Shows
Cover Your Assets – A Divorce & Money Podcast31. How Collaborative Divorce Protects Your Privacy, Peace, and Finances with Nicole StednitzDivorce doesn’t have to mean emotional warfare and courtroom showdowns. In this episode, attorney Nicole Stednitz introduces the collaborative divorce model—an out-of-court approach where couples work with a team of legal, financial, and emotional professionals to find sustainable, family-focused solutions. We unpack how the disqualification clause builds real accountability, why collaborative divorce often costs less than litigation, and how this model protects both your privacy and your peace. If you’re navigating separation and want something more thoughtful than a legal battle, this conversation is your starting point.Key takeaways:The disqualification clause...2025-05-2934 minCover Your Assets – A Divorce & Money Podcast30. What Children Really Need When Parents Separate with Stephanie SealWhat do kids really need when parents divorce? In this episode, licensed psychotherapist Stephanie Seal joins us to talk about how children experience separation—and what parents can do to protect their emotional well-being along the way.We cover common misconceptions, including why younger kids often internalize divorce more than we realize, and how even well-meaning silence can leave lasting impact. Stephanie offers practical guidance for age-appropriate conversations, co-parenting with compassion, and helping kids stay connected to both parents without loyalty binds or confusion.Key Takeaways: Why younger kids may struggle more than older one...2025-05-1529 minCover Your Assets – A Divorce & Money Podcast29. Getting Along with Your Ex’s Partner (and Your Kid’s New Step-Parent) with Lesa FergusonCo-parenting isn’t always easy, but it can be done! As long as it’s built on a foundation of respect, teamwork and love.In this heartfelt episode of Cover Your Assets, Lesa Ferguson joins us to share her real-world experiences as a step-parent—and how she helped create a harmonious, blended family after divorce. From setting boundaries to putting kids first, we dive into the emotional side of co-parenting, the challenges step-parents face, and why communication between all parents is key.In this episode, we cover:How setting clear boundaries strengthens relationships between parent...2025-05-0122 minCover Your Assets – A Divorce & Money Podcast28. Legal Separation Explained: How a Date Impacts Your Divorce with Diane NguyenOn this episode of Cover Your Assets, we’re breaking down the critical — and often overlooked — difference between date of separation and legal separation during divorce. Attorney Diane Nguyen explains why this distinction matters, especially in high-asset cases where bonuses, stock options, or home appreciation could be at stake.We cover how California defines separation, why the exact timing can significantly impact your financial settlement, and when legal separation might be the right choice for couples navigating complex finances. Connect with us!Diane Nguyen on LinkedInClement, Fitzpatrick and Kenworthy, IncJosephti Cruz on LinkedIn Jade Eagles o...2025-04-1724 minCover Your Assets – A Divorce & Money Podcast27. Are Prenups Planning For Failure?On this episode of “Cover Your Assets,” we explore how prenups have evolved from a taboo symbol of distrust to proactive agreements for financial transparency. Growing in popularity from 3% in 2010 to 15% today, couples are realizing that prenups aren’t just for the wealthy. They help protect assets, manage debts, and even safeguard blended families. Whether you're planning your first wedding or healing from divorce and considering a second chance at love, tune in for tips on turning tough money talks into relationship-strengthening conversations.Josephti Cruz on LinkedIn Jade Eagles on LinkedInDivorce might be the end of one cha...2025-04-0323 minCover Your Assets – A Divorce & Money Podcast26. What’s a Divorce Attorney? with Michael RiceOn this episode, we’re talking to divorce attorney Michael Rice. Michael weighs in on mediation in divorce, explaining why having a consulting attorney makes the process less daunting and how mediation can lead to a more controlled and efficient divorce process. We also discuss strategies for preserving your financial interests through a divorce process, tips for navigating your emotions during negotiations, and the benefits of avoiding courtroom battles.Connect with us!Michael Rice on LinkedIn2025-03-2040 minCover Your Assets – A Divorce & Money Podcast25. Divorce