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festive party outside

Divorce Recovery: Cocktail Parties & “Can’t Miss” Financial Opportunities

You’re in that divorce recovery place — post-settlement, but still navigating your newly found independence, when the invitation arrives, by old-school snail mail, e-mail, or text. You’re excited, you’re invited to a cocktail party!

You start thinking about how much fun you will have, or what the might night hold … the party’s unusual location … who you will meet … and the dress you might wear, or what you might “have to buy”.

It’s natural that when the evening comes you’re a little nervous. You’ve not been out a lot by your single self. No matter, you take a breath. You are ready to enjoy the festivities, the music, the people. Things get rolling after you arrive and you’re into your fun evening with friends and new friends. You’re chatting about happenings around town, where to go on your next vacation maybe, or a new restaurant serving quinoa in a new and novel way. There’s talk about the latest must-read novel, gotta see movie or Broadway show when it happens. Someone starts talking about an unusual investment opportunity.


Commit to​ taking healing​ steps each day. Read our powerful, “46 Steps to Your Divorce Recovery: A Definition and A Guide.”


Money talk is the last thing you expect to be talking about, or even listening to, but there you are. Face to face with someone you’ve never met who has introduced himself and who seemingly can’t stop talking about a “can’t miss” investment. He’s suggesting you should get in on the ground floor and ride it to the top. You realize you are not the only one listening. Others around, others you respect, are actually nodding their heads in agreement with this new acquaintance.

So you’re here on your own and checking in with yourself. You may be a stay-at-home mom, a Fortune 500 executive or a small business owner. You may be someone used to having a spouse with whom you talked about household and personal finances, or someone who has never participated in the management of household expenses, let alone any kind of investment situation. Now you’re facing someone asking you to make a financial decision that can impact your future. Is this scary? Tempting? Many think it is, and rightly so.

How do you respond to this situation?

  • You could say it’s time for another drink and try to slip away
  • Say, “Look over there!” And disapear like they do in the movies
  • Or, you could say, “Let’s talk about it another time after I look over the company materials”
  • Or, you could say, “I’m not ruling it out but would like to talk it over with my team of financial advisors”
  • Another idea is to ask, “What is the expertise you have that makes you so sure this will succeed? What are the materials you looked at to help you form this opinion?”
  • Or, you might pose this question, “What business experience does the founder have? And how successful were her/his previous ventures?”

Do you run and hide? Or do you “attack”? Which is better for you? Only you can decide. However a good part of your decision may be based on how much risk there is and whether or not you can afford to make and lose an investment in a new public or privately owned company.

Today, when everyone knows someone who is developing a “hot” and “amazing” new app … or the next best thing to hit the web … or a product that everyone “must have,” deciding to invest $1,000, $10,000, $100,000, or millions should be based on a sound financial plan developed with your team of financial advisors.


Feel inspired. Build your confidence. Read our ​unusual “100 Must Do’s for the Newly Divorced Independent Woman.”


You’ve probably learned this already, this advanced in your divorce recovery: A team of financial advisors is one or more persons who may include your certified public accountant (CPA), certified financial (divorce) planner (CFP or CDFP), attorney, investment advisor at your securities firm, trusted family member, or dear friend with financial experience, etc. Your team, comprised of diverse experts offering varied feedback, can help you evaluate:

  • Your ability to afford an investment
  • The risk of making an investment
  • Comparison of this “can’t miss” investment with traditional investments
  • The short term and long term possibilities regarding this investment and when your investment may be returned and what the cash earnings on the investment may be.

So while it may be very attractive, exciting even to invest with your friends or family just because they are doing so, or because you feel compelled to follow along, you can do the savvy thing. You can respond with a list of questions to ask company management, and you can request and review company financial materials with the help of your financial advisors. You’ve come this far in your divorce recovery, don’t succumb to relinquishing control over your life and your future now. With your team you can put together a plan that not only helps you make sound financial decisions but also shows those around you that they need the same information to make their own smart financial decisions.

 

Notes:

Since 2012, SAS for Women is entirely dedicated to the unexpected challenges women face while considering a divorce and navigating the divorce experience and its confusing afterward. SAS offers women six FREE months of email coaching, action plans, checklists and support strategies for you, and your future. Join our tribe and stay connected.

 

 

I Thought Getting a Divorce Would Be the End of Me. It Wasn’t!

