Financially Ever After Widowhood

By Stacy Francis

Widowhood is the state of being a widow or widower: a person whose spouse has passed away. This is a situation that no one wants to be in, but it is something that can happen, and that you and your fa... more

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FAQs about Financially Ever After Widowhood:

How many episodes does Financially Ever After Widowhood have?

The podcast currently has 208 episodes available.

Financially Ever After Widowhood episodes:

May 03, 2022Uncovering Hidden Assets
James Guberman is partner and founder of Guberman Advisors, an advisory firm helping clients to understand the financial consequences of the decisions they face during their lives, including divorce. James is also a Certified Financial Analyst (CFA) and Certified Divorce Financial Analyst (CDFA). He is a board member of Savvy Ladies, a nonprofit passionate about bringing financial planning education to women. He educates listeners about the nature of hidden assets - why they’re not really “hidden,” and how to uncover them.
If you know how to read bank and brokerage account statements, most things are not hidden. The only truly hidden things are those that don’t go institutional, like cash exchanges and purchases - there’s no paper trail associated with them because hardly anyone bothers to take receipts anymore.
Hiding an asset greatly overlaps with fraud, and as with fraud, there must be a motivation and an opportunity to do it. In divorce, that motivation is the breakdown of the relationship - one partner can see things may end, so they want to take certain things off the table to ensure they won’t have to share them.
It’s important to not take your spouse’s word as gospel when they tell you about the value of their assets, especially if it’s a business. It’s better to talk to a business valuation expert to double check.
Developing your financial reading skills is the critical first step to discovering hidden assets. You have to replace your partner’s skill set in financial literacy with someone you can trust, and what better person than yourself?

Resources
James Guberman on LinkedIn
Email: [email protected]
Phone: (646) 906-5194
Guberman Advisors

Stacy Francis on LinkedIn | Twitter
Email: [email protected]
FrancisFinancial.com

Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
...more
40min
April 19, 2022[Replay] Divorcing the Narcissist
We’re bringing back a popular episode from last year where Stacy Francis interviews Lisa Zeiderman about divorcing a narcissist.

Lisa Zeiderman is Managing Partner at Miller Zeiderman, one of the leading matrimonial firms in New York and the tri-state area. She is also a certified Divorce Financial Analyst and has been recognized by the American Institute of Family Law Attorneys as one of the 10 Best Family Law Attorneys for Client Satisfaction. She joins Stacy Francis to share everything you need to know about divorcing a narcissist.
Some traits that may indicate that your partner is a narcissist include: charm and charisma, proficiency in manipulating situations to suit their benefit, lying, and a lack of empathy.
People married to narcissists usually have volatile relationships that are more prone to being emotionally abusive. Divorce is already a challenging process, and it is even more so when a divorcee is afraid of their partner.
If you suspect your partner may be a narcissist, and you want to divorce them, you need to collect information and be as informed as possible. This will help you prepare for the process as much as you can.
A strong attorney who will advocate for you is a key component to successfully divorcing a narcissist because oftentimes a narcissist will use mediation as a form of control.

Resources
Lisa Zeiderman on LinkedIn
Email: [email protected]
Contact Lisa at +914-455-1000
LisaZeiderman.com
Divorcing a Narcissist on Psychology Today https://www.psychologytoday.com/us/blog/legal-matters/201906/divorcing-narcissist-be-prepared

Stacy Francis on LinkedIn | Twitter
Email: [email protected]
FrancisFinancial.com

Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
...more
35min
April 05, 2022Becoming Financially Savvy
In this episode, Stacy Francis joins the Healing Broken Families Podcast for a crossover interview. She shares how to create empowering strategies for financial planning and wealth management before, during, and after divorce. She explores becoming financially savvy and taking a step closer to financial mastery.
Divorce incurs both short-term and long-term expenses. Most people don’t focus much on the long-term expenses, but they are arguably the more debilitating, especially for women, whose ability to rebound financially is less than their male counterparts.
Some women going through divorce prefer to keep their marital home for a variety of reasons, some of which include maintaining stability and keeping expenses low. However, this decision often works against them, as they would have to give their spouse an asset(s) of equal value.
In high net worth divorces, it is imperative that each party understands each account and what the tax implications of them are; they must not only look at what’s on their net worth statement, but also what it will look like after taxes.
The most successful clients of Francis Financial are the ones who have a team of their matrimonial attorney, financial coaches, and therapists. They are better equipped to work effectively with their attorneys and deal with difficult spouses.

