Divorce
What you need to know
to ensure the best financial
outcome for yourself
Impacting 50% of all women regardless of
age or circumstance, divorce has far-reaching
implications for family, lifestyle, and finances.
Decisions made here will have long-lasting effects
on personal and family life. In divorce there are no
winners, but the outcome tends to favor those
who know the facts and prepare accordingly.
FACE THE CHALLENGE WITH EYES WIDE OPEN
CHART THE BEST COURSE FOR YOU AND YOUR FAMILY
NFCA -0.29 -14.26% SPAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04%
36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.1
GDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20 -10.00% VII -0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.0
APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE
HMSY +0.19 +0.60%
HTGC -0.04 -1.10% HTS
-0.07
-0.32%
INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1.68% JOSB +0.85 +4.20% KOPN -0.03 -1.91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% 

DIVORCE—WHAT
YOU
NEED
TOKNOW
04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03% SNWL -0.29 -6. -82% SUPG +0.01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% 
23% ACTG -0.26 -10.40% ALNC -0.69 -4.05% AREX -0.22 -4.45% ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC -0.49 -2.53% BHB -0.98 -5.16% BKMU -0.19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98%
23% DFZ +0.17 +3.05% ///////////////////////////////////////////////////////// CRGN +0.02 +2.67% WXH +0.15 +1.61% AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10
65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03 -2.78% SNFCA -0.29 -14.26% SPAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4
52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04% CLRO 0.17 -5.36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85%
31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.
UNFY -0.20 -10.00% VII -0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% /APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75%
86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60% HTGC -0.04 -1.10% HTS -0.07 -0.32% INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1.68%
20% KOPN -0.03 -1.91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03
-82% SUPG +0.01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% WIRE -0.38 -2.23% ACTG -0.26 -10.40% ALNC -0.69 -4.05% AREX -0.22 -4.45% ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC -0.49 -2.53%
16% BKMU -0.19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05% ///////////////////////////////////////////////////////// CRGN +0.02 +2.67% WXH +0.15 +1.61% AHPI 0.07 -1.3
05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03 -2.78% SNFCA -0.29 -14.2
07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04% CLRO 0.17 -5.36% CNAF 15.5
83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -15.00%
AST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20 -10.00% VII -0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% //////APSG -0.03 -1.00% A
00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60
10% HTS -0.07 -0.32% INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1.68% JOSB +0.85 +4.20% KOPN -0.03 -1.91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39
39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03% SNWL -0.29 -6. -82% SUPG +0.01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% WIRE -0.38 -2.23% ACTG -0.26 -10.40%
05% AREX -0.22 -4.45% ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC -0.49 -2.53% BHB -0.98 -5.16% BKMU -0.19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05%
////////////////////////////////////////////////////// CRGN +0.02 +2.67% WXH +0.15 +1.61% AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0
FT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03 -2.78% SNFCA -0.29 -14.26% SPAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% 
35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04% CLRO 0.17 -5.36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.
HC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20
05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.0
NSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60% HTGC -0.04 -1.10% HTS -0.07 -0.32% INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1.68% JOSB +0.85 +4.20% KO
91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03% SNWL -0.29 -6. -82
01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% WIRE -0.38 -2.23% ACTG -0.26 -10.40% ALNC -0.69 -4.05% AREX -0.22 -4.45% ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC -0.49 -2.53% BHB -0.98 -5.16
19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05%CRGN +0.02 +2.67% WXH +0.15 +1.61% AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37
00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03 -2.78% SNFCA -0.29 -14.26% SPAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.0
AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04% CLRO 0.17 -5.36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0
HX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TO
WER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20 -10.00% VII -0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% ///////////////////////////// APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.5
21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60% HTGC -0.04 -1.10% HTS -0.07 -0
09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1.68% JOSB +0.85 +4.20% KOPN -0.03 -1.91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.6
EAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03% SNWL -0.29 -6. -82% SUPG +0.01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% WIRE -0.38 -2.23% ACTG -0.26 -10.40% ALNC -0.69 -4.05% ARE
ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC -0.49 -2.53% BHB -0.98 -5.16% BKMU -0.19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05% CRGN +0.02 +2.67% WX
AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03
NFCA -0.29 -14.26% SPAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04%
36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.1
GDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20 -10.00% VII -0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.0
APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE
HMSY +0.19 +0.60%Adivorce
HTGC -0.04 can
-1.10%consume
-5.39%
-0.12once
-1.68%divorced,
HTS -0.07 -0.32%
INFI -0.09of-1.13%
INSUin-0.68
ITWO
 JOSB +0.85 +4.20%
thousands
dollars
legal
fees.
