Madeline Barconi, CDFA®
Description
COLORADO: Boulder County, Denver County
Madeline Barconi, a Certified Divorce Financial Analyst (CDFA®), CFP®, ChFc® plays a crucial role in helping individuals navigate the complex financial aspects of divorce. Utilizing a client-centric approach, Madeline diligently advocates for her clients, delving into every facet of financial well-being during this often stressful time. Here's a breakdown of how she and her team at Breakwater Capital work with clients:
- Empower: Early financial analysis empowers clients to make informed decisions. By understanding the potential financial implications of their choices, clients can save time and avoid making hasty or uneducated decisions.
- Clarity: The CDFA professional provides clients with a clearer view of their financial future. This clarity can prevent unnecessary back-and-forth negotiations between lawyers and settlements, ultimately saving time and money.
- Educate: Madeline and her team help clients explore potential long-term financial pitfalls potentially associated with separation agreements. They understand that "equal" doesn't always mean "equitable," particularly in terms of dividing tax liabilities.
- Plan: The team helps clients develop detailed household budgets, factoring in expenses related to life insurance, taxes, and the cost of living increases. This comprehensive planning ensures that clients have a clear understanding of their post-divorce financial situation.
- Look Ahead: Madeline and her team work to reduce any false expectations surrounding divorce. By educating clients about what to expect and helping them plan for a stable economic future, they assist clients in making sound decisions during the divorce process.
Madeline examines all financial aspects of divorce, including:
- Understanding the short-term and long-term effects of dividing property.
- Analyzing tax issues.
- Assessing pension and retirement plans.
- Calculating the present value of a pension.
- Determining the cost basis and capital gains on the sale of the marital home.
- Evaluating insurance needs and eligibility for COBRA.
- Assessing earning capabilities.
- Establishing assumptions for projecting inflation and rates of return.
- Providing data to show the financial effects of a divorce settlement.
- Being knowledgeable about specific tax laws applicable to divorcing couples.
Engaging an expert to support you during this challenging period will ease the burdens of navigating a divorce and help explore scenarios perhaps not previously considered.
The team at Breakwater Capital provides a valuable partnership to individuals going through divorce with expert financial analysis and planning. Clients are empowered to make informed decisions, plan for their future, and achieve greater clarity about their financial well-being post-divorce.
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