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    Kids & Family

    Financially Ever After Widowhood

    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 family should be prepared for financially. When this kind of painful, life altering event occurs, it’s important to have the structure in place for you and your family to be protected, and this year on Financially Ever After Widowhood, Stacy Francis is going to be talking to a diverse lineup of experts, and individuals who have gone through it themselves, to give you the tools and information you need to be prepared.

    Prior to this year’s series on Widowhood, Financially Ever After covered topics related to divorce. We invite you to check out these fantastic episodes if they are relevant to you.

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    Latest Episodes:
    Long-Term Financial Security begins by Advocating for Yourself Aug 09, 2022
    Show notes

    Laura Terrell is an executive coach with over 25 years experience working with high-achieving professionals. She helps her clients build wealth and tap into a mindset that will help them achieve more financial success personally and in their professional lives. Laura shares common pitfalls to avoid, and three questions to consider that will put you on the path to long-term financial security.


    • People are often nervous about acknowledging that money is very important to them in a professional role. Money is almost like a taboo subject, as it’s something people tend to avoid talking about.
    • Money is about your values, your priorities, and your goals in life. Some of these things help drive the finances, but they don’t depend on being able to do advanced calculus.
    • It’s important to learn to be your own advocate. Advocating for the compensation you deserve can be daunting, but it’s imperative that you don’t negotiate against yourself and toss a number that’s too low.
    • Households with a female breadwinner are often subjected to societal pressures - people sometimes believe something is wrong when a man is not providing for his family.


    Resources

    Laura Terrell on LinkedIn | Twitter

    Email: laura@lauraterrell.com

    LauraTerrell.com

    Free Discovery Call


    Stacy Francis on LinkedIn | Twitter

    Email: stacy@francisfinancial.com

    FrancisFinancial.com


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


    Extracting Yourself From Financial Abuse Jul 26, 2022
    Show notes

    Genevieve Anderson is an investing and financial wellness coach dedicated to helping people take control of their finances. She teaches them how to invest, build wealth, and create healthy money habits through a 12-step recovery process. Genevieve uses her own experience to identify key signs of financial abuse and how to move forward healthily. She shares resources listeners can use to protect themselves and their family, and put them on the path to long term financial security.


    • If you don’t have a lot of assets, it might be easier to go to your local bank or credit union and ask for help in doing simple processes like creating a budget or paying down debt. On the flip side, if you have a lot of assets, it’s really easy to find a wonderful financial advisor to help you navigate your financial journey.
    • Signs like being given a strict allowance and spending limits, threats of cutting off financial support, limiting access to money, and even not being able to pursue a career may not feel significant, but the longer it happens, the more they compound.
    • Society has a tendency to shame women when they get hurt and scammed by men. It’s important to remember that it’s not your fault, it’s not embarrassing, and it happens to more people than we realize.
    • It’s helpful to talk to a counselor or therapist about serious concerns in your relationship - a third party and professional can tell you whether your partner is exhibiting normal behavior or not.


    Resources

    Genevieve Anderson on Instagram

    Email: gen@holisticpersonal.finance.com

    HolisticPersonalFinance.com


    Stacy Francis on LinkedIn | Twitter

    Email: stacy@francisfinancial.com

    FrancisFinancial.com


    Taking Agency Over Your Destiny Jul 12, 2022
    Show notes

    Kathryn Ford is an award-winning celebrity coach and consultant, and the founder and CEO of Excellence Institute, the premier community for sophisticated, extraordinary women. She is also an Amazon best-selling author specializing in helping high-achieving women live with an abundance of health, wealth and love. Kathryn is a Los Angeles Business Journal nominee for Woman of the Year, and has been named ‘One of the top female entrepreneurs disrupting the business world' by Entrepreneur Magazine. She shares how she turned trauma and tragedy into inspiration, and how listeners can do the same in their own lives.


    • We all have an inner pharmacy within us. When we are happy and thriving, that pharmacy kicks out sparkling, beautiful chemicals that bathe every cell in a “fountain of youth,” which helps us maintain our youthfulness - not just in appearance, but in every organ as well.
    • Your personal passion prescription is a blueprint for where you’re headed. To develop it, you must ask yourself the most important question: what would you love?
    • The most important real estate you will ever manage is your mind. When you learn to manage your mind, you can create whatever you would love.
    • As women, when you are in your “divine feminine” or the receiving mode, your awareness is opened, and you are able to see that there are other ways and opportunities for increasing your wealth.


    Resources

    Kathryn Ford on LinkedIn

    Email: kathryn@excellenceinstitute.com

    KathrynFord.com | ExcellenceInstitute.com

    Be Well! A 7-Step System for Radical Healing


    Three Men, Six Lives

    When You Realize How Perfect Everything Is

    No Endings, Only Beginnings


    Stacy Francis on LinkedIn | Twitter

    Email: stacy@francisfinancial.com

    FrancisFinancial.com


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


    Developing the Right Money Habitudes Jun 28, 2022
    Show notes

    Syble Solomon is the creator of Money Habitudes, a financial tool that helps people understand the psychology of money and make wiser financial decisions. She is a member of the Financial Therapy Association and a pioneer in looking at the intersection between money and emotions. Syble shares insights on what motivates financial decisions, and the deep-rooted and complex feelings we often have towards money. She talks about Money Habitudes, and the six different patterns you need to know to emerge from the divorce process in a financially sound place.


    • Money Habitudes is a self-assessment game that helps players become aware of their habits and attitudes towards money. There are six habitudes that any one person may possess, but people usually have one pattern they follow the most.
    • Most people get so caught up in the conflict their differences create that they don’t realize those differences balance each other out.
    • Our first relationship with money is developed based on the messages we pick up from our parents. We inherit these messages, which influences the way we view money and make financial decisions.
    • One thing you must learn to do is communicate when you are angry, in a way that meets your needs rather than just letting the anger out.