Did you claw your way though the holidays and then find yourself fantasizing about getting a divorce? You aren’t alone.  January actually has the nickname “Divorce Month,” if you can believe it.

Turns out, January is not the only month with this dubious distinction. If you Google “divorce month,”< spoiler alert> you’ll see other articles dubbing February and March with the same, less than lyrical title. Why is that, do you suppose? It’s because there is no perfect time to get a divorce, though there may be some corollary with the lack of light and our dwindling reserves. January arrives, we kept it together through the holidays, and then more dark winter months descend and we are trapped in the house together, entirely too much. Sunshine, lightness, like our former selves, seem an eternity away. For those unhappily married, that darkness becomes nearly unbearable, and we finally admit to ourselves that we can’t do this anymore. Getting a divorce seems like the way OUT.

I honestly don’t remember what month it was or how low the sun was when I hit that wall. But I do remember screaming at my (then) husband across the airport, “I WANT A DIVORCE!” And oh wow, did that feel good. Then I was terrified. What did I just say? Getting a divorce is a lot of things.

It’s decision-making, it’s paperwork, it’s moving, it’s mourning, and it’s being on your own again. I thought I could handle it, it had to be easier than living in the shadow of that marriage for a single moment more. But I wasn’t prepared for just how lonesome the process was, especially in the beginning. You know, when you are not sure and struggling and are still thinking the problems might just be in your head?

I look back at my journals now and wish I could have talked to this girl I was, to let her know she’s going to be okay. At the time, however, you can see from my journal excerpts that I was in that gloomy, dark place, full of doubt and fear:

“I’m lonely / What’s going to happen to me? / Am I good enough at my job? / What am I forgetting to do? / I’m so lonely / I don’t know if I can take it / What’s he doing, is he ok? / Why do I care? / How will I get everything done? / I don’t want to disappoint anyone / What the hell happened to my husband? / What happened to me? / Wait, who am I now?”

 

“Everything is such an effort. Everything. Should be going to sleep now. Eating, sleeping … either I do too much or not enough. Don’t want to do either alone.”

 

“I cannot describe how awful it feels to go through these feelings alone.”

 

I started crying today in my office because everything E.V.E.R.Y.T.H.I.N.G is such a f*ck*d up mess. I have absolutely zero moments that are stress free or parts of my life that are in order. My personal life — a mess. My emotional health — shot to hell. My finances — drained. My work — behind. My marriage — OVER.”

I share my journal entries because I’ll bet there’s a woman out there reading this now, who feels like I did. And she needs to know it doesn’t have to be so lonely. It will change.

Are you listening?

You won’t feel like this forever, I promise. It will get better. You will smile and laugh again. You will regain control of your feelings and your money and your career and your life will be yours again. It won’t happen overnight, but it will happen.

Are you wondering what makes me say this? Because I did it! I got through my divorce, I moved out on my own, I pieced my career back together, and I chipped away at the debt. Later I met someone whom I love very much and decided I’d give marriage another go, albeit cautiously. We bought a house, and now I have a beautiful baby boy, who is the light of my life and my heart and my soul. I’m not just okay, I’m great!  Who knew?

Getting a divorce can be really lonely. But it doesn’t have to be. My number one piece of advice? Talk to someone you can trust. Find a friend whose been through divorce, a family member, a therapist or divorce coach — someone you know who will give you good, seasoned, non-judgmental feedback, and a lay of the land. You don’t have to do this alone, in fact, you shouldn’t. You need perspective. You need someone to help you think things through, to give you fresh ideas you haven’t thought of, and to help you keep moving forward.

I thought getting a divorce would be the end of me.  Happily, I report I was wrong. Quite the opposite, it made me who I am: a confident, happy woman who works hard to thrive each and every day. Now that I know what’s possible, I spend my days at SAS helping other women find out, and discover themselves, too.

 

Since 2012, SAS for Women is entirely dedicated to the unexpected challenges women face while considering a divorce and navigating the divorce experience and its confusing afterward. SAS offers women six FREE months of email coaching, action plans, checklists and support strategies for you, and your future. Join our tribe and stay connected.

Woman on the couch ignoring divorce advice for women

Divorce Advice for Women: Get Off the Couch

Despite the never-ending amount of divorce advice out there, the end of a marriage is hard.  Divorce is scary, and there is no one-size-fits-all approach to getting through it. Divorce means the start of a new phase of your life—one that you never planned for.

