One of the most common concerns during divorce is, "What do we actually own, and how will it be divided?" Gathering financial information can be time-consuming and emotionally draining, especially when you discover accounts and benefits that sound more like alphabet soup than assets. You may encounter retirement accounts such as 401(k)s, pensions, and annuities. Others may have more complex assets such as restricted stock units (RSUs), stock options, deferred compensation pla

On Sunday, January 5, 2025, President Joe Biden signed the Social Security Fairness Act. The Social Security Fairness Act repeals the...

In early December, friends and I spent an R & R (Retreat & Renewal) Day at Kripalu Center for Yoga & Health. I eagerly pre-registered for...

At some point 4 words were spoken: “Will you marry me?”. Now, 4 more words have been spoken: “I want a divorce”. Looking ahead and...

In the midst of holiday celebrations, I would like to reach out to those of you going through a divorce, as well as those of you spending...

Divorce is a time to look closely at the issue of money - specifically, will what you have be enough? There’s often no easy answer. You...

A stunning sculpture on the grounds of the DeCordova Museum caught my eye. The sculpture is entitled Song of the Broken Chains, 2020 by...

“When you can't change the direction of the wind – adjust your sails” H. Jackson Brown, Jr. Recently I attended a granddaughter’s high...

I love my friends. I would not have survived my divorce without them. They were a wonderful source of support, comfort, love and advice....

Divorce, Women and Retirement Social Security has been in the news lately due to the announcement of an almost 6% increase in benefits...

More than 100 House Democrats are backing legislation introduced last Friday that would lower Medicare eligibility to age 60. The...

MISUNDERSTANDING WHAT REALLY HAPPENS WHEN DIVIDING DEBT IN A DIVORCE In a divorce you not only divide the marital assets but you also...

Following up on the May class I taught on Social Security: Many women have insufficient credits to collect social security on their own...

Although Social Security is not an asset that can be divided in divorce it is still an important consideration for your future financial...

With tax deadlines rapidly approaching, you may be wondering if you can contribute to your IRA based on the money you receive as alimony....

The U.S. Department of the Treasury and the Internal Revenue Service announced today that the federal income tax filing due date for...

Right now you may be pulling together all of your tax records for last year and wondering if it would just be easier to file as single...

In the course of working as a CDFA I have had many clients who delayed getting divorced out of fear. I myself held on to my marriage way...

Welcome to Divorce Financial Sense LLC. My name is Renee W. Senes and I am a Certified Divorce Financial Analyst (CDFA). I am also...