FAMILY COUNSELING &
|Posted on April 8, 2022 at 8:15 PM||comments (413)|
One of the most delicate aspects of getting divorced is breaking the news to your children. This is a very important event, as it is your first opportunity to set the tone for how your children will experience your separation. The explicit and implicit messages that you convey at this time are critical to your children’s emotional well-being and their future relationship with both their parents. Here is what I suggest:
Create a United Front – Agree upon a unified “divorce story” with your spouse and tell your children together about the decision to separate. Deliberate beforehand and choose your words carefully. Keep the narrative as honest as possible, while at the same time protecting them from too much detail or hurtful information. For example, “Mommy and Daddy want to stop fighting so much” or “We think we can be happier people and better parents if we live in separate houses” are two explanations.
Let them know attempts have been made to preserve the relationship. Emphasize that they are not to blame, and that they did not cause the divorce or conflict. And tell them there is nothing they can do to prevent the divorce or to get you back together.
Reassure them that you two are still working together for their overall well-being. Convey to them that you are still a cohesive parenting unit. Set the stage so your children don’t start playing one parent off the other. Don’t create a situation that will undermine one parent’s authority and make it more difficult to co-parent in the future.
Manage Your Feelings – It is important not to expose them to, or saddle them with, the feelings of turmoil, anger, pain, betrayal, abandonment, and anxiety that you might be experiencing. Explain that both parents have made the decision to divorce. Assigning blame to one parent will actually harm your children. While it may feel cathartic to demonize your spouse for breaking up the family, forcing your children to judge or choose sides takes a toll on their well-being. Allow your children to continue loving the other parent without having to feel disloyal to either of you. Otherwise, your children will feel they need to choose sides, thereby creating either an uncomfortable disconnection from, or alignment with, the “bad” parent. The idea that they have “betrayed” one parent can create feelings of anxiety. And identifying with the parent who has been labeled as “bad” can cause self-esteem issues (e.g., “I see myself in Dad. Dad is bad. Therefore, I must be bad too.”;). Reassure them that it is OK to have a relationship with the other parent and that you both will continue to have a close relationship with them.
Address Logistics – A sense of continuity is important to children. Kids will usually want to know how much of their lives will change. Take the time to address the logistics of the separation. What will happen with school? Will they continue to be able to see their friends? What will happen with their room, clothes, and toys? Tell them specifically how they will be maintaining their relationship with both parents (when will they be with you, and when with your spouse). The younger the children, the more helpful it will be to create prominently displayed charts so that they can set their expectations and feel in control of the schedule.
Be Attuned to Their Feelings – Even grown children will need you to be emotionally present to allay their fears and empathize with their concerns. Have this be a foundational moment where you are able to hold and validate your children’s feelings. I have written in detail about how to elicit and respond to your children’s emotions in my therapy blog [click here]. The crux of this skill is to listen, ask a lot of curious questions, and don’t convince your child out of their emotions (even if they are sad and you want to console them). While there is a place for reassurances, also make the time to simply allow them to explore, articulate, and process their feelings.
Follow Their Lead – While I advise that you follow the outline above, ultimately let your children set the pace for what they want to hear and talk about. Some will be relieved, and others will be devastated. Some will be concerned with the logistics, and others caught up in the emotions. Some will want to process this information at length, and others will want to come back and address it in manageable bite-sizes. There is no wrong or right way for the children to react. Your job is to remain responsive to where your child is emotionally and to what your child needs.
Keep the Conflict Away from Your Children - Studies show that divorce, per se, is not harmful to children’s emotional development. The mere fact that parents live in two separate domiciles and don’t see their children daily does not cause irrevocable harm. Rather, it is the prevalent discord between separating parents which exacts a toll on children and creates mental health and behavioral problems. When there is an absence of conflict, children tend to be incredibly resilient to the pain and challenges of divorce. So keep in mind when breaking the news of your divorce that, while your marriage is ending, your responsibility to collaborate with your ex-partner for your children’s well-being persists.
