https://www.centerfinplan.com/

DAWN
Divorce Attorneys for Women: Michigan's Original Divorce Attorneys for Michigan.  DAWN - Michigan's Original Divorce Attorneys for Women

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Forgotten assets can cost you thousands in your divorce settlement. While houses and retirement accounts get plenty of attention, your spouse's career—that law degree you helped them earn, the executive position you moved cities for, or the tenure track you supported them through—often gets overlooked completely.

Career assets represent significant value that you helped build during your marriage. From company cars and expense accounts to health insurance benefits, advanced degrees, stock options, and performance-based compensation, these benefits directly impact your spouse's financial position after divorce. Even unvested benefits deserve consideration when dividing marital assets fairly.

Working with financial experts who understand divorce can help quantify these complex assets. They can analyze everything from the present value of future earnings to the true cost of replacing employment benefits you'll lose access to after divorce.

Remember, your ex's career isn't just their individual success story—it's part of your shared marital economy that deserves fair treatment in your settlement. You deserve recognition for your contributions to building that success, whether direct or indirect. Take the time to understand these often-overlooked assets and ensure they're properly addressed in your divorce proceedings.

To schedule an appointment with Jacki for an initial complimentary consultation, use the link below. https://calendly.com/roessler-jacki/30min?month=2024-03

How to Reach Jacki

Visit the new Divorce Rich Podcast page on Jacki's website to learn more about Jacki's practice and to find valuable resources for your case.  Divorce Rich - Roessler Divorce Consulting.

If you wish to schedule a free 30-minute initial consultation, you can reach Jacki at Roessler Divorce Consulting.

DIVORCE RICH PODCAST SPONSORS

Center for Financial Planning

The Divorce Rich podcast is proudly sponsored by Center for Financial Planning: Striving to Improve Lives through Financial Planning Done Right! https://www.centerfinplan.com/

DAWN
Divorce Attorneys for Women: Michigan's Original Divorce Attorneys for Michigan.  DAWN - Michigan's Original Divorce Attorneys for Women

Send us Fan Mail

When most people think of divorce, they picture contentious courtroom battles and emotional warfare. But what if there's a better way? Family law attorney and certified domestic relations mediator Xavier Prather reveals how mediation offers couples a path to resolution that  saves money, and creates better outcomes for everyone involved.

Xavier brings an unexpected background to his mediation practice. As the historic winner of Big Brother Season 23—the first Black winner in the show's two-decade history—he developed remarkable skills for helping people in conflict communicate effectively. "In the Big Brother house, just like in divorce, you're dealing with a lot of different personalities and emotions in an environment designed to bring out some of the most toxic feelings," Xavier explains. "That experience taught me how to help people express themselves while still finding common ground."

The conversation explores the critical differences between facilitative and evaluative mediation approaches. While evaluative mediation focuses on assessment based on courtroom experience, facilitative mediation centers on improving communication between parties. Xavier passionately advocates for approaches that give couples more control over their outcomes rather than surrendering decisions to the court system.

Perhaps most fascinating is Xavier's discussion of marriage mediation—a proactive approach for couples who want to stay together but struggle with communication issues that could eventually lead to divorce. Unlike couples therapy, which delves into psychological patterns, marriage mediation focuses on practical communication strategies and agreements about responsibilities, finances, and parenting. "The couples that go to mediation—I applaud them because they're recognizing they need help before it's too late," Xavier notes.

How to Reach Jacki

Visit the new Divorce Rich Podcast page on Jacki's website to learn more about Jacki's practice and to find valuable resources for your case.  Divorce Rich - Roessler Divorce Consulting.

If you wish to schedule a free 30-minute initial consultation, you can reach Jacki at Roessler Divorce Consulting.

DIVORCE RICH PODCAST SPONSORS

Center for Financial Planning

The Divorce Rich podcast is proudly sponsored by Center for Financial Planning: Striving to Improve Lives through Financial Planning Done Right! https://www.centerfinplan.com/

DAWN
Divorce Attorneys for Women: Michigan's Original Divorce Attorneys for Michigan.  DAWN - Michigan's Original Divorce Attorneys for Women

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Understanding payroll stubs is a crucial yet often overlooked skill during divorce proceedings. Jacki breaks down how to read both your and your spouse's payroll documentation to ensure you're getting accurate financial information for support calculations and settlements.

• Difference between gross pay (what's earned before deductions) and net pay (what's deposited in your account)
• Federal and state tax withholdings and how to spot potential overwithholding
• Understanding Social Security withholding caps and their impact on paychecks throughout the year
• Health insurance, 401(k) and other deductions that affect net pay
• How to calculate reasonable federal tax withholding percentages
• Year-to-date totals and their importance in cross-checking against W-2 forms
• Box 5 on W-2 forms shows Medicare wages, often the best reflection of true gross earnings
• Importance of year-end payroll stubs for breaking down different income sources
• Four power tips: review all stubs, keep copies of everything, look beyond take-home pay, and learn the payroll system

If you like this podcast, please follow us on Apple or anywhere that you download podcasts and share this link with any friends or family that you think might benefit from this information.

How to Reach Jacki

Visit the new Divorce Rich Podcast page on Jacki's website to learn more about Jacki's practice and to find valuable resources for your case.  Divorce Rich - Roessler Divorce Consulting.

If you wish to schedule a free 30-minute initial consultation, you can reach Jacki at Roessler Divorce Consulting.

DIVORCE RICH PODCAST SPONSORS

Center for Financial Planning

The Divorce Rich podcast is proudly sponsored by Center for Financial Planning: Striving to Improve Lives through Financial Planning Done Right! https://www.centerfinplan.com/

DAWN
Divorce Attorneys for Women: Michigan's Original Divorce Attorneys for Michigan.  DAWN - Michigan's Original Divorce Attorneys for Women

Send us Fan Mail

The economic landscape is shifting. With potential downturns and job insecurity looming, knowing exactly when and how to modify child support becomes more than just useful information—it's financial protection.  This candid conversation with family law attorney Jorin Rubin of https://rubinframpton.com/jorin-g-rubin/ reveals the hidden mechanisms behind child support modifications that every divorced or separating parent should understand.

What makes this discussion particularly valuable is the exploration of complex scenarios rarely addressed in standard divorce guidance. For self-employed parents, those standard business deductions that keep the IRS satisfied won't shield your income from support calculations. Regular financial gifts from family members might count toward your support obligation. Even that inheritance you received after divorce could impact calculations if you're drawing income from it.

To find Jorin on Social Media; 

• https://www.instagram.com/tipsdivorceattorney/
• https://www.tiktok.com/@jayattorney

To schedule an intro free consultation with Jacki, click the link below 

https://calendly.com/roessler-jacki/30min?month=2024-03

How to Reach Jacki

Visit the new Divorce Rich Podcast page on Jacki's website to learn more about Jacki's practice and to find valuable resources for your case.  Divorce Rich - Roessler Divorce Consulting.

If you wish to schedule a free 30-minute initial consultation, you can reach Jacki at Roessler Divorce Consulting.

DIVORCE RICH PODCAST SPONSORS

Center for Financial Planning

The Divorce Rich podcast is proudly sponsored by Center for Financial Planning: Striving to Improve Lives through Financial Planning Done Right! https://www.centerfinplan.com/

DAWN
Divorce Attorneys for Women: Michigan's Original Divorce Attorneys for Michigan.  DAWN - Michigan's Original Divorce Attorneys for Women