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Laurie Itkin
United States
Приєднався 30 вер 2012
Laurie Itkin is a financial advisor, wealth manager, and certified divorce financial analyst (CDFA). She has been a guest on many news programs throughout Southern California discussing a wide range of financial news topics and provides informational videos for Investing for Income, Preparing for Divorce, and Divorce Mediation.
Want to "Protect" Your Pension in a California Divorce?
Will you be receiving a CalSTRS, CalPERS or other type of pension when you retire? If you are getting a divorce, you need to understand how your pension will be treated.
To schedule a consultation with Laurie Itkin, CDFA, visit www.TheOptionsLady.com.
To schedule a consultation with Laurie Itkin, CDFA, visit www.TheOptionsLady.com.
Переглядів: 44
Відео
Interview with Attorney-Mediator Alana Braunstein
Переглядів 422 місяці тому
Attorney-Mediator Alana Braunstein is a divorce mediator and litigator in San Diego County. She discusses her mediation style with Laurie Itkin, CDFA. Contact Alana at sandiegofamilycounsel.com Contact Laurie at www.TheOptionsLady.com
Flat Rate Mediation Money Mentor Nov 2024
Переглядів 332 місяці тому
If you are preparing for divorce mediation or in the middle of the divorce mediation process in California, you need a Mediation Money Mentor because your mediator cannot provide legal or FINANCIAL advice. Contact Laurie Itkin at www.TheOptionsLady.com
Certified Divorce Financial Analyst (CDFA) Services & Fees for Laurie Itkin ("The Options Lady")
Переглядів 1453 місяці тому
List of CDFA services provided by Laurie Itkin and associated fees. Services provided to California residents, only. For more information visit www.TheOptionsLady.com
Financial and Legal Alternatives to a California Divorce or Legal Separation
Переглядів 1234 місяці тому
Did you know there are financial and legal alternatives to divorce for California residents? If you have financial disagreements with your spouse and want to protect yourself financially but are not ready or willing to divorce or legally separate, watch this interview between Laurie Itkin, CDFA and Julie Mack, attorney and mediator. You can reach Laurie Itkin, CDFA, at www.TheOptionsLady.com an...
Do You Need a Divorce Financial Planner?
Переглядів 1645 місяців тому
If you have assets to divide in a divorce, then you probably could benefit from working with a divorce financial planner. Divorce is probably the largest financial transaction in your life. While it is important to focus on getting a fair division now, what is even more important is figuring out which assets you need to ensure you don't risk running out of money later in life. Keep the house bu...
What is a Spousal Support Step Down
Переглядів 1395 місяців тому
There are many options for spousal support in California. Learn what a spousal support "step down" is and whether it may be a good option for your personal situation. Contact Laurie Itkin, CDFA, for more information at www.TheOptionsLady.com. Looking for a divorce mediator? Contact Sarah English Wallace at www.LosAngelesFamilyMeditation.com.
How Not to Freak Out When the Stock Market Goes Down
Переглядів 685 місяців тому
Laurie Itkin, CDFA, is a financial advisor and wealth manager at Coastwise Capital Group. You can contact her at www.TheOptionsLady.com. Disclaimer: This video is not a recommendation to buy or sell Pepsi stock and should not be construed as personalized investment advice.
2024 Changes to California Child Support Calculation
Переглядів 5215 місяців тому
New child support calculations in California become effective September 1, 2024. In this video I demonstrate how much monthly child support payments in most cases will INCREASE, particularly for middle- and upper-middle class parents. For families with one stay-at-home parent, this increase may be considerable. Contact Laurie Itkin, CDFA, at www.TheOptionsLady.com
How to Negotiate a Lump Sum Spousal Support Buyout
Переглядів 4326 місяців тому
In a California divorce spousal support doesn't have to be paid monthly. Learn how to negotiate a lump sum spousal support buyout. Contact Laurie Itkin, CDFA, at www.TheOptionsLady.com for a consultation.
How Restricted Stock Units ("RSUs") and Stock Options are Handled in a California Divorce
Переглядів 1577 місяців тому
If you or your spouse receives equity compensation (i.e, RSUs, RSAs, PSUs, PSAs, ISOs, NQs, or other forms of restricted stock or stock options) and you are divorcing in California, you need The Options Lady. Go to www.TheOptionsLady.com to learn more.
