Women2Women - Summer 2018 - 17

Don't be house poor. Many divorcing
spouses want to keep their homes for
emotional reasons and to provide stability
for the kids. But maintaining a house
also means mortgage, tax and upkeep
expenses. Make sure you put real thought
into how any proposed settlement will
affect your finances five, ten and twenty
years down the line. Can you afford to keep
the house, or will the upkeep and taxes be
too much? Perhaps more retirement assets
would be better.
$ Many people who receive spousal or child support rely on that
money for daily necessities. It is important to make sure those
payments keep coming. What would happen if your ex-spouse
died or was disabled? Taking out a life or disability insurance
policy on your ex may be a prudent step in ensuring that your
future is secured. Make sure that you own the insurance policy
to give yourself the most protection.

$ NEW LAW: For any divorce or separation agreement executed after

Dec. 31, 2018, or executed before that date but modified after it
(if the modification expressly provides that the new amendments
apply), alimony and separate maintenance payments are not
deductible by the payor spouse and are not included in the income
of the payee spouse. This is HUGE. Deductible alimony is often
used as a negotiation tool in the divorce process. However, if the
divorce is not settled by December 31, 2018, the deductibility
of those payments is in jeopardy.

The role of a CDFA is to make sure clients and their lawyers fully
understand how the financial decisions they make today will impact
their financial future - analyze a settlement proposal before the
client signs an agreement that he/she may later regret.

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