- "Conscious Uncoupling," by Katherine Woodward Thomas
- "Conscious Divorce: Ending Marriage with Integrity," by Susan Allison
- "Cooperative Parenting and Divorce: Shielding Your Child from Conflict," by Susan Boyan
- "Surviving the Breakup: How Children and Parents Cope with Divorce,” by Joan Kelley
|Posted on December 23, 2015 at 6:05 PM||comments (602)|
Divorce can be a difficult time for your children. They may feel anxious, angry or sad. They may feel torn between their parents. They may feel responsible. They may feel that it is in their power to fix things. Or they may feel a total loss of control over maintaining what has been familiar and safe.
The good news is that children are resilient. But a very important ingredient for them to recover is for you to provide them with the time and space to process their emotions around the divorce. The problem is that children are often not “good” at sharing how they feel. And some parents struggle with that same dynamic! Add to that the guilt, sadness, or anger you may be feeling around the divorce, and the conversation may feel challenging indeed.
So the question is: How can help your child become aware of her emotions? And how can you help her be comfortable articulating those feelings to you? How do you develop the capacity to be that one place where your child can let her feelings boil over into the sympathetic embrace of someone who loves her?
During a divorce, one of your most important jobs is to create a safe container into which your child can pour out all of her unexpressed anger, sadness, and frustration. Forging that dynamic with your child is infinitely more helpful than finding her a therapist. Therapy is beneficial when clients experience a safe space to figure out what they are feeling (as opposed to just “thinking”, acknowledge the emotions out loud, and feel them deeply. You, the parent, have the capacity to be the best therapist in the world because you can facilitate such an interaction every day between your child and the person she wants to talk to the most – yourself!
So how exactly do you become your child’s “emotional coach”? This may seem like a daunting project because sometimes it can be difficult to pull thoughts and feelings out of our children:
Parent’s Question: “How was school?” Child’s Answer: “OK.”
Question: “How did you feel about the divorce?” Answer: “I dunno.”
Question: “Would you like to tell me about your boyfriend.” Answer: “Gross! Leave me alone!”
The good news is that emotional coaching is fairly simple and can be boiled down to two simple steps. First, whenever your child talks about something with any energy (e.g., anger, sadness, frustration), be curious. Second, validate their emotions by reflecting back to them what you have heard them say.
The heart of being a good listener is to embrace the notion of being curious. Like a therapist, try not to have a specific agenda. Ask lots of open-ended question – namely, “how, what, and why” questions that elicit answers longer than a ‘yes’ or ‘no’. Keep your child talking and give her your full attention.
Simple, right? The rub is that is often difficult for parents to remain in an empathic, neutral space when the child is exhibiting negative emotions. You are likely to be triggered. You may want to figure out how to make your child’s distress to go away (e.g., “I hate my life!” Or you may get defensive because your child is complaining about something you did (e.g., “You made Dad/Mom go away!” Or you may worry that her attitude is detrimental to her well-being (e.g., “I am so embarrassed that my parents are divorced!)
It can be difficult to hear your child’s pain, anger, or criticism. Stay relaxed. Keep breathing. Listen for vulnerable emotions behind anger and frustration. Resist the impulse to go into problem-solving mode or to defend your actions or convince your child out of her feelings. Look for grains of truth in what is being said and try to understand the issue from your child’s point of view.
Why is listening so important?
First, your child will feel really seen and understood when you ask them questions about events that are important to them. This is a profound reminder to them that they exist and that you care.
Second, think of the dynamic as exercising your child’s emotional muscles. By asking a lot of curious, open-ended questions, you are exploring with your child her inner world. You are training her to discover and work through her emotions.
Question: “What happened?”
Child’s Internal Process: [“Easy. I remember that!”]
Question: “Why did that bother you?”
Child’s Internal Process: [“Hmm…let me explore that feeling…”]
Question: “What would have made you feel better?”