And,
both KOPN -0.03 -1.91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% 
04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03% SNWL -0.29 -6. -82% SUPG +0.01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% 
23% ACTG -0.26 -10.40%
ALNC
-0.69
-4.05%
AREX
-0.22
-4.45%
ARL
-0.11
-1.03%
AZZ
-0.16
-0.93%
BCPC
-0.49
-2.53%
BHB
-0.98
-5.16% BKMU -0.19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98%
 will be left to
 find their financial

 This can be difficult for either

parties
footing.
23% DFZ +0.17 +3.05% /CRGN +0.02 +2.67% WXH +0.15 +1.61% AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% 
84% MVC +0.82 +12.85%
-0.06
-3.64%typically
-2.78%
-14.26% those
SPAN +0.07
+0.85%
+0.02 given
+3.92% 
VSCP
PRLS
SCLN -0.03for
SNFCA -0.29
TIIIhave
spouse,
but
more
women,
especially
who
may
up
a +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01
HMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04% CLRO 0.17 -5.36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04
career
to-0.03
take
careRAND
of children
oraging
parents.
46% OKN +0.02 +0.24%
-0.28%
+0.15 +4.17%
RGDX -0.15
-15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20 -10.00% V
PW
WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% / APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 -5.07% 
54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60% HTGC -0.04 -1.10% HTS -0.07 -0.32% INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1.68% JOSB +0.85 +4.20% KOPN -0.03 -1.91
18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03% SNWL -0.29 -6. -82% SUPG +0.0
While
newly
single
may
anticipate
payments,
the
77 -5.07% TIVO -0.35
-5.38%
TTEC -0.04
-0.46%moms
-2.23%
-10.40% regular
ALNC -0.69alimony
-4.05% AREX
-0.22 -4.45% 
ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC -0.49 -2.53% BHB -0.98 -5.16% BKMU -0.19 -2
WIRE -0.38
ACTG -0.26getting
37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05% CRGN +0.02 +2.67% WXH +0.15 +1.61% AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +
fact
is
that
no
one
has
a
right
to
alimony
and
most
divorce
settlements
do
not
01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03 -2.78% SNFCA -0.29 -14.26% SPAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22
15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04% CLRO 0.17 -5.36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch 
85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02
04 +0.44% UNFY -0.20 -10.00% VII -0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +
DEP -0.41 -2.86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60% HTGC -0.04 -1.10% HTS -0.07 -0.32% INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO SB +0.85 +4.20% KOPN -0.03 -1.91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM
NWL -0.29 -6. -82% SUPG +0.01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% WIRE -0.38 -2.23% ACTG -0.26 -10.40% ALNC -0.69 -4.05% AREX -0.22 -4.45% ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC
HB -0.98 -5.16% BKMU -0.19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05% ////////////////////////////////////////////////////// CRGN +0.02 +2.67% WXH +0.15 +1.61% AH
ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03 -2.78% SNFCA -0.
PAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04% CLRO 0.17 -5.36% CN
DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -1
ch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20 -10.00% VII -0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% APSG -0.03 -1.00% 
00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60
10% HTS -0.07 -0.32% INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1.68% JOSB +0.85 +4.20% KOPN -0.03 -1.91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39
Forunch
theaverage
couple
marrying
for
the first
time
recent
the
lifetime
probability
of TTEC
divorce
or separation
SHOR -0.37 -8.92%
-0.91 -6.03%
-0.29 -6.
-82% in
+0.01years,
+0.63% 
TG -0.77
-5.07% 
TIVO -0.35 -5.38%
-0.04 -0.46%
39% SCL -1.66 -6.43% SEAC 4.32
SIGM
SNWL
SUPG
WIRE -0.38 -2.23% ACTG -0.26 -10.40%
05% AREX -0.22 -4.45% ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC -0.49 -2.53% BHB -0.98 -5.16% BKMU -0.19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05%
remains
between
and
.
(National
Marriage
Project
at
the
University
of
Virginia)
67% WXH +0.15 +1.61% AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% P
CLN -0.03 -2.78% SNFCA -0.29 -14.26% SPAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch
04% CLRO 0.17 -5.36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03
15 +4.17% RGDX -0.15 -15.00% About
SSE 5.75 unch TAST
-0.17 -5.82%
TCX 0.36 unch TOFC
unch and
TWER +0.02 +2.74%
+0.04 +0.44%end
-10.00%(Jennifer
-0.01 -0.06% ACFN +0.09 +4.18
UBOH
UNFY
VII -0.05 -1.01%
WVFC
of first
marriages,
of4.75
second,
of third
marriages
in-0.20
divorce.
Baker,
Forest
73%
4
Face the Challenge with Eyes Wide Open
By any measure divorce is a messy business. It upends families
and forces couples who once expected to grow old together to
untie the knot and rebuild their lives. While the emotional toll
of divorce is devastating, the financial toll is often just as severe.
DID YOU KNOW? | Facts and figures about divorce
40%
50%
50%
67%
74%
Institute of Professional Psychology, Springfield, Missouri)
Most divorce settlements do not provide spousal support.
Fewer than half of all custodial parents (women and men) receive the full amount of child support that they
are due.
Divorce cuts a person’s wealth by 77% compared to that of a single person and being married nearly doubles
comparative wealth. (Jay Zagorsky, author and a research scientist at Ohio State University ‘s Center for Human
Resource Research)
provide spousal support. If a spouse is awarded anything, it is typically short-term
maintenance that may last only a few years. In addition, fewer than half of all
custodial parents receive the full amount of child support ordered in the divorce.
In addition to a change in income, newly single individuals may also face
increased living costs as well as a loss of retirement savings. Whether they have
children or not, couples who pool resources and jointly save for retirement tend
to fare far better financially than those who decide to split up. Many couples
need two incomes to maintain their lifestyle and, if the couple was living on just
one income, it will now have to support two households, at least temporarily. If
a couple has children, a divorce often results in unforseen additional costs, such
as increased travel expenses to visit children and the need for duplicate sets of
things like toys and clothes.
Whether you are the main breadwinner, half of a dual-earner couple, stay-athome mom, or childless, you will want to be prepared to secure the best financial
outcome. This entails gaining a thorough understanding of your finances as well as
knowing exactly what you are entitled to. You will also need to think through the
consequences of any financial decisions you make during the divorce proceedings.
For example, you may be emotionally attached to the family house but will you be
able to afford its upkeep once you are divorced?
Once you have a thorough understanding of your total assets and what you want
from the divorce, you will need to consider the way in which you wish to receive
your settlement. If you are awarded alimony you will have the option to receive
a lump sum or regular periodic payments. Similarly, if you claim a share of your
former spouse’s retirement benefits you could take an immediate payment based
on an estimate of the future value of your ex-husband’s pension. Or, you could
seek a deferred payout of benefits, which would begin as soon as your ex-husband
starts collecting his pension and would be paid out in regular periodic payments.