When understanding takes on a new meaning

My parents were divorced, and I was a second-wife and stepmother for 14 years. On top of that, I have been a family law attorney for 21 years. But even so, none of that prepared me for the roller coaster of emotions that came along with my own divorce. I thought I knew what to expect, and I thought I was prepared. Hadn’t I been dishing out divorce advice to clients for years? Surely if there was an expert, I was it. I was so wrong.

When your marriage splits up, you need to redefine your future, your path, and yourself.  In a marriage, you sacrifice so much of yourself, especially toward the end when all your efforts seem to be failing and you do everything you can to desperately try to save your relationship. In the midst of all that, it’s possible to lose sight of who you are—who you truly are, deep inside.

What makes you happy? What are the things you used to do just for yourself—not for your kids, your husband, or your job but just for you? Is it easy to come up with this list? Can you even remember?

My best divorce advice

My best divorce advice for women is to tell you it is time to focus on you now—to get back to your authentic self. Figure out what makes you happy and where you want your life to go. You have unlimited opportunities now. You have choices. Sure, the path you are on now is not the path that you were on before and it is not the one you expected, but you can redefine your future and you can make it better than before.

Yes, the changes to your finances are scary.  Yes, getting back into the dating world can also another kind of terrifying.  But you can do it.  You are strong, you are fabulous, and you need to get out there and show the world if you ever expect to get anywhere or meet anyone new (friends or lovers).

So, as simple as it sounds: Put away the tissues, and get off the couch. You are amazing, and you have a beautiful, bright future ahead, if only you are brave enough to stop listening to and reading divorce advice and go out there and act on it.

Daryl Weinman is a family law attorney, practicing in the Austin, Texas, area for twenty-one years. A child of divorce, a stepmother for fourteen years, a mother of two teenage boys, and divorced now herself for the past four years, Daryl has seen divorce from most every angle and can truly relate to the emotional struggles of her clients and divorced friends. To leverage her insights and smart, savvy takeaways, read her new book, Post Divorce Journey Back to Yourself available at Barnes & Noble or Amazon.com. Or if you are in the Austin area, or a resident of Texas and would like to consult with Daryl for legal divorce advice, visit here for details.

Although SAS periodically features links to and writing by other professionals on the SAS website, SAS for Women™ is not responsible for the accuracy or content of that information. As for what is best for you and your future, SAS always recommends you speak to a professional to discuss the particulars of your situation.

Couple in courtyard thinking about divorce advice

When to Introduce Your New Beau or Belle to Your Kids

Ok, you’re finally divorced. You’ve signed the papers and made peace with your decision. You’re done listening to divorce advice and ready to start living again. At long last, you are free to do what you want, go where you want, and be with whom you want.

Or are you?

It’s not so simple if you have children.

I claim no formula or easy divorce advice

But I suppose this is as good advice as any: First, have the Newbie, or if you prefer, your New Beau or New Belle, pick you up for dates with a brief introduction to the kids. (And no, he* should not bring presents!)

If this new relationship goes on for two or more months and you are speaking to or seeing him on a regular basis, then the next step is to have the “talk” with him. The “talk” centers on how he has to be sensitive to the kids and their love for their dad, and how, in general, he can’t move too fast.

Your New Beau can begin to establish a relationship with the kids (perhaps he might offer to take them to the park, bowling, or bicycling), but activities should be neutral—things that will neither excite them too much nor dismay them. Keep it simple.

Staying over will have to wait. Children understand that sex is a whole other step towards something that might be permanent. If your children are pretty secure and your New Beau has handled this right, you can explain in your way that you are now “going steady” with your new partner and he might be staying over once in a while. If that plays badly, postpone the overnights for a few months.

No matter how many times one tells the children the divorce was not their fault, many kids still think it is. Many also fantasize about their parents reconciling. Never, ever agree that this is a possibility! Do not let them hold out hope, but rather remind them that Daddy has a new life and is probably dating some nice people. Remind them you have a new life, too, and that you and Daddy are much happier now.

It may not be easy

Your kids may weep or get angry. Comfort them, but hold your ground. It is certainly possible that other symptoms will emerge: bed-wetting, depression, sadness, and meltdowns are often typical for children of those recently divorced.