Child’s Internal Process: [“OK, I’m thinking about what I need…”]
This is why I call it emotional coaching. Your child needs to acquire the skill for her healthy development. And your role is essential because emotional intelligence it is not taught at school. We can end up with high school, college, and even graduate degrees without ever learning emotional skills.
Lastly, when you “get it,” reflect back to your child what they just told you (from their point of view). Show them that you understand them. This will give your child the sense that she is fundamentally seen and understood by the most important person in her life – you!
Child: “I wish you two would get back together!”
Parent: “Is our separation hard on you?”
Parent: “In what way is it hard?”
Child: “I don’t like having two houses. I don’t want to go back and forth! I want to see you both every night!”
Parent: “This divorce has made your life harder and means you don’t get to have everyone around at once.”
And what about reacting to what you have heard? Sometimes your child needs your advice. Sometimes your child has the wrong idea about something important. And sometimes you will need to problem solve.
My best advice is to separate your need to respond to the content of your child’s words from the opportunity to elicit the emotional import. Don’t mix the two. Save your response for a later day. Let your child have the experience of being heard (if only for 15 minutes). A parent’s verbal assurances (“You know you can tell me anything") will not be as convincing as a child’s experience of good listening. Let your child know that you are always there to listen and to understand. Let your child experience a safe place for them to pour out their emotions.
Emotional coaching necessitates time and patience. So, when your child talks about anything with any emotional energy behind it, find the time, space and the right attitude. A remember the mantra – be curious, be curious, be curious.
|Posted on June 18, 2015 at 10:56 PM||comments (399)|
Couples often have difficulty mediating their divorce effectively. At this juncture, many of your expectations regarding trust, intimacy, and emotional support have been dashed. You may be mourning the demise of the relationship and anxious about the future. Sometimes, the effects of an affair are still rocking the relationship. And through all of this emotional turmoil, your are expected to keep your children’s best interests in mind, make sound financial decisions, and bridge the gap between you and your soon-to-be ex-partner’s values and sense of what is right, wrong, and fair.
If you have selected the mediation process, you probably have some reason for wanting to avoid the litigation process. You either want to split amicably, continue co-parenting smoothly, or want to avoid the financial and emotional cost of going to court. And, yet, you don’t want to make a deal that you are going to regret and litigate at a later date, or that is going to be the cause of resentment and recrimination as you continue to co-parent.
So, how can you be true to the intensity of your emotions but, at the same time, not perpetuate the discord of your marriage during the mediation process? How do you minimize the discomfort of representing yourself and maximize the likelihood of being satisfied with the final deal? In short, how do you mediate effectively?
Preparation – Negotiate your marital settlement agreement from a fully informed perspective. To prepare adequately, you should gather and share all relevant financial information before you start to negotiate. To the extent necessary, ask for documentation to verify all amounts. Providing mutual transparency into all the existing assets and debts is a court requirement and necessary for an atmosphere of trust in the mediation process.
Be clear on the difference between what you need, what is available, and what is fair. “What you need” might necessitate examining daily expenses and making a future budget. Financial planners can be helpful in this exercise. “What is available” can be verified as you gather all your financial information. Make sure there is a correlation between what you are demanding and what is available to split. (You used to have access to all of the community assets. Now you don’t. This is one of the painful realities of divorce.) “What is fair” is trickier, as the question contains both a subjective and an objective component. Sometimes parties come to me who are aligned on the issue of ongoing support. But I rarely meet a payor /recipient of spousal/child support who is happy with the amount he/she will be paying/receiving. And how the court would adjudicate the matter is a normative frame of reference that can’t be avoided when discussing support (divorced friends, concerned family members, and consulting attorneys are sure to bring this up), so make sure that you are informed via research or competent legal advice about how California law deals with the support issue.
Adjust Your Expectations – Remember that it is unlikely that you will be “happy” with the eventual financial arrangement. While the family income and assets are going to remain as they were during the marriage, your joint expenses are going to increase now that you will be running two households. You should be aiming for a settlement that balances what you need, what is available, and what is fair. And, hopefully, you can create together a process that is respectful, creative, and productive. But, at the very least, you are trying to get through a very painful period in your life and minimize your collateral and financial damage. If you do this, that is a huge achievement.
