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Temecula Valley Divorce Financial Analyst
Hi, everyone. Well, you know what we’re past the holiday season. But that doesn’t mean that the new year is bringing joy for everyone. Sadly, there’s a very, very high divorce rate in America right now. And I’m pleased to have the expertise and support here today from a dear friend of mine, Kimberly Surber she serves as a divorce financial planner. And Kim has helped a number of my friends out during these tough times and can offer up some great advice. First of all, Kim, tell me what, what you do as a divorce financial planner.
So a divorce financial planner. Again, we’re kind of looking You know, your entire financial life, but we’re looking at it through the lens of the whole divorce process. So what are your assets and debts? What are up for division? You know, what are your income expenses? You know, how is the support going to be calculated Child Support spousal support in the different settlement options? How does that look for somebody? Is it successful for one year, but in three years, you’re in trouble? Because if that’s the case, then you know, I’m going to send them back and go, this is not a good settlement for you. Is it you know, what are the tax ramifications of the different things that are happening in the divorce process? So these are all things that I’m going to be looking at for people.
I can’t even imagine the line of work, you’re in it. It’s got to be tough. I do know that you’ve been doing some workshops to help people tell us a A little bit about these workshops.
So it’s called the second Saturday divorce workshop. And the one I run is for women only. There are a number of others in the community that are for men and women. So there are definitely these workshops around for everyone. But we have, it’s just great to provide information and for women to come and learn. There’s an attorney who speaks a mediator, because if your divorce can be mediated, it’s, it’s a nicer process, and it’s cost a lot less money. So, Nikki Baker is our mediator. She’s great. And then there’s a grief counselor, and there’s me as the financial planner, and we even have a real estate agent and a mortgage lender, there to answer questions because frequently people have to buy and sell homes in the divorce process, right? So you know, just being able to come And ask any question, you know, of the of these people who are the core people you’re probably going to be using in your divorce.
Right, right. But that’s what I said there’s a whole team there with multiple resources that someone would need. What’s, how’s this different from a regular financial advisor? Who would say, Well, you know, I can help with your divorce what, what differentiates you with what you provide,
number one, a regular financial advisor of which I am, but what when I am working as a divorce financial planner, it really is different. I’m not looking at it as a regular financial planning process. I actually have legal software that I use. And so it really is all from the angle of the divorce process. You know, I have completely different reports that I’m doing for people when I’m doing divorce, financial planning. We’re doing division of community property reports. There’s a budget report showing support payments and, you know, what are all your expenses? Maybe now and after the divorce, you know, we’re looking both because frequently, things will change. And, you know, mid process in the settlements, what’s it look like, you know, with your income and your support and what have you, less all your expenses, less taxes, what’s your bottom line? Are you going to be okay? I mean, because we need to know that, you know, there are lots of different ways to to come to a settlement. And we just need to figure out a way that works for both parties.
Well, I think in the role you’re in, someone has to have a heart to serve. And definitely, you know, I’ve picked up on that as we’ve become friends and our friendship has evolved over the years. How else can can you help people find? You know, what else can they do to to help themselves during this period?
Learn as much as you can about the process. I encourage people to come to the workshop, and they there are support groups in our community. It’s called divorce care. Okay? frequently, they’re in the churches and things, but they’re very inexpensive. And it’s a great way to just get support. You can Google divorce care, and there’s probably four or five of them in our community that will come up, but people just need to know they’re not alone. Yeah, you know, there are people going through the same thing that they are, they have the same feelings and the same questions and it’s like, just come be part of a community, you know, so that, you know, you’re not alone. You can have friends that are, you know, going through the same thing and I think that’s really helpful. This is not a time to go into It’s a really tough time. Temecula Valley Divorce Financial Analyst
Yeah, I can’t even imagine. Is there anything else any final piece of advice or any final words you’d like to share with our audience today?
Divorce is really, really hard. And in the divorce process, ignorance is not bliss. I mean, you can really get yourself into trouble simply by not knowing what you should know. And people just don’t know. So seek out help. You know, I’m, I offer a free one hour consultation for people so that, you know, they can get to know me, I can get to know them, and I can tell them how I can help them. And if I’m not the person for them, I will tell them who they need to this so that you know their money is going in the most efficient place.
Yeah. You had said something one day that really resonated, it was something about growing, what was that?
You can go through a divorce or you can go 34 Oh my gosh,
that that is wonderful. And the beautiful thing is, as I’ve seen you blossom. I’ve seen clients of mine where unfortunately, I’ve been asked to sell their home when they’re going through it. And then when I’ve been able to witness them on the other end, and both have survived, and both have grown from it, and both are really good people. I just I love that saying from you, thank you.
You’re welcome. It’s like I grew and I want to help others do the same. Yeah, yeah. There is a life there’s a my friend always says there’s to life. 2.0 on the other side. Yeah.
Yeah. Well, you certainly are a tremendous asset to our community. And it’s a pleasure having this opportunity to interview you today. And thank you and we’re going to flash on your information at the end of this so that people know how to reach out to you. If they need your resources and your kind support.
That would be awesome. Thank you.
Temecula Valley Divorce Financial Analyst