The financial decisions you make during this emotionally challenging time can have
significant long-term consequences, but you needn’t go it alone. There will never
be a better time than right now to turn to a trusted financial advisor to help guide
you through the financial complexities of divorce. Knowing that a professional is
helping you proactively address your financial future gives you one less thing to
worry about in an otherwise difficult time.
This guide is adapted
from Money Smart
Women by Janet Bodnar.
Ms. Bodnar is the Editor
of Kiplinger’s Personal
Finance magazine and
a nationally recognized
expert in the field of
family finances.
NFCA -0.29 -14.26% SPAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04%
36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.1
GDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20 -10.00% VII -0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.0
APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE
HMSY +0.19 +0.60%
HTGC -0.04 -1.10% HTS
-0.07
-0.32%
INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1.68% JOSB +0.85 +4.20% KOPN -0.03 -1.91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% 

DIVORCE—WHAT
YOU
NEED
TOKNOW
04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03% SNWL -0.29 -6. -82% SUPG +0.01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% 
23% ACTG -0.26 -10.40% ALNC -0.69 -4.05% AREX -0.22 -4.45% ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC -0.49 -2.53% BHB -0.98 -5.16% BKMU -0.19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98%
23% DFZ +0.17 +3.05% ///////////////////////////////////////////////////////// CRGN +0.02 +2.67% WXH +0.15 +1.61% AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10
65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03 -2.78% SNFCA -0.29 -14.26% SPAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4
52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04% CLRO 0.17 -5.36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85%
31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.
UNFY -0.20 -10.00% VII -0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% /APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75%
86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60% HTGC -0.04 -1.10% HTS -0.07 -0.32% INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1.68%
20% KOPN -0.03 -1.91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03
-82% SUPG +0.01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% WIRE -0.38 -2.23% ACTG -0.26 -10.40% ALNC -0.69 -4.05% AREX -0.22 -4.45% ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC -0.49 -2.53%
16% BKMU -0.19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05% ///////////////////////////////////////////////////////// CRGN +0.02 +2.67% WXH +0.15 +1.61% AHPI 0.07 -1.3
05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03 -2.78% SNFCA -0.29 -14.2
07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04% CLRO 0.17 -5.36% CNAF 15.5
83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -15.00%
AST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20 -10.00% VII -0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% //////APSG -0.03 -1.00% A
00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60
10% HTS -0.07 -0.32% INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1.68% JOSB +0.85 +4.20% KOPN -0.03 -1.91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39
39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03% SNWL -0.29 -6. -82% SUPG +0.01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% WIRE -0.38 -2.23% ACTG -0.26 -10.40%
05% AREX -0.22 -4.45% ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC -0.49 -2.53% BHB -0.98 -5.16% BKMU -0.19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05%
////////////////////////////////////////////////////// CRGN +0.02 +2.67% WXH +0.15 +1.61% AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0
FT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03 -2.78% SNFCA -0.29 -14.26% SPAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% 
35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04% CLRO 0.17 -5.36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.
HC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20
05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.0
NSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60% HTGC -0.04 -1.10% HTS -0.07 -0.32% INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1.68% JOSB +0.85 +4.20% KO
91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03% SNWL -0.29 -6. -82
01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% WIRE -0.38 -2.23% ACTG -0.26 -10.40% ALNC -0.69 -4.05% AREX -0.22 -4.45% ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC -0.49 -2.53% BHB -0.98 -5.16
19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05%CRGN +0.02 +2.67% WXH +0.15 +1.61% AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37
00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03 -2.78% SNFCA -0.29 -14.26% SPAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.0
AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04% CLRO 0.17 -5.36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0
HX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TO
WER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20 -10.00% VII -0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% ///////////////////////////// APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.5
21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60% HTGC -0.04 -1.10% HTS -0.07 -0
09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1.68% JOSB +0.85 +4.20% KOPN -0.03 -1.91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.6
EAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03% SNWL -0.29 -6. -82% SUPG +0.01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% WIRE -0.38 -2.23% ACTG -0.26 -10.40% ALNC -0.69 -4.05% ARE
ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC -0.49 -2.53% BHB -0.98 -5.16% BKMU -0.19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05% CRGN +0.02 +2.67% WX
AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03
NFCA -0.29 -14.26% SPAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04%
36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.1
GDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20 -10.00% VII -0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.0
APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE
HMSY +0.19 +0.60% HTGC -0.04 -1.10% HTS -0.07If
-0.32%
-1.13% INSU consult
-0.68 -5.39%
ITWO -0.12
-1.68%
-0.03
-1.91% what
LONG +0.18
+3.51% entails
LUFK -0.24 -0.86% MTXX -0.23 -1.37% 
INFI -0.09
 JOSB +0.85
KOPN
a divorce
is imminent,
afamily
law
attorney.