Identify Interests – Think about your interests and make proposals that are commensurate with them. And provide those interests to your ex when making a proposal (particularly for any stance that does not reflect a joint parenting schedule or 50/50 split of the assets), so that he/she understands your reasoning. And think about your ex’s interests. For instance, is there a quid pro quo that you can offer your ex (e.g., exchanging money for custodial time)? Keep in mind the values of the other party (e.g., being the primary caretaker or being seen as an equal parent). What are they most concerned about? What can you offer them that will induce them to accept your proposal? What are creative ways for you to get what you need, and still give the other side what he/she wants?
Be Ready to Bargain! – Come prepared to sessions with concrete proposals on which you are willing compromise. Prioritize them, so that you focus on the most important interests in the negotiation and can let go of others. Assume that you will not get everything you want. The culture of negotiation necessitates give and take. There is an expectation that you will move from your first offer. A refusal to do so can be interpreted as a sign that you are being unreasonable. If you pre-determine what is “fair” and present that as the only and final offer from which you are unwilling to budge, you risk alienating your negotiation partner and getting stuck in an impasse.
Create a Bargaining Range – Set high, but realistic, goals about what you hope to get out of the negotiation. It is good to have something to strive for. Also develop a bottom line – meaning, the point at which you would rather have a judge rule on your divorce. But remember that it is irrational to fail to agree to something in mediation that the court would order anyway. And keep in mind that it will cost the community coffers, if represented by attorneys, between $50,000 and $100,000 to get that ruling.
Avoid Emotional Entanglement – Don’t expect your soon-to-be-ex suddenly to validate your emotional point of view or to show up in the mediation in a way that is very different than how he/she behaved during the marriage. You will just be setting yourself up for disappointment. I always tell the couples I work with: You cannot solve during the divorce problems that you could not resolve during the marriage. So calibrate your expectations and keep your eye on the prize.
Engage in a Different Conversation – Present yourself verbally in a way which is both authentic and constructive. As this is a painful juncture in your life and a very difficult process, it is inevitable that emotions will rise to the surface. At the same time, mediation is an opportunity to have a different conversation with your ex than the one you have been having up until now. I find that keeping in mind four basic communication steps can help you achieve this goal. They are:
1) Make a Neutral Observation
2) Describe Your Feeling
3) Articulate Your Needs
4) Make a Specific Proposal
Make a Neutral Observation – Describe in neutral terms what you heard your ex proposing. Or describe neutrally what is happening in the room. For instance, rather than stating accusingly “Your support offer is appalling!” say “You are offering me $2,000 a month.” Rather than assuming “You think the children don’t need a father!” say “You are proposing that I spend every other weekend with the children.”
Describing your negotiating partner’s frustrating behavior in a relatively non-judgmental fashion creates the foundation for him/her to hear your concerns non-defensively. This also increases the chances that, rather than just eliciting an angry or defensive response, he/she will continue in the negotiation with the desire to reach an agreement. Think of this as simple cause and effect embedded in our DNA – unbridled anger or caustic criticism creates a “fight or flight” response. The gentler the initial forray, the more gentle the reaction.
Describe Your Feelings – Take a moment to figure out and then express your vulnerable (non-angry) emotions. What is the fundamental need not being met by your partner’s proposal and how do you feel about that? For instance, beneath the anger in the examples above might be feelings of sadness (e.g. grieving over missed time with children), powerlessness (e.g. not being able to support yourself financially in the future), or loss of identity (e.g. losing one’s role as the children’s primary care taker).