Stories: Bringing Color Back To Your Life After Divorce with Trisha PerezOn today’s episode, we chat with Trisha Perez, an entrepreneur who empowers women through spirituality. She shares her interpretation of Nancy Hetrick’s four phases of transition during divorce, highlighting how introspection helped her identify the issues in her marriage and take action. We discuss the mediation process, navigating divorce in lockdown, and the “messy, messy, messy, fun, fun, fun” journey of self-discovery after divorce.Trisha Perez on LinkedInTalaya GuidesTalaya Guides on FacebookTalaya Guides on InstagramJade Eagles on LinkedInJosephti Cruz on LinkedIn To receive a copy of the Transitions Journal, email josephti@coveryourassetsdivorce.com or jade@coveryour...2025-03-0632 minCover Your Assets – A Divorce & Money Podcast24. Divorce Stories: The Dangers of a “D.I.Y.” Divorce with Sandy AnleuOur friend Sandy Anleu joins us on today’s episode to talk about the lessons she had to learn the hard way from her ‘DIY’ divorce 5 years ago. We go through Nancy Hetrick’s four stages of transition in divorce from last episode to unpack the moment Sandy knew her marriage was over, the toll divorce takes on your decision-making, and how she is using her newfound financial independence to work toward her goal of traveling the world.Sandy Anleu on LinkedInSouth Bay Equity LendingJade Eagles on LinkedInJosephti Cruz on LinkedIn To receive a copy of the Transitio...2025-02-2026 minCover Your Assets – A Divorce & Money Podcast23. The 4 Stages of Transition in Divorce with Nancy HetrickDo you feel like your divorce is never-ending? Like it will dominate the rest of your life? There is a light at the end of the tunnel! Join us as we discuss the four stages of transition in divorce (and how long it takes to reach your “new normal”) with Nancy Hetrick, Founder & CEO of the Divorce Financial Planner Training Center.Nancy Hetrick on LinkedInNancy Hetrick on TwitterDivorce Financial Planner Training on FacebookJade Eagles on LinkedInJosephti Cruz on LinkedIn To receive a copy of the Transitions Journal, email josephti@coveryourassetsdivorce.com or jade@coveryourassetsdivorce.com. Divorc...2025-02-0628 minCover Your Assets – A Divorce & Money Podcast22. Real Estate Divisions in DivorceWho gets the house? Join us as we unpack one of the most financially (and emotionally) complicated questions in divorce. We talk about the pros and cons of selling, buying out your spouse and choosing joint ownership. Plus, we look at some common complications that people often miss.Jade Eagles on LinkedInJosephti Cruz on LinkedIn Divorce might be the end of one chapter, but it’s also the start of a brand-new journey filled with opportunities. Join us for practical tips for financial empowerment and insights to make this time a little less daunting.Invite us...2025-01-2331 minCover Your Assets – A Divorce & Money Podcast21. Divorce Stories: How Finding a ‘Divorce Mentor’ Made All the Difference with Marnie MatonNavigating divorce alone is incredibly intimidating. Join us as we talk to Marnie Maton about her story of finding a “divorce mentor” and how it made all the difference. We also walk through identifying your nonnegotiables, self-care, the power of preparedness, and much more! Connect with us! Marnie Maton on LinkedInMarnie’s website"Vote For You" by Marnie MatonJade Eagles on LinkedInJosephti Cruz on LinkedIn Divorce might be the end of one chapter, but it’s also the start of a brand-new journey filled with opportunities. Join us for practical tips for financial empowerment and insights to...2025-01-0927 minCover Your Assets – A Divorce & Money Podcast20. What Happens to Your Retirement Accounts in a Divorce?Dividing retirement savings during a divorce can be tricky. Join us as we break down the key differences between traditional and Roth IRAs, 401(k)s, HSAs and more. We also cover QDROs (Qualified Domestic Relations Orders), and how to avoid costly mistakes when splitting your retirement accounts. Whether you’re going through a divorce or planning ahead, tune in to make sure you’re informed!Connect with us! Jade Eagles on LinkedInJosephti Cruz on LinkedIn Divorce might be the end of one chapter, but it’s also the start of a brand-new journey filled with opportun...2024-12-2625 minCover Your Assets – A Divorce & Money Podcast19. Finding Holiday Cheer After Your DivorceThe holidays after or during a divorce can be tough, but they’re a chance to create new traditions and focus on what matters most: family, kindness, and joy. Learn to co-parent with