Resources
Barbara La Pointe on LinkedIn | Twitter
Barbara La Pointe.com
Healing Broken Families Podcast
Mint.com

Stacy Francis on LinkedIn | Twitter
Email: [email protected]
FrancisFinancial.com

Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
...more
37min
March 22, 2022Generating Income while Balancing Family Responsibilities
Tiffani Higgins is owner and CPA at Stay at Home Bookkeeper Academy, where she proves you can succeed being a stay-at-home parent and generate income to live your life to the fullest, without sacrificing family time. She is also the owner of Missouri Cannabis CPA, a firm specializing in government regulations for companies in the cannabis industry. Tiffani teaches listeners what their options are for elevating their career while being a stay-at-home parent. She shares the biggest business mistakes that hold back women from being successful, and the tools they need to overcome them. She also gives tips for starting your own business.
One of the biggest challenges for listeners is juggling their desire for a career to provide for their family after a divorce, with the demands of corporate America, and their domestic responsibilities.
Stay at Home Bookkeeper Academy essentially helps clients launch their own businesses. They assist with all aspects of business ownership, including how to market yourself in ways that are comfortable.
Being an entrepreneur, consultant, or any type of worker that operates freelance, part-time or on contract falls under the ‘gig economy,’ which has seen astounding growth in recent times. As of 2021, roughly 1 in 10 people use online platforms for the gig economy.
The great thing about having a bookkeeping business is that you can make it a side gig, or you can scale it up to your heart’s desire. This allows parents more flexibility for their working hours.

Resources
Tiffani Higgins on LinkedIn | Have Your Cake and Eat It Too | Facebook
TiffaniHiggins.com
The Stay At Home Bookkeeper

Stacy Francis on LinkedIn | Twitter
Email: [email protected]
FrancisFinancial.com

Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
...more
30min
March 08, 2022Regulating Your Emotions Around Money
Nathan Astle is founder of Relational Money, an organization that specializes in helping people deal with issues related to their emotional difficulties with money, as well as helping couples experiencing financial conflict. He is a licensed Marriage and Family Therapist, as well as a Certified Financial Therapist. Nathan is a member of the board of directors of the Financial Therapy Association, and has been featured on CNBC and USA Today. He explains the role of a Certified Financial Therapist, and educates listeners on how to regain power over their lives after a financially abusive relationship. He also shares a resource to help listeners regulate their emotions, particularly around money.
Money has different meanings for different people: it can be a necessary evil that enables them to live the life they want, a representation of security and safety, and a way to assert dominance and influence over a person.
The way you were raised has a significant impact on the way you experience money. How your parents treated wealth and wealthy people, the explicit messages you were taught about money, and what went unsaid, all played a part in shaping your perception of money.
Emotional regulation becomes a challenge when people are going through traumatic experiences, because they often respond to situations in ways that best guarantee their survival.
Focusing on your senses can help you control your emotions. When you feel yourself slipping, pay attention to the texture of something near you; it’s a helpful tool for recentering yourself in the moment.

Resources
Nathan Astle on LinkedIn

Stacy Francis on LinkedIn | Twitter
Email: [email protected]
FrancisFinancial.com

Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
...more
39min
February 22, 2022Overcoming Financial Infidelity
T.H. Irwin and Jessica Klingbaum were divorced at the same time and had only each other to rely on for support. Now, through exEXPERTS, they help other women at every stage in the divorce journey, whether they are only just considering it, and even after. They use their experience to teach women everything they wished they knew, and provide them with the assistance they need. T.H. and Jessica share insights about their community, and the important role money played in their divorces.
After her divorce, T.H. ensured that her expenses could be covered by child support to create a financial cushion. In the case of any emergency or unexpected circumstance, she would then have the finances to take care of it.
It is imperative that women develop financial skills to support themselves after divorce, because they typically cannot rebound as quickly as their ex-husbands can; especially if their ex-husbands were the primary breadwinners.
Jessica needed to hire a forensic accountant to discover the money her husband was hiding. Many women are often victims of financial infidelity in their marriage, which occurs when their partners hide information about their finances.
Self-love is all about moving forward. If you feel stuck you need to look within yourself for a way to help yourself; the power to change your circumstances lies in your decisions.

Resources
T.H. Irwin on LinkedIn

Jessica Klingbaum on LinkedIn
exEXPERTS.com

Stacy Francis on LinkedIn | Twitter
Email: [email protected]
FrancisFinancial.com

Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
...more
43min
February 08, 2022Everything You Should Know About High Net Worth Divorce
Lisa Zeiderman is Managing Partner at Miller Zeiderman LLP, and an official member of Forbes Business Council. She specializes in complex financial and custody divorce matters for high-net-worth individuals. In 2020, Lisa was named a 10 Best Family Law Attorney for Client Satisfaction by the American Institute of Family Law Attorneys. She is a Certified Divorce Financial Analyst, a Certified Financial Litigator, and teaches other matrimonial attorneys how to deal with complex assets in divorce. In this episode, she talks with Stacy Francis to give listeners a crash course about high net worth divorce.
Before high net worth individuals start the divorce process, they must understand whether their income is coming into their household from employment or investments. Then, their monthly burn rate must be taken into account.
A forensic accountant is sometimes brought in to appraise a business, if a party of a high net worth divorce is a business owner. They will examine the books, general ledgers, and expenses; they may also conduct income stream analysis.
When looking for a matrimonial attorney for your high net worth divorce, you should ensure that the person you’re consulting with is going to be part of your case to minimize legal fees.
Going into a high net worth divorce is like going for a heart surgery: you don’t have to know how to do the surgery, but you have to know a great heart surgeon. Ideally, your team should consist of a great matrimonial attorney and a great Certified Divorce Financial Analyst.