If these symptoms or behaviors continue, I recommend you talk to a professional who specializes in divorce advice and perhaps secure professional help for your children as well. This may include family counseling. Do not let it fester. Unusual symptoms are literally a cry for help. If you cannot afford private counseling, call one of the many agencies, religious or secular, who might help you find a low cost or volunteer professional.

This said, some children may very well welcome a new person, someone who can help them with homework, throw a ball around, or talk movies or hobbies. Here, too, be cautious. Unless you are certain this person is indeed your next partner, you do not want your children to become too attached to him and risk yet another disappointment. It is, for sure, a delicate balance.

If it works out, you’ve dodged a bullet and can look forward to a happy new future. But what if it doesn’t?

What if your New Beau has his own version of the “talk” with you?

The “I can’t commit” talk, or you just sense he is cooling off? Don’t try to convince yourself otherwise if you sense he is distancing himself because he probably is. This is why—like everything in life—timing is so important. You do not want your children newly invested in a relationship that will upend their world again. For if they are, you will have to start all over with your kids; explaining that you are sorry that he was not the right person for the family, but it was something between the two of you, and the demise of your romance did not hinge on them, the children, whom he thought were great.

Never let the kids think it had anything to do with them. And even while you are dealing with your own loss, and perhaps comforting your children, you must show them by word and deed that life goes on. There are movies, games, and adventures that await—all kinds of exciting and marvelous family activities that will distract both you and the kids.

Remember to learn from this relationship, too. Gauge for yourself if you brought him into the family too soon and do not make that particular mistake again. As a divorcée and mother, you must go smartly into your new life. Maybe, just maybe, there really isn’t going to be a time in your life when you should ignore good divorce advice. You are free in many ways, but most importantly, you are free and wiser as a result of your life decisions.

A novelist, therapist, mother to three, and grandmother to five, Sheila Levin is twice divorced. Find her books, Simple Truths and Musical Chairs at Amazon.com.

Although SAS periodically features links to and writing by other professionals on the SAS website, SAS for Women™ is not responsible for the accuracy or content of that information. As for what is best for you and your future, SAS always recommends you speak to a professional to discuss the particulars of your situation.

*At SAS for Women, we respect same-sex marriages, however, for the sake of simplicity in this article we refer to your spouse as a male.

Listening to divorce advice can save money

Divorce Advice: Lose Your Emotional Attachment to Money

All good divorce advice should acknowledge that there are many parts to breaking up. It would be easier if the end of a marriage could happen in one clean break, of course—if you could go to a doctor, have them reset the bones of your life, and walk away knowing that in X amount of months you could take off the cast and be healed and whole again. But in reality, there’s breaking up legally, physically, emotionally, and financially, to name just a few vital parts of the process. We can’t exactly control how long it will take to make it through to the other side of divorce or who we will be when we get there.

As financial experts who work with women, we know that women, in particular, must recognize that all these parts come into play when divorcing, but at the same time, women must strive to separate them. This is especially true when it comes to money.

You must aim to separate your emotions from your decisions. In fact, you must treat the financial part of your divorce as a business transaction.

Find professional support

But this is easier said than done. A lot of women have anxiety about money precisely because they have an emotional relationship with it. So our first piece of divorce advice is to find support (a coach or therapist who specializes in divorce) to help you learn about your emotions and how they impact your decisions.

A professional can help you learn how to understand, harness, and compartmentalize these emotions. Again, this is particularly important when it comes to money.

Ensure you understand your financial outlook

Our second piece of divorce advice is to work with a financial expert who will take the time to educate you on what your real financial choices are so that five years from now you are in the best financial place you can possibly be in.

The key to managing your money throughout your divorce negotiations and, more importantly, the long-term is to keep your emotions in check as best as possible and focus on looking at your financial FUTURE. A forward-looking focus gives women the greatest chance at getting the best possible divorce settlement. And her best financial settlement will usually avoid spending a lot of money on attorneys and going through a lengthy court process.

You must aim to separate your emotions from your decisions. In fact, you must treat the financial part of your divorce as a business transaction.

The benefits of keeping your emotions in check

One of our clients felt a lot of anger at her husband* when he decided to move out. This ratcheted up further when he did not always live up to his custody obligations, leaving her in a lurch and disappointing their eight-year-old twins. Although their relationship was strained, the couple agreed to try the collaborative divorce process. When giving out divorce advice, I often tell clients this is an excellent and cost effective way to for them to divorce, but it also requires good communication.