Understanding Treasury Bills and Bonds June 2024
Переглядів 5407 місяців тому
Disclaimer: This video is educational and not intended as personalized investment advice. Presenter: Laurie Itkin, CDFA, and financial advisor at Coastwise Capital Group. You can reach Laurie Itkin by visiting www.TheOptionsLady.com.
2024 Changes to California Child Support Calculation
Переглядів 3,1 тис.7 місяців тому
Effective September 1, 2024, child support in California will be calculated differently. In this video, Laurie Itkin, CDFA, demonstrates several scenarios in which the monthly child support payment will increase, particularly for middle class and affluent families. To learn more about how Laurie Itkin can assist you with your California divorce, visit www.TheOptionsLady.com. #childsupport
Tracing Separate Property of a Retirement Account in California (i.e., 401k, 403b, IRA)
Переглядів 487Рік тому
In this video, I show how I trace separate property in a retirement account when parties are divorcing in California. If you had a balance in your 401k, 403b, or IRA before marriage, and contributions were made to the account during marriage, you need to trace and prove your separate property and the growth on your separate property, otherwise the entire account may be treated as community prop...
Why Divorce Financial Planners Are a Must-Have for Clients
Переглядів 194Рік тому
Lili Vasileff, CDFA, MAFF, CFP describes how divorce financial planners have over the past two decades become an integral part of the divorce process. Divorcing in CT or NY? Contact Lili Vasileff at wealthprotectionmanagement.com/divorce-and-money-matters/divorce-services-for-clients/ Divorcing in California? Contact Laurie Itkin at www.TheOptionsLady.com
Why I joined the Board of Directors of the Association of Divorce Financial Planners
Переглядів 62Рік тому
Why I joined the Board of Directors of the Association of Divorce Financial Planners
Do You Find Yourself in Divorce Fighting Over Something You Don't Even Want?
Переглядів 123Рік тому
Do You Find Yourself in Divorce Fighting Over Something You Don't Even Want?
Interview with ADFP Board Member Traci Provost
Переглядів 27Рік тому
Interview with ADFP Board Member Traci Provost
Interview with ADFP Board Member Donna LaScala
Переглядів 42Рік тому
Interview with ADFP Board Member Donna LaScala
Short Term Investment Solution for Recently Divorced Clients
Переглядів 196Рік тому
Short Term Investment Solution for Recently Divorced Clients
How to Keep Your Low Interest Rate Mortgage in a Divorce
Переглядів 2 тис.Рік тому
How to Keep Your Low Interest Rate Mortgage in a Divorce
Coping with Feelings of Financial Deprivation in Divorce
Переглядів 250Рік тому
Coping with Feelings of Financial Deprivation in Divorce
Popular Strategy for Making Investment Income: Writing Covered Calls and Selling Put Options
Переглядів 115Рік тому
Popular Strategy for Making Investment Income: Writing Covered Calls and Selling Put Options
Creative Options for Spousal Support in California
Переглядів 4,8 тис.2 роки тому
Creative Options for Spousal Support in California
"It Could Happen" Divorce Financial Consulting Package - Laurie Itkin - The Options Lady
Переглядів 1602 роки тому
"It Could Happen" Divorce Financial Consulting Package - Laurie Itkin - The Options Lady
"Divorce Mediation Money Mentor" Consulting Package - Laurie Itkin - The Options Lady
Переглядів 2952 роки тому
"Divorce Mediation Money Mentor" Consulting Package - Laurie Itkin - The Options Lady
How to Keep the House in Divorce - Laurie Itkin - The Options Lady
Переглядів 10 тис.2 роки тому
How to Keep the House in Divorce - Laurie Itkin - The Options Lady
My Flat Rate Divorce Consulting Package called "It Could Happen" - Laurie Itkin - The Options Lady
Переглядів 3352 роки тому
My Flat Rate Divorce Consulting Package called "It Could Happen" - Laurie Itkin - The Options Lady
Top Financial Concerns in Divorce in 2022 - Laurie Itkin - The Options Lady
Переглядів 2513 роки тому
Top Financial Concerns in Divorce in 2022 - Laurie Itkin - The Options Lady
Hi i have a divorce unsettled with division 401 k from my ex wife
You can contact me through my website, www.TheOptionsLady.com.