ease, set simple budgets, and teach your kids the power of giving back. From acts of kindness to fun traditions like sweaters and holiday lights, it’s all about making memories, not spending big. Let’s make this season special for you and your loved ones.Connect with us! Jade Eagles on LinkedInJosephti Cruz on LinkedIn Divorce might be the end of one chap...2024-12-1220 minCover Your Assets – A Divorce & Money Podcast18. What's a Divorce Planner?How do you separate the emotions from the business side of divorce? Learn how our guest, divorce prep coach Alex Beattie, helps individuals gather their essential administrative information and clearly define their goals and priorities before taking the plunge into separation. We also tackle the often-overlooked aspect of managing finances during a divorce, including the complexities of hidden assets and the transition from a "we" mindset to a "me" mindset.We go beyond just the logistics of divorce to emphasize the importance of emotional self-care and having a solid support system. Alex introduces the concept...2024-11-2827 minCover Your Assets – A Divorce & Money Podcast17. What's a Divorce Mediator?Can you really settle a divorce without messy court proceedings? Learn how Barry Davis, an experienced divorce mediator, helps couples navigate the potential conflicts of separation by empowering them to make their own decisions. Discover the benefits of divorce mediation—saving time, money, and creating a healthier emotional environment for everyone involved. Barry also dispels common myths, showing that mediators do far more than just settle arguments — they guide couples toward lasting agreements that work for everyone. But, choosing the right mediator is crucial, and Barry shares his advice on what to look for in a well-rounded team...2024-11-1432 minCover Your Assets – A Divorce & Money Podcast16. Common Financial Mistakes to Avoid in DivorceEver rushed into a major decision only to regret it later? In this episode, Josephti and Jade share personal stories of hasty divorces and the costly financial mistakes that followed. They explore why so many women face unexpected financial surprises post-divorce and emphasize the importance of fully understanding your finances before making any big moves. Learn how professionals like Certified Divorce Financial Analysts (CDFA's) can guide you through asset valuation, financial planning, and setting realistic expectations during a divorce.Jade and Jo also debunk myths about lifetime support and highlight the risks of overspending, offering practical tips...2024-10-3124 minCover Your Assets – A Divorce & Money Podcast15. You’re a SAHM, and Your Husband Wants a Divorce. Now What?What would you do if your partner suddenly wanted a divorce? In this episode of "Cover Your Assets," we tackle the gut-wrenching reality of divorce, especially for stay-at-home parents. First, we address the sheer emotional shock and the critical initial steps to take. Then, our discussion is all about taking control of your new life. We emphasize the importance of building a supportive team, including friends, therapists, and professionals, to empower you through this life-altering transition.There are financial and career transitions that can come post-divorce. To be successful in this area, divorcees need to understand household...2024-10-1724 minCover Your Assets – A Divorce & Money Podcast14. How Does Divorce Impact Your Social Security?Understanding Social Security benefits during a divorce can impact your financial future. Join Jade Eagles and Josephti Cruz as they unravel the complexities of claiming spousal benefits based on your ex-spouse's work history. They debunk common myths and clarify eligibility criteria, particularly for lower wage earners or those who've struggled to meet the 10-year earning requirement. Jade and Josephti explore how remarrying, particularly after age 62, can influence your benefits and what happens if your own benefits exceed half of your ex-spouse's. Special circumstances, like having a disabled child or ex-spouse, also play a crucial role in determining y...2024-10-0327 minCover Your Assets – A Divorce & Money Podcast13. Insurance Needs After DivorceWhat if an outdated beneficiary designation could disrupt your financial plans? In this episode of "Cover Your Assets" Josephti Cruz and Jade Eagles share real-life stories of unexpected life insurance settlements and highlight the importance of updating your policies post-divorce.We explore the challenges women face with health insurance after divorce, offering