Our client worked hard at keeping her emotions in check and the yelling to a minimum. Whenever she needed to speak to her husband about issues, she held her tongue and remained civil. When they hit a tough negotiating bump, trying to work out the amount of child support she would receive and who would pay for the twins’ educational expenses, her relationship with her husband was stable enough so that she called him directly and had a productive conversation.

Our client often shared with us (and her therapist) how difficult and painful each and every interaction with her husband was and how hard it was to keep her emotions in check. Due in large part to her self-control, the negotiations moved along quickly and her financial settlement was equitable. He ended up agreeing to pay a bit more monthly alimony and child support than the guidelines indicated. He also gave her a little more of the joint cash than she expected.

Now six months post-divorce, she has a smile a mile wide. We often use this example he anger and injustice that dominated her thoughts during the process seem like a distant memory, and she relishes the feeling of financial security that comes with winding up with enough money to live a reasonable lifestyle.

The pitfalls of being unable to let go of the past

Contrast this experience with that of another client. She and her husband had a second home in Connecticut where the family spent their summers, and it held special memories for her. When the couple separated, her husband made the Connecticut home his main base, and soon after, his girlfriend moved in. He wanted to buy our client out of her half of the house as part of the settlement. He offered her 10 percent over the market value to move the process along. Angry at him for living there with another woman in seeming bliss, she demanded that the house be sold. She admitted to us that the house had become tainted in her eyes, and she would never want to step foot in it again. But she was determined that he should not get to live there.

We showed her that financially it made no difference whether she received half the value of the house from him as part of the settlement or half the value of the house when it was sold. Unable to let go of her demand despite recognizing the financial reality, she spent the next nine months and tens of thousands of dollars only to have a judge ultimately rule that he could keep the house and pay her half.

The outcome of financial negotiations will dictate what lifestyle a woman will be able to live for years after her divorce. The importance of obtaining the best reasonable financial settlement cannot be emphasized enough. To achieve a good financial outcome requires a cool head and following the divorce advice of professionals who have been in your shoes.

 

Writers, Ellie Lipschitz and Dorian Brown are Certified Divorce Financial Analysts (CDFA’s).  Their specialty is working with women on the business side of their divorce. As CDFA’s, they educate and assist their clients to understand the financial aspects of their divorce so they can confidently negotiate an optimal settlement. 

Whether you are considering a divorce or already navigating the confusing experience, one thing we see making a significant difference for women is the conscious choice to not do divorce alone. Since 2012, smart women around the world have chosen SAS for Women to partner them through the emotional, financial, and oft times complicated experience of Divorce. “A successful divorce requires smart steps, taken one at a time.” ~ Liza Caldwell, SAS Cofounder.
Take a step to hear what’s possible for you and schedule your free consultation now.

*At SAS for Women, we respect same-sex marriages, however, for the sake of simplicity in this article we refer to your spouse as a male.

children and divorce

Will the Kids Be All Right? Long-Term Effects of Divorce on Children

Talk to any splitting parent, and it’s the kids.

No matter where you are in the process — deliberating, looking for divorce help, separated, or even, “I’ve signed the divorce papers, but I still feel like I’m going crazy,” — if you are like I was, you worry: what about the kids?  How will my personal story play out?  How will my kids fare as “children of divorce?”

When I was debating my own divorce, I was fixated on my girls. Their well-being was the single most-deciding factor as to whether I would or not pursue the unspeakable. I had to find out.

In a detached “social scientist” kind of way, I asked various friends and acquaintances who were children of divorce. Did they feel okay? Did they think of themselves as reasonably adjusted? How screwed up were they as a result of their parents’ split? What I heard and discovered were answers that were decidedly mixed.

For example, while one female twenty-something friend was matter-of-fact, telling me the divorce in her family “was not even an issue,” another man in his forties still sounded tired. “There was so much fighting,” he sighed, “I wish they had done it earlier.” Others were more emotional. An old friend I went to college with seemed personally injured (all over again) when I conceded the question was really about me. I was considering divorce and I needed to know how she felt today. She was and is “scarred,” she replied growing cool. It may have happened more than thirty years later but she was still not willing to “forgive her parents.”