An +4.20%
attorney
can
explain
a divorce
04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03% SNWL -0.29 -6. -82% SUPG +0.01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% 
23% ACTG -0.26 -10.40% ALNC -0.69 -4.05% AREX
-0.22
-4.45%
ARL
-0.11
-1.03%
AZZ
-0.16
-0.93%
BCPC
-0.49
-2.53%
BHB
-0.98
-5.16%
BKMU
-0.19
-2.62%
CBZ
-0.37
-5.60%
CGNX -0.40 -4.02% CLRT -0.05 -2.98%
 options (e.g.,
 mediation, collaboration,




and the legal
litigation)
for obtaining
one. Remember,
nomatter
23% DFZ +0.17 +3.05% /CRGN +0.02 +2.67% WXH +0.15 +1.61% AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% 
which
legalSNFCA
option
select,
your
should
each
have
your
own
representation.
84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN
-0.03 -2.78%
-0.29you
-14.26%
+0.07and
+0.85%
+0.02 +3.92%
+9.09%
-0.22
-3.67%
SPANyou
TIIIpartner
VSCP +0.09
AIRT
AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01
HMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04% CLRO 0.17 -5.36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04
46% OKN +0.02 +0.24% PW -0.03 -0.28% RANDYou
+0.15should
+4.17% RGDX
-15.00%a SSE
5.75 unchadvisor
-5.82%
0.36 unch TOFCto
4.75
unchyou
+0.02 +2.74%any
+0.04 +0.44% UNFY -0.20 -10.00% V
TAST -0.17and
TWER
UBOH
also-0.15
consult
financial
anTCX
accountant
help
determine
financial
WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% / APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 -5.07% 
54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE and
-0.05 -0.75%
-0.04 -1.10%
INFI
-0.09 -1.13%
-0.68 -5.39% outcome
tax consequences
a divorce
settlement
andto
craft
the best
for yourself.
HMSY +0.19 +0.60%of
HTGC
HTS -0.07 -0.32%
INSUfinancial
ITWO -0.12 -1.68%
 JOSB +0.85 +4.20% KOPN -0.03 -1.91
18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03% SNWL -0.29 -6. -82% SUPG +0.0
Keep
in-2.23%
mind
too-0.26
that-10.40%
you 
should
not
rely
on your
family
address
complex
77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% WIRE
-0.38
ALNC -0.69
-4.05%
-0.22 -4.45%
-0.11attorney
-1.03% AZZto
-0.16
-0.93% BCPC
-0.49 -2.53% BHB -0.98 -5.16% BKMU -0.19 -2
ACTG
AREX
ARLlaw
37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05% CRGN +0.02 +2.67% WXH +0.15 +1.61% AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +
financial questions. While they are well qualified to deal with the law as it relates to your divorce,
01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03 -2.78% SNFCA -0.29 -14.26% SPAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22
15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% they
CHMP are
+0.33not
+21.97%
-0.09 -8.04%
-5.36% CNAF
15.51
unchalso
FFDF 11.25 consulting
unch HIFN +0.01 +0.26% INHX 0.24 unch 
CKX 11.01 unch
CLRO 0.17advisor.