practical advice on auditing and comparing policies to avoid being uninsured. Plus, we cover essential insurance updates when selling a home or finalizing a divorce, from unbundling policies to securing renter’s insurance and revising life insurance beneficiaries. Take control of your financial future! C...2024-09-1924 minCover Your Assets – A Divorce & Money Podcast12. Financial Planning for Single ParenthoodNavigating single parenthood can be daunting, but with the right strategies, it’s possible to turn fear into empowerment. In this episode of "Cover Your Assets," we explore the emotional and financial challenges of transitioning to a single-income household. Learn from personal stories about budgeting, dividing assets, and managing increased expenses, all while maintaining a positive mindset. We also dive into effective co-parenting financial strategies, such as establishing a solid financial baseline, prioritizing needs over wants, and building an emergency fund. Whether you're managing finances amicably with your ex or facing challenges, we offer practical advice on mai...2024-09-0523 minCover Your Assets – A Divorce & Money Podcast11. Navigating Emotional and Financial Stress During DivorceMany people overlook the critical role emotions play in financial decisions during a divorce? Join us on "Cover Your Assets" as we reveal how addressing emotional stress can pave the way for sound financial planning. We'll take you on a journey through the seven emotional stages of divorce—shock and denial; fear; anger; bargaining; guilt; extreme sadness and grief; and acceptance—sharing real-life stories to illustrate how these stages shape your experience. By distinguishing emotional fantasies from reality, we'll show how separating your emotions from your financial decisions helps people come to the best outcome.We unpack the...2024-08-2222 minCover Your Assets – A Divorce & Money Podcast10. Estate Planning Post-DivorceCan you imagine your ex-spouse inheriting millions of your assets just because you forgot to update some documents? In this episode of "Cover Your Assets," Josephti Cruz and Jade Eagles discuss the crucial need to update your estate plans during and after a divorce. Learn from real-life stories and expert advice to ensure your assets go where you want them.They cover the importance of updating beneficiary designations, financial and healthcare power of attorney documents, and setting up trusts to protect your children's inheritance. Plus, they talk about the need for backup guardians in your will.2024-08-0823 minCover Your Assets – A Divorce & Money Podcast9. Rebuilding Financial Independence After DivorceDivorce can turn your world upside down, but rebuilding your financial foundation is crucial. Join Jade Eagles and Josephti Cruz as they guide you through essential steps to reclaim financial stability post-divorce. Learn how to set new financial goals, build emergency savings, and secure long-term stability with retirement accounts. Discover smart strategies for managing your finances, avoiding unnecessary spending, and preparing for retirement through employer-sponsored plans. With their insights, you'll be empowered to take charge of your financial future. Connect With Us! Jade Eagles on LinkedInJosephti Cruz on LinkedIn Divorce might be the end...2024-07-2523 minCover Your Assets – A Divorce & Money Podcast8. Protecting Your Credit During and After DivorceGoing through a divorce? Secure your financial future with essential credit protection strategies. Join Josephti Cruz and Jade Eagles as they share tips on monitoring and safeguarding your credit score, from checking credit reports to managing joint accounts.Learn how to leverage free credit tracking services and establish a solid credit baseline. Discover why timely bill payments and strong, unique passwords are crucial. Plus, Josephti and Jade stress the importance of seeking financial advice tailored to your unique situation.Empower yourself to take control of your finances during and after...2024-07-1123 minCover Your Assets – A Divorce & Money Podcast7. Co-Parenting Finances: Strategies for SuccessDivorce may be all about money, but when it comes to children during divorce, it's all about them. Due to the delicate nature of co-parenting, navigating the expenses of raising a child can be difficult. Unexpected costs, communication barriers, and the general woes of kids can make this task beyond challenging. But it is not impossible. This week, Josephti Cruz and Jade Eagles unpack the harsh realities of co-parenting, giving