Then I looked to the professional community, I asked doctors, shrinks, and counselors, “What is best for the children?” But here, too, I learned no clear-cut answers. The uniform professional response was that when it comes to divorce they had seen both good and damaging results; but everyone I spoke to, in one way or another, encouraged me to reflect on the issue of conflict in the household.

How much conflict is too much?

I wondered. And by what standard of measurement?  We all know that in any relationship no two people always agree, but at what point does the number of disagreements cross the line? My husband and I were not good conflict-resolvers, so, as we grappled with divorce, how could we expect to resolve conflict over our conflict? It sounded like a vicious circle to me. I reflected and Googled more.

If only I could find the data on the long-term effects of divorce on children, I reasoned, I’d have clinical evidence. This information could guide my decision-making then and going forth. But what my forays in the dark turned up, was that just like the story of any marriage, there are always dissenting opinions and mitigating factors that prevent absolute clarity. There are few longitudinal studies that conclude anything decisive about kids and divorce.

The work of two of the better-known researchers, Judith Wallerstein and E. Mavis Hetherington seems at odds.  In The Unexpected Legacy of Divorce: The 25 Year Landmark Study (2001), Wallerstein reports long-term negative effects on children of divorce. In For Better or For Worse: Divorce Reconsidered (2003), Hetherington reports that not all kids fare so badly, and that divorce can actually help children living in high-conflict homes.

Seemingly oppositional, these studies also remain controversial for their methodologies.  They compare “children of divorced parents” as a group to kids whose parents “did not divorce.” The first group is never compared to those kids whose “parents almost divorced,” or to those whose parents “kept it together but fought every day,” or to those whose parents never fought.  It’s a flawed comparison.  It reveals only that being part of a happy family is better than being part of an unhappy one.

What is especially strange and surprising is that as much as divorce is a reality in American society, social science has not yet figured out a way to measure the nuances of our reality.

To some extent, Wallerstein and Hetherington do agree on one thing; as do all the studies and serious commentaries ranging from scholarly work to the more legit blogs to parenting magazines: divorce is bad. Divorce is a stressor that poses short and long term risks.

Learning from experience

What I have learned from my own divorce and subsequent divorce recovery work with clients is that the long-term effects on your children will usually depend on your divorce itself. A peaceful divorce ( — if that is not an oxymoron) or at least a more amicable divorce will have less negative impact on your kids.

Understand that conflict in the home does not always mean out of control fights or domestic abuse. Too few of us realize that all of our words and actions during and after a divorce affect our children. In fact, the actions and words shared between fighting parents are the leading cause of unhappiness in divorced children. For this parents must hold ourselves responsible. Individually or together, we splitting parents often send negative messages to our kids.

You’ve heard that “children are like dry sponges”? So are they also incredibly receptive to their parent’s feelings and the emotions one parent is feeling toward the other. Of course, no one intends to send the wrong message to his or her kids. But there is something about the crisis, our own drained, sleep-deprived or adrenalin-fueled state going through divorce that often has us letting loose or withdrawing, just when our kids need us the most.

Look to yourself first

If you are concerned about your children and divorce, then you must consider your own words and actions.  How will your behavior impact their recovery? Don’t look to others for how the divorce played out on their kids. Do focus on your goal: to minimize your children’s exposure to conflict and negativity.

Suggestion 1: Every day as you face and interact with your children, help them understand that the divorce is not their fault. Be open and available to them when they need to talk. As one client told me recently, her daughter is more anxious than she is usually, now that the separation is starting.  But to my client’s credit, she recognizes it’s not just words her daughter needs: “It’s the extra hug.”

Suggestion 2: Be there for your kids and also try to put in place a way for your children to receive additional support.  A therapist or counselor, as an objective sounding board, can do a lot to help your child understand what is happening and alleviate his/her sense of guilt for the circumstances.  Look for developmentally-appropriate books, videos and resources, too, that will help your child understand what s/he is going through.

Suggestion 3: Above all, show your children that you are a still a family no matter how you define your marital status. Your kids need good parents now more than ever, and this is your chance to do your best regardless of how things have been in the past.

SAS for Women is an invaluable resource for women contemplating a divorce or in the actual throes of divorce. SAS women are educated and prepared, while making smart and thoughtful decisions for everyone they love. You are invited to talk with SAS and learn what is possible for you through a FREE consultation. Schedule your confidential conversation here