To clarify the underlying emotions beneath the anger, try saying out loud the narrative running in your head about your situation. Our emotions are often dictated by our interpretations of others’ actions, so it can be helpful to figure out that story. For instance: “You are denying me access to my children. You must not value my contributions as a co-parent. I feel really sad about that!” or “When you don’t want to split the assets with me evenly, I think it must be because you don’t value my contributions to the marriage. Wow, I feel really disrespected.” Not only does sharing your story help you to gain emotional clarity, but it also allows your partner to correct an interpretation of his/ her behavior that wasn’t commensurate with his/her intentions (e.g. “I value your role as a caretaker, but I can’t resign myself to seeing the children less than I am see them now.”)
Delving down to the vulnerable emotions can be difficult, particularly when the pain of divorce is still acute and the trust in your ex-partner so low. Nevertheless, I tell clients with whom I mediate that they need to hone their internal dialogue before they can have an effective external communication. This means digging deep beneath your anger to understand why your ex-partner’s positions or proposals are triggering you so negatively. The vulnerable feeling at the center of your maelstrom is the place where you both are most likely to connect.
Articulate Your Needs – State your interests or what you generally need in the settlement agreement. This helps contextualize your proposal. For instance, “It is important to me that I have quality time each week with the children.” or “I need to know that I will be secure financially.”
Articulating your needs begins to shift the focus from your concrete proposal to your underlying concerns. Your ex-partner may hear your negotiation stance, but may not understand why you feel so strongly about your position. Surfacing your interest, which is broader than stating your position, expands the possibility of finding common ground and provides a compass towards creative resolution.
Make a Concrete Proposal – Finally, always conclude your remarks with a concrete proposal. State with specificity what is it that your ex-partner can do to alleviate your intense emotions or satisfy your interests. For instance, you might say “Let’s sit down now with our calendars and plan how we will divide up the holidays and vacation time with the children.” Or “Please provide me with print outs of all our financial assets.” Or “I propose that spousal support decrease over time. Let’s discuss what would be suitable reasons for such an adjustment.”
Making a specific proposal is a very critical step in the negotiation process. All too often, parties come to mediation and articulate very strong emotions without ever articulating a counteroffer. If all that is being stated is your dissatisfaction, the negotiation process descends back into old relationship dynamics. And remember the adage: You cannot solve in divorce problems that you could not resolve during the marriage. The way to avoid mediation becoming a very bad couples counseling session and getting inextricably mired in emotional content is to keep bouncing back and forth successive proposals and counterproposals until you reach resolution or compromise.
|Posted on January 24, 2014 at 4:53 PM||comments (596)|
In addition to the specifics of personality, temperament, and family history, your children’s response to divorce will vary according to their age. Below is a brief and broad outline of typical responses based on different developmental stages.
Preschoolers – Because 2-5 year olds’ worlds revolves around themselves, they are prone to believe that the divorce is related to their behavior. This could derive from thoughts like “I was bad” to more primitive notions of causality such as “If I hadn’t spilt my spaghetti last night, Mom and Dad would not have fought, and they wouldn’t be divorcing.” It is important to be attuned to this thought process and relieve your children of the idea that the divorce is their fault and that they have the power to fix it.
Preschoolers tend to focus on what is immediately visible to them, and their fears will correspond accordingly. These can run the gamut of the tragic (“Will I ever see my mommy again?”) to the mundane (“Will I still be having macaroni and cheese on Friday nights?”). Having an abundance of these fears can lead to regressive behaviors (such as clinginess, problems in toilet training, and seeking out security objects) or even aggressive behavior. And because they are rooted in the present, expressions of grief rarely last a long time and are likely to be expressed during play or in artwork.
Young Elementary School Children – If not addressed directly, 6-8 year oldsmay see themselves as holding the power to reunite their parents. This can lead to futile attempts to be good so as to “heal” the family or, the opposite, an unconscious effort to reunite mom and dad by forcing them to deal with the child’s negative, acting out behavior.
It is normal for this age group to express more grief than preschoolers and engage in more crying or sobbing, so it is helpful to elicit their emotions and validate their sadness. See < http://robertdterris.wordpress.com/2010/11/> That being said, some children at this age (particularly girls) are prone to taking responsibility for their parents’ emotions. Don’t be complicit in your children’s parentification (in which they repress their emotions in favor of taking care of yours).