listeners practical tips that promote a positive family dynamic and financial habits. Episode 7 shares everything from setting financial boundaries to tools that streamline expense tracking. At the e...2024-06-0622 minCover Your Assets – A Divorce & Money Podcast6. The Role of a Certified Divorce Financial Analyst (CDFA®)Marriage may be all about love, but divorce is all about money. Therapists and mediators are great resources for your emotional and legal needs, but your finances should be left to the professionals—Certified Divorce Financial Analysts (CDFAs®). Their training and expertise provide a wealth of knowledge, helping to steer you in the right direction. This week, Josephti Cruz and Jade Eagles review the role of CDFAs and why they are an important part of any divorce team. Even the best-intentioned divorce settlements can fall victim to financial missteps. Through the experiences of Josephti and Jade, they shed...2024-05-2321 minCover Your Assets – A Divorce & Money Podcast5. Debts and Divorce: Managing Financial LiabilitiesEverything during a divorce gets split—including debt. But that doesn’t always mean that your collective debt gets simply cut down the middle. Managing your financial liabilities may seem like another chore, but it's vital for setting yourself up for success. This week, live from Walt Disney World, Josephti Cruz and Jade Eagles share the crucial know-how for tackling the mountain of debt that divorce proceedings can bring. Did you know that there’s a debt acquired during marriage that isn’t required to be split? If you didn’t, then episode 5 is a must-listen. From navigating...2024-05-0916 minCover Your Assets – A Divorce & Money Podcast4. Splitting Assets: What You May Need to KnowWho gets the pizza oven during a divorce? What about the beach house? The answer isn’t always black and white for couples going through a divorce. The division of assets can quickly become an emotionally charged and lengthy process, especially for the unprepared. This week, Josephti Cruz and Jade Eagles break down splitting assets and the distinctions between marital and separate property while serving up the critical knowledge of equitable versus community property laws. Their conversation is not just a list of dos and don'ts; it's a guide to becoming the CFO of your new life. Fro...2024-04-2525 minCover Your Assets – A Divorce & Money Podcast3. Budgeting During And After DivorceLet’s face it—budgeting is hard. Unfortunately, budgeting post-divorce can be even harder. With emotions running high, having to restructure your spending habits can seem like one more thing to add to your ever-growing list. Fortunately, Josephti Cruz and Jade Eagles are here to equip listeners with the tips and tricks they need to foster financial independence. With laughter and real-life stories, Josephti and Jade give a new perspective on budgeting. It's not just about slashing costs; it's about creating a sustainable new future for yourself. By explaining essential versus discretionary costs, listeners can understand that budge...2024-04-1122 minCover Your Assets – A Divorce & Money Podcast2. Overcoming the Financial Impact of DivorceWe spend a lot of time focusing on the legal and emotional sides of divorce, but what about the financial? With a staggering 41% of women experiencing a drop in income post-divorce, understanding the short and long-term impacts of divorce is crucial for planning the next stages of your journey. Hosts Jade Eagles and Josephti Cruz offer a candid look into the realities of transitioning to a single-income household and tackling the challenges of dividing and valuing assets. Episode 2 of “Financially Ever After” manages the expectations of divorce while providing a positive look forward. Connec...2024-03-2820 minCover Your Assets – A Divorce & Money Podcast1. Welcome to Cover Your Assets!With 48% of new marriages ending in divorce, understanding the intricacies of divorce finance is more relevant than ever. "Financially Ever After" is a podcast dedicated to helping listeners navigate the complexities of divorce with confidence and clarity. Hosts Josephiti Cruz and Jade Eagles blend personal experiences with professional advice, offering a supportive resource for those seeking an amicable and informed divorce. The first episode of “Financially Ever After” encourages listeners to approach their divorce finances methodically, free from the emotional chaos that divorce can bring. Divorce can be stressful enough, don’t make finances another thing to worry a...2024-03-1421 min