DIT +0.83
a substitute
foraCLFD
qualified
financial
You
may
wish+3.76%
to consider
85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02
04 +0.44% UNFY -0.20 -10.00% VII -0.05 -1.01% 
WVFC a
-0.01
-0.06% ACFN
+0.09 +4.18%
-0.01 -1.73% APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +
with
certified
divorce
financial
AFOPanalyst.
DEP -0.41 -2.86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60% HTGC -0.04 -1.10% HTS -0.07 -0.32% INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO SB +0.85 +4.20% KOPN -0.03 -1.91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39% RGR +0.04 +0.39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM
NWL -0.29 -6. -82% SUPG +0.01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% WIRE -0.38 -2.23% ACTG -0.26 -10.40% ALNC -0.69 -4.05% AREX -0.22 -4.45% ARL -0.11 -1.03% AZZ -0.16 -0.93% BCPC
HB -0.98 -5.16% BKMU -0.19 -2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05% ////////////////////////////////////////////////////// CRGN +0.02 +2.67% WXH +0.15 +1.61% AH
ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% PRLS -0.06 -3.64% SCLN -0.03 -2.78% SNFCA -0.
PAN +0.07 +0.85% TIII +0.02 +3.92% VSCP +0.09 +9.09% AIRT -0.22 -3.67% AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch CLFD -0.09 -8.04% CLRO 0.17 -5.36% CN
DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -1
If you
are
getting
divorced,
here 
are
some
quicktips
to -1.01%
help you
take
of +0.09
your+4.18%
finances
ch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch
+0.02
+2.74% 
UBOH +0.04 +0.44%
UNFY
-0.20 -10.00%
VII -0.05
WVFC
-0.01 control
-0.06% ACFN
TWER
AFOP -0.01 -1.73% APSG -0.03 -1.00% 
00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 -5.07% ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60
immediately:
10% HTS -0.07 -0.32% INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1.68% JOSB +0.85 +4.20% KOPN -0.03 -1.91% LONG +0.18 +3.51% LUFK -0.24 -0.86% MTXX -0.23 -1.37% PSEC -0.20 -3.04% QCOR -0.12 -2.39
39% SCL -1.66 -6.43% SEAC 4.32 unch SHOR -0.37 -8.92% SIGM -0.91 -6.03% SNWL -0.29 -6. -82% SUPG +0.01 +0.63% TG -0.77 -5.07% TIVO -0.35 -5.38% TTEC -0.04 -0.46% WIRE -0.38 -2.23% ACTG -0.26 -10.40%
n Set
upBCPC
your-0.49
own
checking
savings
accounts.
05% AREX -0.22 -4.45% ARL -0.11 -1.03% AZZ -0.16
-0.93%
-2.53%
-5.16%
-2.62% CBZ -0.37 -5.60% CGNX -0.40 -4.02% CLRT -0.05 -2.98% CNU -0.02 -1.23% DFZ +0.17 +3.05%
BHB -0.98and
BKMU -0.19
67% WXH +0.15 +1.61% AHPI 0.07 -1.33% ALDA -0.05 -0.95% CSLR 5.00 unch CVV -0.16 -6.37% CYAN +0.00 +0.01% EWST -0.01 -0.10% FLL 0.09 -8.65% KSW -0.10 -4.69% LFT -0.15 -0.84% MVC +0.82 +12.85% P
CLN -0.03 -2.78% SNFCA -0.29 -14.26% SPAN +0.07
+0.85%
TIII
+0.02
+3.92%
VSCP
+0.09
+9.09%
AIRT
-0.22
-3.67%
 new assets
 in your own 
AMEN -0.15 -4.76% AWH -0.52 -1.55% BITI +0.01 +0.35% CHMP +0.33 +21.97% CKX 11.01 unch
n Acquire
name.