Lastly, be prepared for your children to idealize the missing parent and express anger towards the physically present custodial parent. This, while painful to you, is a commonplace phenomenon and is a symptom of the separation rather than a reflection of their attachment to the custodial parent. Don’t let this dynamic slip into a loyalty conflict where you try to get your children to understand your perspective and side with you against your ex-spouse. This is deeply harmful to their wellbeing. Being cajoled into taking sides can develop into an uncomfortable disconnection (or even alignment) with the “bad” parent. And, either way, they will feel forced to betray one parent or the other. Reassure them that it is OK to have angry feelings and to have a close relationship with both parents.
Older Elementary School Children and Tweens – 9-12 years olds can have a tendency to repress their feelings and deny grief, anger or sadness around missing one or the other parent. As a result, you may notice that your child is experiencing more negative, physical symptoms -- a somatic manifestation of their intense emotions. Try to coax out their feelings by asking questions and listening without reassuring them too quickly or persuading them to feel differently.
This age group’s comparative intellectual sophistication can sometimes lead to the child having a more “objective” analysis regarding the causes for the divorce and, therefore, more anger at the parents for breaking up the family and creating all the challenges that divorce entails. It is helpful to present a Divorce Story [see below] that your child can fall back on that comfortably frames the reasons for divorce, offers hope that the logistics surrounding the child’s life will remain stable, and assures the child that he/she can maintain a relationship with both parents.
Lastly, these children are increasingly self-conscious of what others think, and may carry shame around the marital breakup. Spend time hearing and understanding their perspective. Help them by validating their emotions and normalizing their experience through peer support or group therapy.
Adolescents – During adolescence, children are very peer oriented. Their sense of belonging, identity, intimacy, and security are all mediated through the prism of their social group. And, at the same time, adolescents are trying very hard to individuate and form a sense of self that is separate from their parents. Consequently, don’t be surprised if your teenager seeks out his/her peers during this sensitive time. While it is always important to be emotionally available for your children, and to facilitate authentic expression of their feelings, don’t worry if your teenager is choosing to find support within the comfort of his/her social group. Red flags that you should be alert to are antisocial or lonely behavior, delinquency, academic failure, substance abuse, and the loss of interest in formerly pleasurable activities.
Also, teenagers need clear and consistent structure and discipline. Divorced parents should provide a unified front and the clear message to their teen that they will continue to act as a cohesive parental unit. If divorced parents become preoccupied with their own conflict, teens will take advantage of the lack of supervision and/or play one parent against the other to exercise their will in an unhealthy way.
|Posted on December 6, 2012 at 6:27 PM||comments (232)|
On the Holmes and Rahe stress scale, which predicts the probability of illness based on recent life events, only the death of a spouse is considered more stressful and more likely to lead to physical illness than is divorce. For many reasons—from the psychological and emotional to the practical and financial—divorce is nearly always extremely challenging for everyone involved. And for the non-wage earning spouse, finding personal and financial balance can be particularly challenging.
The Chinese character for ‘crisis’ is comprised of the symbols for both ‘danger’ and ‘opportunity.’ In other words, divorce constitutes both great challenges and also great opportunities – ones that can see you ending up stronger, happier, and better prepared for the future than you might have ever imagined. However, to convert these challenges into opportunities, and to make success much more likely, it is imperative in most cases that you don’t try to go it alone; instead, seek appropriate assistance and support wherever and whenever you need it.
For example, with the right kind of emotional support, be it from friends and family or mental health professionals, you can much more easily and gracefully move through the trauma you have experienced and establish a new identity and an emotionally satisfying social life. Similarly, if you find the right kind of financial support—for example, a financial advisor experienced in and dedicated to understanding, assisting, and educating recently divorced women—you can reestablish yourself in a pragmatically grounded life trajectory that will attend to the immediate needs before you (and your children, if any) and take you into retirement.