@LaurieItkin thanks a lot we need to have a trusty communication
Thank you! 🙂
Why should it be less and less when the cost of living goes up and up. A ex husband gets married, and his income goes up an ex-wife gets married and her income goes down and she was the one who supported him and got him a great job because of my dad and I moved out of state left my family and friends because HE WANTED TO PROMOTE in the company, we were doing fine so I move away from family and friends He isolates me cheats and start choking, and beating me. But YOU LADIES THINK I SHOULD TAKE LESS WHEN HE HAS BEEN LIVING GREAT THE WHOLE TIME. I can't even buy my grandkid's b day gifts. PLUS HE IS ALWAYS LATE and that cost me late fees. I can't even remember the last time I bought a new top and my car tires are bold. So many men are on here tell other men how to burn their ex out of alimony I thought females would at least help females. You screw females so men like you, so your in the good old boy group. shame on you suck ups. Trust me when the younger females come in, you'll be out the door!
Budget for divorce legal fees?? Who budgets for a divorce??
❤ "how do you deal with an impass?" But what is "caucussing"?
How long they go back with pay stubs to calculate child support. (I’m in California)
Often they will look at the past 12 months. On your income and expense declaration you must list last month's income and your average monthly income over the last 12 months.
@ one more question how long it take to get child support completed?
@@esduardofuentes637 Too many variables to answer this. You should go to the website for the child support services in your county.
So the law makes you pay if the non earning parent is an underachiever. It would appear to me it should be off their earning potential. Otherwise, there is no motivation for the non earning parent to do better in life.
I think you may be able to pay for vocational evaluation to get an estimate of how much the parent is able to earn, assume jobs are available that match the skills and education. Sometimes full time minimum wage income is imputed.
Informative but depressing as I am about to make changes to custody due to job relocation. I am realizing I will be taken to the cleaners again with a non working ex-spouse. 😢
You may be able to impute full time minimum wage income to your non working spouse. Ask your lawyer if that is possible.
Thanks❤
Insightful video. I thought weddings were expensive (they are). But I see they pale in comparison to the cost of a divorce. Sheesh! People definitely need to see this long before even thinking about getting married.
If you're a woman and you want to divorce your husband just because you don't like him anymore, you don't have right over the stuff that he worked hard for. Its very simple, go tell your new lover to buy you a house and new car.
Ridiculous.
What is ridiculous?
Sounds like my husband, he said he wasn't paying spousal support,. Hr makes the money, but i pay my bills with my money, he flips out even if you take a penny.
Do you have any CDFA recommendations in Virginia?
Bonnie Sewall. www.dakotawm.com
If I'm keeping the house what is realistic number to split the value. Can you remove the brokers fee's and paperwork fees along with needed repairs from the total? Is this a common accepted practice?
Wow Very Nice Video
2:10 👏wow women talking about financial abuse and tell "There are plenty of women who are financial abuser", nice to hear something gender neutral. And many women are worried that they will have to pay spousal support to their unemployed husband. This stupid alimony thing should be removed from the law, when the financial abuser gets rewarded with alimony, in some states life long alimony, for refusing to get a job during marriage. No one should be financially responsible for their ex wife or husbad, that they divorced decades ago. If a support is needed it might be one time payment, or property division, but not life long slavery, to a person who was financially abusing you during the marriage. Children need child support, but not adults who chose not to work during marriage. In most cases husbands are deterred from divorcing unemployed stay at home mom, by potential alimony and guaranteed child support, that greatly exceeds child's needs and might put him on the street. Many many couples try to stay together until the youngest turns 18, and immediately after that divorce.
Yes, many couples stay married until the children graduate from high school. Unlike child support, spousal support can be paid as a lump sum if the parties agree. You can't do that with child support.