Resources
Lisa Zeiderman on LinkedIn
Email: [email protected]
LisaZeiderman.com
SavvyLadies.org
Contemplating Divorce During Bonus, Equity Award Season

Stacy Francis on LinkedIn | Twitter
Email: [email protected]
FrancisFinancial.com

Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
...more
44min
January 25, 2022Cross-Post from Divorce Etc: Protecting Your Assets
In this crossover episode, you'll get to hear Stacy Francis when joined the hosts at DIVORCE etc… to talk about the best ways to protect your wealth during divorce, how to decide who gets what, and what your biggest asset actually is.
The biggest asset you have is your earning capability, which is even larger than the value of your home. Whether or not you have wealth to inherit does not impede your ability to earn ongoing income. Additionally, it’s the asset that women have most control over.
Some things you can do to protect your nest egg are: ensure you have car insurance in your name, the right homeowner’s insurance, and insurance for your engagement ring if you decide to keep it. You can also sell your engagement ring and invest it, since the money it was bought with was premarital.
It’s very rare that we have good financial surprises. An emergency fund is a powerful tool all women should have; it protects your overall financial stability because there will always be things you don’t plan for.
Similar to a candle, you should never leave a credit card unmonitored. During a divorce, ensure that the credit card you use is in your name, and that you pay it off at the end of the month.

Resources
DIVORCE etc…

Stacy Francis on LinkedIn | Twitter
Email: [email protected]
FrancisFinancial.com

Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
...more
22min
January 11, 2022Navigating the Demands of Life and Starting 2022 in Balance
Dr. Randy Heller is a marriage and family therapist, collaborative mental health professional, and Adjunct Professor at Nova Southeastern University. She founded The Family Network, Inc., a comprehensive counseling center providing individual, couple, family, and group services to children, adolescents, and adults. In this episode, she talks with Stacy Francis about navigating the demands of life and starting the new year in balance and shares an action plan to make 2022 your best year.
Thanksgiving to Christmas is typically a period of fear and uncertainty for families going through divorce. Many women experience fear of the unknown; they wonder if they will be alone forever and whether they can manage being on their own.
You need to give yourself permission to be the best you can, rather than being perfect. If you allow yourself a day or two where you don’t hold yourself to the ideal you, you can take that time to rest and recharge so you can resume meeting your personal expectations.
When you find yourself in massive internal chaos, stop for a moment to just breathe. If you can breathe easily, then you can think about your next step. Like yoga, if you’re not focused on what you’re doing at the moment, you’re going to fall.
Worrying about all the ‘shoulds’ will only prevent you from actually doing things. Instead, pay attention to the things you can manage today, and celebrate those accomplishments. The rest can be done tomorrow.

Resources
Dr. Randy Heller on LinkedIn
FamilyNetworkFlorida.com

Stacy Francis on LinkedIn | Twitter
Email: [email protected]
FrancisFinancial.com

Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
...more
35min
December 21, 2021My Partner Has Compulsive Gambling: Signs, Symptoms, and How to Protect Your Finances
Karen’s former husband had been struggling with a gambling addiction for over 20 years. Lynn’s ex-husband’s gambling addiction pervaded the last seven years of their almost 20-year long marriage. Karen and Lynn share their stories of being married to people who developed gambling addictions, how that upended their finances and sense of self, and how they found help. They share insights about compulsive gambling and how to recognize it, what resources are available for assistance, and how to protect yourself and your family.
According to national studies, as many as 10 million Americans struggle with compulsive gambling. Even more disturbing is the fact that older adults aren’t the only ones; in fact, one in 20 college students meet the criteria for compulsive gambling, which is double the rate of the overall adult population.
Being divisive about shared resources actually helps partners of gambling addicts to financially isolate themselves from their partners’ gambling debts.
Love and trust are two different things; you can love your partner and still not trust them with your finances. People often shy away from taking steps to protect themselves because they believe a lack of trust shows a lack of love.
Symptoms of compulsive gambling include lying, manipulation, blaming, rationalization, and fantasizing. You cannot have a rational marital conversation about money with a compulsive gambler because they only care about getting money for the next bet.

Resources

GAM-ANON.ORG (international self-help group for friends and family members of compulsive gamblers. Lists of meetings, literature, etc.)
GAMBLERSANONYMOUS.ORG (international self-help group for compulsive gamblers. Lists of meetings and information are at this website)
GAMBLERS ANONYMOUS HOTLINE FOR New York: 855-2CALLGA (855-222-5542)
The National Council on Problem Gambling HELPLINE 800-522-4700
Our local hotline for our Gam-Anon group 716-800-1426

Stacy Francis on LinkedIn | Twitter
Email: [email protected]
FrancisFinancial.com

Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
...more
51min

FAQs about Financially Ever After Widowhood:

How many episodes does Financially Ever After Widowhood have?

The podcast currently has 208 episodes available.

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