Some Crucial Divorce-Related Financial Facts
First, it’s important to realize that divorce almost always results in a lower standard of living for the family. From paying for food and cable to paying for living quarters and vacations, where there used to be one outlay there will now be two. With the many efficiencies of living together as a family no longer present, and with the many costs of getting to a divorce agreement and finalizing the paperwork a substantial financial drain, divorce inevitably results in everyone involved being poorer after the fact.
Second – and this can be a particularly hard fact to swallow – even a good, fair, collaborative settlement will often leave you, the non-wage earner, with less money than you need to comfortably maintain your pre-divorce lifestyle and prepare for the future. This is especially true if children are involved, regardless of the size of alimony and child support payments. For example, suppose $1,200 a month is awarded as child support for one child. In some months that may be enough, but in other months it might not be nearly enough, and you will no longer have your spouse’s (usually larger) paycheck to turn to. Additionally, while you are expected to find employment in an expedited time frame, some divorce settlements don’t take into full account the cost of additional education and training.
Third, if you have not been in charge of the finances, you may be ill-prepared for the financial and financial-related head-of-household responsibilities. This can include everything from handling household and automobile maintenance to overseeing investment portfolios and, in some cases, even paying bills and balancing checking accounts. Additionally, you may be ill-equipped to run down and follow through on important financial details and legal details such as the retitling of assets, confirmation of access to online banking and trading accounts, and the revision and redrafting of key estate-planning documents (wills, trusts, legal and medical powers of attorney, etc.).
Finally, in major metropolitan areas such as the Bay Area, the financial centrality of the house cannot and should not be underestimated, especially because it tends to warp decision-making in unsustainable ways. It’s quite typical for one spouse to have a strong attachment to the house they have lived in and to want to hold on to it at all costs. This is easy to understand, especially when children are involved – children who love their rooms, their schools, and their friends and who may have never known another home. Undertaking a rational assessment of whether the house can be held on to without the higher wage earner’s income in the picture – and whether it’s worth holding on to, given the expense of maintaining it vis-à-vis all the other financial needs that will arise – is absolutely crucial. Often the house simply can’t be held on to, and in many cases it simply shouldn’t be held on to.
Three Criteria for Finding the Right Financial Advisor
Finding the right financial professional can itself amount to a substantial challenge. Unfortunately, far too few financial advisors are truly client-centric—that is, dedicated to providing their clients with the kind of comprehensive advice and financial services that will make a real difference in their lives. The following three criteria can help you identify the right financial professional.
First, you want someone who is an understanding, patient, and effective teacher. You want to work with someone who is aware of how difficult divorce is and who will help you take small, concrete steps in the right direction as you build a new foundation. You don’t want someone who will pat you on the head and say, “It will be OK, I’ll take care of everything from here.” Even if that were possible, it wouldn’t be advisable, because part of what you need to do now is learn to master your finances for the long run. Seek out a financial professional who finds it satisfying to teach you new things and watch you rise to the occasion to apply what you have learned.
Second, you want someone who understands and embodies the basic tenets of comprehensive wealth management. Look for a financial advisor who starts with long-term goals, needs, and dreams and works backward from them. Your advisor should follow a consultative process, and he or she should understand the value of a team approach – that is, someone who works with a network of professionals that can help evaluate and work through everything from mortgage and real estate needs to insurance and estate planning. Also, you want someone who takes a conservative financial approach and follows the principles of investing your money intelligently without promising “big returns.”
Finally, seek a financial advisor who comes well recommended by others you know and who is experienced in working with divorce. Some things can be learned only by actually doing them, such as how to tell a client that she/he can no longer afford to do certain sorts of things – for example, going on a multiweek Hawaiian vacation every summer – in a way that the client can hear without feeling utterly defeated. A financial advisor who is a compassionate, effective, and realistic advocate will come to know you well enough to be able to lay things out for you in understandable terms while providing a meaningful and ultimately encouraging perspective.