13:03 The women who wanted the divorce seem to bounce back pretty quickly. According to statistic in most cases women initiate divorce some 70 to 80% of the times, so they can bounce back faster. Where comes the money that helps those leeches bouncing back so quickly? The poor husband has to financially support two households, and the priory is to keep the lifestyle of the non-employed spouse. In case ex hudand is not a millionaire some women are shocked that alimony is not enough and sometimes they have to get a job after divorce, for the first time in decades, what a terrible surprise. I understand child support, and asset division. But spousal support, especially if the spouse who needs support does not have a job is terrible financial abuse. I wonder how often high earing women have to pay alimony to their unemployed husbands who suffered form substance abuse and gambling. Are those women shocked that they have to pay alimony, so their drug addicted ex husband can maintain his lifestyle and hobbies?
I have worked with numerous women who are the primary breadwinners or sole breadwinners. In California they usually have to pay monthly spousal support or they give their husbands more than 50% of the assets in order to pay spousal support as a lump sum upfront. In California we are gender-neutral.
I had my cs court date today and well according to however the judge entered the income for me and imputed incomr for my ex spouse it ended up higher with the imputed income 🙃
Child support is a huge scam!!!!
Why do you lie to make the woman think she can keep the house? Part time worker at 17 bucks an hour...no way wife can qualify for 750K loan on house. Why do you even think she has that chance? Because you are lying? And then she is going to pay 12K on property taxes. No! She has to leave. Tell the truth. All you give is what ifs - and only if the other lawyer works withy you? Why would the other spouses lawyer help you out? Are you even lucid? All you do is make crazy optimistic scenarios. Stop it! No way she can keep the house and pay for it!
Why I am ordered to pay child support when 75% of my income goes for housing, and the other party claims to be disabled but always. He has been working under the table. He has investments under his parents name. He receives subsidy for housing which allows him to have a two bedroom apartment for his only use. On his parenting time our son stays with grandparents. This is not fair, I won't be able to pay my rent in the next months. This is not beneficial for our son, do not have a place to live with mother. What should I do!! what part of this law could benefit my case?
Please consult a family law attorney who can research case law to see if any of your unique circumstances come into play.
Child Support is a scam, that's why! It unfair calculation
He has an apartment with a vacant bedroom for your son to stay in? Why doesn't your son stay there? Did you divorce him and put yourself in this situation?
Great video! Very informative!
What if the higher paying parent has custody of children and pays for health care and the other parent only takes kids to school when they can walk or bike to school and not paying anything?
You and the other parent need to get clarity on what the time-share is so you can input the appropriate percentages in the Dissomaster calculator.
@@LaurieItkin what I am saying is why does the parent who has custody and happens to make more have to pay anything to a non contributing parent?
@@Holyisyourname You should speak with a family law attorney who can explain the child support laws to you.
My soon to be ex husband shows he makes 0 on his taxes. He received a 5 million dollar inheritance in 2016 when we were married, subsequently quit his job bc he didnt have to work. He also has other investments and 4 rental properties. How will this affect child support if it shows he makes 0 money. When he quit work he was making about 70k a year but that was in 2016 so he'd be more likely to be up near 100k now. He is obviously living off something to pay his mortgage, vacations, daily living. Would the courts estimate what he can make, add in income from house, any income generated from the inheritance to calculate CS? My ex has told me for years that i would have to pay him bc he was a "stay at home dad" (which is not true bc i never agreed to that and was paying for child care) and didnt work.
Do you have a copy of his 2023 tax return? If he has rental properties, he may have so many deductions that they offset his gross income. For child and spousal support purposes, we would add back to his available cash flow many of those deductions. If you have his entire 2023 tax return you can book a paid one-hour consultation with me so we can look at his tax return together and I can make some child and spousal support calculations: calendly.com/theoptionslady/one-hour-paid-consultation
Hahaha Love Win for the boys💪
Hi just wanted to know if I make a 1000 a week do they calculate child support on the 1000 or after they take the taxes out I'm in California thanks for the video
Your gross income (before taxes) is input into the calculator as well as the other parent's gross income. The calculator estimates how much your federal and state income tax is in order to estimate your disposable income available for child support. There are certain deductions like mandatory retirement contributions and health care insurance premiums that are factored in.