04% CLRO 0.17 -5.36% CNAF 15.51 unch DIT +0.83 +3.76% FFDF 11.25 unch HIFN +0.01 +0.26% INHX 0.24 unch KIRK +0.08 +2.85% LBCP -0.15 -2.31% LKI -0.07 -5.04% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03
15 +4.17% RGDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20 -10.00% VII -0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18
n Postpone purchases and conserve cash.
73%
6
Chart the Best Course for You and Your Family
For a woman to regain independence, developing an action
plan and taking control is key. These six steps can help ensure
the best possible financial outcome for you and your family.
STEP 1 Get Expert Advice
STEP 2 Become Financially Independent
STEP 3 n
Get a credit card in your own name.
n
Close all joint accounts or, at the very least, change signature authority on any joint accounts so
both parties must sign to complete a transaction.
Compile a Financial Inventory
In any divorce case, an attorney’s or financial advisor’s advice—and the award you eventually get—
depends largely on the information you provide. So you will want to compile a detailed financial
inventory, including all pay stubs, bank statements, and tax returns for the past seven years and as
well as a complete list of assets. Also include a list of all passwords for any online financial records.
STEP 4 Learn What You Are Entitled To and Assess Financial Consequences
Should you keep the primary home, vacation home, or do you want the stock portfolio? Before
you decide on how to divide marital assets you will want to consider all the related financial
consequences and tax implications. Here are things to keep in mind:
STEP 5 n
Retirement funds can be a couple’s largest single asset, so consider asking for a share of your
spouse’s pension or retirement savings. Be careful to determine how these assets will be
distributed and when.
n
You may be entitled to 50% of your former spouse’s Social Security benefit.
n
Payouts give you control of any monies due you but can generate a tax burden depending on
what you do with the money.
n
As you divide assets, take taxes into account. Whoever receives assets that have appreciated in
value will get stuck with the tax bill.
Look Beyond Child Support
You will want to address as many child-related financial issues as possible in the divorce
agreement. For example, if your child has special needs or gifts, who will pay for related services?
Who is going to pay for summer camp? And, if your kids are approaching driving age, who will pay
for car expenses?
You may also wish to build into the divorce agreement a procedure for periodically reviewing the
settlement to allow for changes in the financial needs of your children. And, most importantly,
don’t pretend that nothing has changed financially. Let your kids know about the financial impact
the divorce will have on their lives and work with them to help reduce costs.
STEP 6 Moving On
Once you are divorced, make sure that all beneficiaries of your and your ex-spouse’s retirement
accounts and insurance policies are in line with your settlement agreement. Also, if you gave your
former spouse power of attorney or if you gave him a healthcare proxy through a health care
directive, you will likely want to change this. You may also wish to name a property guardian to
manage your children’s finances in the event that something happens to you. If remarriage is in
your future, consider a prenuptial agreement. Should you get divorced a second time, a prenuptial
agreement will make the process less complicated and will protect you financially.
The information herein has been provided by The Kiplinger Washington Editors, Inc., an independent
publisher of personal finance editorial content, and other parties that Calvert Investments believes to
be reliable. This content is not guaranteed for accuracy or completeness. Calvert is not responsible for
any direct or incidental loss incurred by relying on any of the information in this publication.
Information provided is general and educational in nature. Neither Calvert Investments, Inc. nor its
affiliates provide legal or tax advice. Nothing in this presentation should be construed as legal or tax
advice. Before acting on any such information, consult your own attorney, accountant, or tax advisor
regarding specific legal or tax situations.
www.Calvert.com
For more information on any Calvert fund, please contact your financial advisor, call Calvert
at 800.368.2748, or visit www.calvert.com for a free summary prospectus and/or prospectus.
An institutional investor should call Calvert at 800.327.2109. An investor should consider the
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The summary prospectus and prospectus contain this and other information. Read them carefully
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BR10071-201109
25%
Cert no. SW-COC-2142