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Problem: Divorce can leave you with a 'pit in your stomach' every day, thinking about how much your standard of living will potentially drop. If that weren't enough you immediately become concerned about the wellbeing of your children, worrying if you will have enough money to support them even if you do get child support. And what about settling all of the investments accounts, retirement accounts and real estate owned together? Yikes! Oh yes, then the big question: "Will I get alimony?" Solution: Not to worry. As a trained divorce financial expert, Dr. Judith can support and guide you through this maze of questions and answers that even the finest divorce attorney may not be qualified to do. Because Dr. Judith is a Certified Divorce Financial Analyst, you can get all these financial issues resolved prior to negotiating your divorce settlement. You'll be in better control of your future and better prepared for discussions with your attorney, who often simply relies on software formulas to tell you how much money you and your children will receive. Since you deserve the best, let Dr. Judith show you how to be in charge of your divorce. Don't settle for less. Back to top » Widowhood - Picking up the Money Pieces Problem: Becoming a widow, whether you knew it was coming or not, is absolutely devastating in so many ways. One of the most critical and cruel repercussions is financial. It's not enough that you suffer an enormous loss, but you are now responsible for all the finances, something that perhaps you were never involved in or prepared for. And now, you may not be in the right state of mind to cope with the financial issues. Solution: Dr. Judith shows you how to be responsible for yourself (and your children, if they are still minors) by addressing this potential loss. She gives you simple to follow established guidelines and shows you how to organize your investments, retirement accounts, property, life insurance, health insurance, social security, credit card debt and bank accounts. As a respected financial advisor, Dr. Judith understands what is needed and knows what you need to do, while you are in control of your emotions. Relying on a family member, friend or professional, especially after becoming a widow, is not always wise. While a personal friend or family member may have the best intentions, they can make costly mistakes that haunt you later. Minimize your suffering and anguish, and take charge now. Back to top » Caregivers - Money Advice to Caregivers Problem: Caregivers are everywhere. Most people don't recognize them because they don't wear 'caregiver' labels or describe themselves as such. Caregivers tend to discount their needs for the often time-consuming, health straining and mentally challenging duties given to the loved one in need of care. If you're a caregiver, you perform with no visible reward or acknowledgment, frequently leaving your needs last. And sadly you often don't know what to do about certain critical aspects of care giving you may be unfamiliar with, such as money or financial issues. This leaves a painful void for everyone. Solution: Besides supporting a caregiver emotionally, Dr. Judith, a Certified Financial Planner, shares with the caregiver advice on how to avoid sacrificing his or her own financial resources unnecessarily. She guides the caregiver in how to correctly preserve the finances and estate of the loved one being given care. If you're a caregiver, Dr. Judith supports you with financial insights, tools, advice and a clear focus of what needs to be done so everyone wins. Although the solution is unique for each person, you should be aware of certain general rules that can help you be more successful in caring for those you love. Be sure you know these rules. Back to top » Retirement - Avoid a Retirement Financial Wipe-out Problem: Most people devote more time to planning a vacation than to planning anything toward retirement. According to a recent survey, only 39 percent of us attempt to calculate how much money we'll need to save for retirement. Most of us live day-to-day just trying to pay our bills. The majority live pay-check to pay-check with little thought about how much money needed for retirement. What's more, our life expectancy has increased and the number of years that people are expected to live during retirement has gone from 2 years to 30-35 years. The big worry question is "How do I maintain my lifestyle and not run out of money?" Solution: Having enough money to maintain your lifestyle during retirement is not a mystery when you work with Dr. Judith. She helps you navigate the maze of necessary expenditures you'll face as you age, as well as sound investment advice to monitor your financial resources through your retirement years. Don't be left alone without a clue of how to maintain your lifestyle. Let Dr. Judith help you plan and enjoy a well earned extended retirement. Back to top » Next Career - A New Career and Your Money Problem: Admit it, a career change can be a stressful and challenging life event, even if you created the career shift yourself. Depending on your new course in life, you can face a slew of expected and unexpected financial issues. For many, negative chatter starts denouncing our abilities and discounting our worth, which questions the integrity of our decisions. With all of this confusion, sometimes we ignore critical financial issues until a crisis arises. Solution: Avoid the financial apprehension and let Dr. Judith support you in making the important career and financial transitions in a manner that helps you make your decision smart as possible. Dr. Judith anticipates what you might overlook and clarifies the steps to make good financial decisions to empower yourself and your future. Back to top »
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