Thanks
Have been on disability since March this year do they combine my gross till March and my disability to calculate the the amount thanks again
It’s just a shame that attorneys that are doing these divorces don’t tell their clients about QDROs. So much time wasted.
I have two situations: 1. I think my former spouse withdrew money from one of his retirement accounts that I was entitled to, without my knowledge and 2. DFAS is giving me a hard time about getting my portion from his military pension . The divorce decree listed all of his retirement accounts as being 50/50 community property stating the military portion as “Sims Portion”. My attorney has no clue of how to help me. Where do I turn?
You need to hire a specialized attorney. Search for a "QDRO attorney" in your state.
@@LaurieItkin I currently live in Florida but got divorced in Louisiana. Do I need to get attorney in Louisiana?
Horrible experience with QDRO attorney ... don't respond to clients, provide zero proof they complete to contractual work ... attorneys are not all the same ... some are bad ... some bad ones endorsed here ... numerous bar complaints
why does she owe husband full half equity, if she is accepting half his debt of remaining mortgage?
nice job Laurie. We really have to get you on the Cloud version of FLS :)
What if we decide to get a divorce but then agree to keep the house and continue to share the mortgage payment to be able to pay it off and for our son to inherit it. Would that be possible if we both agreed to it?
Yes, you could become partners and put it in an LLC and rent it out. Or if one of you wanted to stay in the home generally the person staying in the home pays the mortgage, 50% or 100% of the property tax (that's negotiated), all utilities, and regular maintenance.
Thank you for this video. Lots of great information
Can a CFDA come up with child support and spousal support numbers?
The reason I asked Alimony because I cant work because im taking care of our mental disable child. Its so hard
You guys are heroes. Thank you. It takes a tribe. You helped me to help my parents and, in return, help me and my community in the end. Plesse never stop making educational content.
Does a trust only protect a husband in a divorce even if wife is on it as a beneficiary ?
A good one is , What would happen if one of us had to go into a care therapy facility and they legally freeze our bank accounts and savings accounts ? We need separate accounts for that reason. My very wealthy friend's husband had a stroke and he was in rehab for 4 long years and their money was frozen , the well person could not touch it.
How rediculous to consider money more imoportant than fidelity!
Fidelity doesn't pay bills. That's all I meant. You can't live without money.
@@LaurieItkin Gotcha. Sorry I was so critical.
I’m a foreign national, married to USA citizen (CA) in 2013. He visited me twice and never came back. I don’t have children from him. He was a pensioner at the time of marriage,am I qualified for spousal support? I have never been to USA
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We divorced one month ago.i am a stay home mom married 52 years. I am entitled to 50 percent. Does the court contacts a qudro lawyer to do the qudro.
You and your spouse typically hire a QDRO attorney jointly. If there is only one retirement account, the fee should be less than $1000. If your spouse won't cooperate with providing the information, then contact a QDRO attorney and pay him or her yourself and ask for guidance on how to get the records.
@@LaurieItkin I need a QDRO attorney asap! I never knew about QDRO until a month ago and I’ve been divorced since 2013. I was married for 26 years and he was the major bread maker and has really good retirement plans. Can you tell me where to get a lawyer?
@@YahuahElohim Did you and your spouse agree to split his retirement account or did he keep them and you kept something like a house? Your marital settlement agreement/divorce decree needs to spell out if and how the retirement accounts will be divided. You need to find it and read it.
@@LaurieItkin The divorce says I’m entitled to his three different retirement pensions. One is military and the other two are from his plant retirement pension.
@@YahuahElohim I would start with searching for a QDRO attorney in the state where the divorce was processed.
Divorce is a racket for lawyers
Right? $350 and up per hour? Come on.
Men fight, women run away😊
This is MY life!!!!!
Avoid lawyers. They are predators.
Thank you for the financial discussion about divorce. More good reasons to be very certain about choosing and vetting the right person to be my spouse. Good to discuss an exiting strategy for leaving the relationship before a serious relationship starts. Love the comment comparing condoms to prenups.
It's can also be a shock to the husband who has to give up what that have built up
What is your phone number so i can contact you. Im in California