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Getting Married?

You are combining two lives, two households as well as two money styles. How are you going to pay bills? Are you going to combine earnings? What are your mutual financial goals? What are each of you bringing to the table in terms of assets? Liabilities?

Divorce lawyers are quick to tell you that money and financial matters are the number one reason that couples cite in getting a divorce, and yet most couples don't consider, how they will combine finances until there's a problem.

Coming to an agreement about money matters before you get married can save you many uncomfortable conversations in the future. Ms. Bross will take you through the questions you need to ask, and will present solutions to these questions, helping you blend your financial lives.

Having a Baby?

You're both working really hard, barely have money left over at the end of each month to fund your retirement, and now you're pregnant. Okay…make sure this will really be a joyous event by taking the time to figure out how its going to work. If one of you is planning to stay home with the baby, Ms. Bross can help you align your spending plan to the new income level so appropriate changes can be in place by the time the baby comes.

Ms. Bross can also help you determine what you need to save to reach your educational goals for your child. Be it private education or college, the earlier you start saving, the brighter your son’s or daughter’s future will be.

By consulting with Ms. Bross prior to or soon after the birth, you can help make the transition from couple to family that much easier.

Getting a Divorce?

At best this is an emotional process and at worst it is something else and more. Ms. Bross helps divorcing partners determine what they agree to in terms of settlements issues, so they need to spend their lawyers’ time only on the areas they do no agree on.

Ms. Bross helps divorcing individuals determine actual living expenses (women tend to underestimate these), examine and evaluate settlement proposals, and/or help in transitioning into the new lifestyle choices that a settlement may require. The language of divorce is often not easily understood, and having someone to walk you through the proposals helps you make sure that what you're agreeing with or not agreeing with is really your choice, and not by default or misunderstanding.

Questions like whether to keep the house, buy another home or keep the children in private school can be daunting to figure out on your own. Ms. Bross can help you get to a place of clarity, understanding and choice around your divorce process, helping this become a clear transition.

Inheriting Money? Getting a Settlement? Receiving a Windfall?

The “Big Check Syndrome” is activated when someone is going to receive a large amount of money. Suddenly all things are possible, and mentally the money gets spent three times on all sorts of long-desired things. In many cases, people have actually found themselves more in debt from the experience, because they started spending the money before it actually arrived, and didn't realize until too late that they'd spent the money and more.

If you want help determining the best uses for this windfall, Ms. Bross can look at your financial situation and help you find the optimal solution for you.

Contact Susan Bross by phone at 415. 479. 1290 or email

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