Building a New Life for the Long Run
Ultimately, look to identify and work with a financial advisor who understands what you need and who is dedicated to helping you achieve it. To find this person, you will have to trust your head, your heart, and your gut: Is this the right financial professional to help me (and my children, if any) get on the right track financially for the long run? Is this the kind of person who can help me separate those decisions that have to be made immediately – even if I feel I’m not ready to make them – from those that can be made in a few weeks, months, or years? Is this someone who will look me in the eye, always tell me the truth, and always encourage me to learn more and become better able to face whatever the future brings?
While the personal and emotional aspects of divorce are typically the most difficult, the financial aspects often come in a close second. For starters, make sure you take all of the following steps:
Few things are harder than divorce, which is exactly why it’s important to find ways to optimize your immediate and long-term financial situations. When you find a financial advisor who understands what you’ve been through, who follows a comprehensive process, and who will be your realistic yet creative advocate, you will have taken one of the most important steps toward rebuilding and re-creating your life.
For a complete version of this original article, see – http://www.ameripriseadvisors.com/jamie.g.hargrave/
|Posted on April 30, 2012 at 7:28 PM||comments (242)|
Divorce is a significant event in the life of your child. Whether he or she becomes permanently scarred or thrives can depend on how you and your partner manage conflict and create a cooperative parenting environment. One book that I highly recommend to parents committed to protecting their children's emotional well-being during this difficult transition is titled "Cooperative Parenting and Divorce: Shielding Your Child from Conflict -- A Parent Guide to Effective Co-Parenting" by Susan Boyan and Ann Termini. I am excerpting from their book (below) some helpful guidelines (written in the child's voice) on how to avoid putting your son or daughter in an uncomfortable situation while you negotiate joint custody and living arrangements.
Do not talk badly about my other parent. (This make me feel torn apart! It also makes me feel
bad about myself!)
Do not talk about my other parent’s friends or relatives. (Let me care for someone even if
Do not talk about the divorce or other grown-up stuff. (This makes me feel sick. Please
leave me out of it!)
Do not talk about money or child support. (This makes me feel guilty or like I’m a possession
instead of your kid.)
Do not make me feel bad when I enjoy my time with my other parent. (This makes me afraid
to tell you things.)
Do not block my visits or prevent me from speaking to my other parent on the
phone. (This makes me very upset.)
Do not interrupt my time with my other parent by calling too much or by planning
my activities during our time together.
Do not argue in front of me or on the phone when I can hear you! (This just turns my
stomach inside out.)
Do not ask me to spy for you when I am at my other parent’s home. (This makes me feel
disloyal and dishonest.)
Do not ask me to keep secrets from my other parent. (Secrets make me feel anxious.)
Do not ask me questions about my other parent’s life or about our time together. (This
makes me feel uncomfortable. So just let me tell you.)
Do not give me verbal messages to deliver to my other parent. (I end up feeling anxious
about their reaction. So please just call them, leave them a message at work or put a note in the
Do not send written messages with me or place them in my bag. (This also makes me
Do not blame my other parent for the divorce or for things that go wrong in your
life. (This really feels terrible! I end up wanting to defend them from your attack.
Sometimes it makes me feel sorry for you and that makes me want to protect you. I just
want to be a kid, so please, please…stop putting me into the middle!)
Do not treat me like an adult; it causes way too much stress for me. (Please find a
friend or a therapist to talk to.)
Do not ignore my other parent or sit on opposite sides of the room during my
school or sports activities. (This makes me very sad and embarrassed. Please act like
parents and be friendly, even if it is just for me.)
Do let me take items to my other home as long as I can carry them back and forth.
(Otherwise it feels like you are treating me as a possession.)
Do not use guilt to pressure me to love you more and do not ask me where I want to live.
Do realize that I have two homes, not just one. (It doesn’t matter how much time I spend there.)
Do let me love both of you and see each of you as much as possible! Be flexible even when
it is not part of our regular schedule.