    Resources

    Syble Solomon on LinkedIn

    MoneyHabitudes.com - Cards | Online


    Stacy Francis on LinkedIn | Twitter

    Email: stacy@francisfinancial.com

    FrancisFinancial.com


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


    One Home to Two: What Are Your Real Estate Options During Divorce Jun 14, 2022
    Show notes

    Seth Feinman is a 15-year veteran in the mortgage industry. His current role is Vice President of Silver Fin Capital, where he manages the licensed loan origination team. He is most proud of working one-on-one with clients to find the best loan product based on their unique situations. Mark D. Friedman is an award-winning real estate broker at Brown Harris Stevens and also represents buyers and sellers in Manhattan real estate as the co-founder of the Friedman-Rosenthal team. Seth and Mark share with listeners how they can have lenders fight for their business. They talk about interest rates and how to win the property.


    • When divorce happens, one party may potentially need to keep the home and refinance, and the other is going to be moving out and potentially buying.
    • Self-employed borrowers need to work with mortgage brokers as opposed to mortgage bankers - it affords them more options and different ways to structure their loan.
    • You have to be smart about who you hire as a mortgage broker, and ensure that you do research yourself as well.
    • People who work in banks will act in the interest of their employers, and in order to keep them happy they will sell clients whatever product their lender has available, which may or may not be what works best for the client.


    Resources

    Seth Feinman on LinkedIn

    Silver Fin Capital Group


    Mark D. Friedman on the Web | LinkedIn | Twitter


    Stacy Francis on LinkedIn | Twitter

    Email: stacy@francisfinancial.com

    FrancisFinancial.com


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


    Closing the Gap between Financial Analysis and Legal Requirements May 31, 2022
    Show notes

    Karen Chellew and Catherine Shanahan are the founders of My Divorce Solution, a divorce preparation platform team that includes a Certified Divorce Financial Analyst (CDFA) and Legal Liaison (LL). Having both experienced divorce, they combined their professional experiences in the financial and legal world to develop the MDS Financial Portrait™, which endeavors to erase the confusion and frustration you have been facing during the divorce process. Karen and Catherine share insights about their services - they talk about how they build each client’s Portrait, how their process works, and how they help clients move on.


    • During the divorce process, there is often a gap between financial analysis and legal requirements. Financials mostly focus on data, which is only helpful in litigation and in processing a divorce if you have the documentation to support it.
    • Not knowing what you have, what you need, what you want, and what your options are is a detriment to yourself - you can’t make smart decisions if you don’t have the proper information.
    • My Divorce Solution prides themselves on their symmetry in documentation - they have flowing communication with every professional involved in their client’s divorce process, and share information so that things progress smoothly without any confusion,
    • Divorce does not define who you are. It is a chapter in your story, and you get to define who you are moving forward.


    Resources

    Karen Chellew on LinkedIn

    Catherine Shanahan on LinkedIn

    Phone: +215-486-8347

    Email: hello@mydivorcesolution.com

    My Divorce Solution | Instagram | Twitter | LinkedIn | Facebook | YouTube

    We Chat Divorce Podcast


    Stacy Francis on LinkedIn | Twitter

    Email: stacy@francisfinancial.com

    FrancisFinancial.com


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


    Reversing Downward Spirals May 17, 2022
    Show notes

    Jaime Morgan is a Certified Life Coach who has helped many women going through the divorce process move toward a new life filled with happiness. She brings years of experience to her clients, as well as her personal experiences with a failed marriage and divorce, as she assists them in creating action-oriented plans for life post-divorce. Jaime guides listeners through a three step process they can use to “accept, surrender, and move on.” She shares tips for dispelling “negative Nellies” - unhappy thoughts about yourself and your situation - and turning downward spirals upwards.


    • Accepting your situation begins with looking within. It’s human nature to point fingers when bad things happen to us, but we have no power over the things outside of us - we don’t have control by wanting everything else to change. We only have power over our thoughts, actions, and reactions.
    • Letting go is the result of other actions. It involves creating a new awareness of your thought patterns and saying “it is what it is” when you find yourself dwelling on regrets. It takes constant practice and intention - it’s not going to happen overnight.
    • Meditation helps you organize your thoughts and acknowledge your emotions. By taking a break and simply focusing on your body, you give yourself an opportunity to stop an adverse reaction dead in its tracks.
    • True, authentic confidence occurs when we know our flaws inside out and are willing to do the work to mitigate them. We know who we are and what we need, and we accept it all - we love the good with the bad.


    Resources

    Jaime Morgan on LinkedIn | Facebook | Instagram | Website

    Mobile Phone: +250-212-1739

    Email: connect@jaimemorgan.com

    Join Jaime's Free Facebook group VIP Abundant Life


    Stacy Francis on LinkedIn | Twitter

    Email: stacy@francisfinancial.com

    FrancisFinancial.com


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


    Uncovering Hidden Assets May 03, 2022
    Show notes

    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: james@gubermanadvisors.com

    Phone: (646) 906-5194

    Guberman Advisors


    Stacy Francis on LinkedIn | Twitter

    Email: stacy@francisfinancial.com

    FrancisFinancial.com


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


    [Replay] Divorcing the Narcissist Apr 19, 2022
    Show notes

    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: lz@mzw-law.com

    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: stacy@francisfinancial.com

    FrancisFinancial.com


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


    Becoming Financially Savvy Apr 05, 2022
    Show notes

    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: stacy@francisfinancial.com

    FrancisFinancial.com


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


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