Experiencing Divorce

Experiencing Divorce

While it's Happening

Keep a close eye on your future as you embark on a new path. Five tips to help you take the first steps from a financial perspective: 1. Conduct an inventory of marital assets.
2. Create a detailed household budget.
3. Divide marital assets.
4. Assess joint and individual debt.
5. Evaluate long-term goals, such as college savings and retirement plans.

Review Your Investment Strategy

Now that you have a new financial future it's likely that your current investment tactics may need to be examined and revised. A well-developed investment plan can keep you from veering off course during a change in life's direction.

Prior to investing, prioritize your goals and determine your personal risk tolerance based on your investment horizon and the duration of each portfolio. Review your choices carefully. Educate yourself on how different investment vehicles work, the potential tax advantages of each, and your optimal asset allocation – which is an approach for dividing investments into different categories, such as equities, fixed income and cash. Your optimal portfolio is one balanced according to your needs and should manage volatility based on your age and income level.

Together you and, if applicable, your financial planner, should review your portfolio's development frequently. Adjust and re-allocate if necessary to keep your money working towards your long-term goals.

Take Charge of Your Settlement Options. Avoid financial regrets when the emotional impact of a divorce begins to dissipate. Now is the time to create a fair and acceptable settlement; it is very difficult to change terms once the divorce is final.

Getting to a Fair Settlement. Start by speaking to your financial advisor to determine your financial requirements. By clarifying what you ultimately want from the settlement and articulating how it will impact your future, you can begin to envision how your next life phase will take shape.

Potential AdvisorDirect clients should typically have at least $500,000 in assets to invest. Some RIAs have higher or lower minimum asset requirements. There is no charge or obligation for the initial consultation with the RIA. Once you select a RIA, you will pay advisory fees and standard brokerage fees. Brokerage transactions executed through TD Ameritrade are subject to standard transaction charges. You should review an RIA's Form ADV, other applicable advisor disclosure document(s) and the AdvisorDirect Disclosure and Acknowledgement Document prior to engaging an RIA. The Form ADV contains important disclosure information relative to an RIA's services and fees. RIAs charge an ongoing investment advisory fee for their services. RIAs will pay TD Ameritrade fees for their participation in the AdvisorDirect program. Those fees will usually constitute a percentage of the advisory fees you will pay your RIA. For additional details about the fees paid to TD Ameritrade and other conflicts of interest, please review the AdvisorDirect Disclosure and Acknowledgement Document and ask your RIA about its specific arrangement with TD Ameritrade. You are solely responsible for evaluating any advisor that you are considering. **Please note: Under no circumstances should participation by a certain RIA in AdvisorDirect be considered an endorsement or recommendation by TD Ameritrade for that particular RIA.

Information provided for educational and illustrative use only and is not a recommendation or solicitation to purchase or sell any specific security or strategy and is not intended for persons residing in any jurisdictions where we are not authorized to do business. Although the information provided may include material about the investment process generally, neither TD Ameritrade, Susan Bradley nor any other third party is providing personalized investment advice and does not represent that any such securities or investments are suitable for any website visitor, investor or client. Investing involves risks and losses may occur, including loss of principal. Consider your financial circumstances before investing.Research provided by non-affiliated third parties. TD Ameritrade and its affiliates are not responsible for the content and accuracy of the information provided by any third party.TD Ameritrade does not provide tax or legal advice. Investors should consider their personal circumstances and consult their legal or tax advisor prior to investing.

THIRD PARTY LINKS THIS SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED OR OFFERED BY THIRD PARTIES NOT AFFILIATED WITH TD AMERITRADE. TD AMERITRADE HEREBY DISCLAIMS LIABILITY FOR ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY SITES LINKED TO THIS WEB SITE. BY CREATING A LINK TO A THIRD PARTY WEB SITE, TD AMERITRADE DOES NOT ADOPT, ENDORSE, GUARANTEE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT WEB SITE, NOR IS TD AMERITRADE LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM THAT OF TD AMERITRADE AND THE THIRD PARTY WEBSITE MAY PROVIDE LESS SECURITY THAN THE TD AMERITRADE SITE.

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Brokerage services provided by TD Ameritrade, Inc., member FINRA/SIPC/NFA. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. ® 2012 TD Ameritrade IP Company, Inc. All rights reserved. Used with permission.

Offers require establishing an account with LearnVest, Inc. There is no fee to open and maintain an account with LearnVest, Inc. Offer subject to the execution of an advisory agreement with LearnVest Planning Services, LLC (LearnVest Planning). LearnVest Planning is an SEC registered investment advisor and an affiliate of LearnVest, Inc. LearnVest Planning and TD Ameritrade are not affiliated entities and offer separate services.