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You are here: Home / Archives for Tracy Stewart, CPA

Tracy Stewart, CPA

For over 15 years, Tracy Stewart has helped individuals and couples gain greater transparency of their money, plan for their post-divorce needs and provide invaluable considerations to help support retirement goals during divorce negotiations. Find out more about Tracy Stewart

About Tracy Stewart, CPA

For over 15 years, Tracy Stewart has helped individuals and couples gain greater transparency of their money, plan for their post-divorce needs and provide invaluable considerations to help support retirement goals during divorce negotiations. Find out more about Tracy Stewart

Ask Your Financial Planner: Will Divorce Affect My Credit Score?

June 14, 2019 By Tracy Stewart, CPA Leave a Comment

divorce and credit score

A credit score is an important part of your financial well-being. So, it’s no wonder that many clients ask me whether divorce will negatively affect their credit score. After all, a solid credit score post-divorce can allow for job mobility and financed purchases, while a poor score can limit your options. The answer to this question isn’t a straightforward “Yes” or “No”. Divorce is complex to begin with, and there are many misconceptions at the intersection of divorce and credit history. … [Read more...]

Filed Under: Blog, Divorce and Finance, Our-Featured-Authors, Tracy Stewart

When Putting Off Divorce Becomes a Liability

August 9, 2018 By Tracy Stewart, CPA Leave a Comment

Divorce can be a time of unpleasant conversations, turmoil, and arguments. If you are daydreaming about packing a bag and leaving this mess behind for a few weeks, you are not alone. In fact, many couples choose to separate before divorce. For those who have the financial means to do it, this might mean that one of the spouses moves out of the family home to live elsewhere. There are definite benefits to the moving-out decision. Separate living arrangements can give each spouse a haven to … [Read more...]

Filed Under: Blog, Our-Featured-Authors, Tracy Stewart Tagged With: Divorce, Finances

Financial Planning for Post Divorce

May 29, 2018 By Tracy Stewart, CPA Leave a Comment

financial planner

Divorce is an uncomfortable time for most couples. Even if you are going through the divorce using a collaborative approach, you probably don’t know what to expect from the split – which can be nerve-wracking. If you are anxious about your first meeting with the neutral financial planner, here’s what you need to know to arrive well-prepared and confident. Solo or together? Before your head into that first meeting with the neutral financial planner, think about whether you want to attend the … [Read more...]

Filed Under: •••, Blog, Our-Featured-Authors, Tracy Stewart Tagged With: collaborative divorce, Divorce, Finances, financial planner

Ask Your Financial Planner: How Should We Transfer an IRA in a Divorce?

February 13, 2018 By Tracy Stewart, CPA Leave a Comment

IRA

Many couples make the mistake of assuming that IRA balance transfers in a divorce are easy – just because they don’t require a Qualified Domestic Relations Order or QDRO. It is true that IRA transfers can be done smoothly and without tax consequences to either spouse, but that outcome requires advance planning and careful execution. Here is what you need to know. IRA transfers in a divorce are referred to as a “transfer incident to divorce” to distinguish them from the transfer of qualified … [Read more...]

Filed Under: •••, Blog, Our-Featured-Authors, Tracy Stewart Tagged With: Divorce, Finances, Grey Divorce

3 Smart Steps to Protect Your Finances in a Grey Divorce

January 22, 2018 By Tracy Stewart, CPA Leave a Comment

grey divorce

Did you know divorce came in different colors? Puns aside, “grey” or late-life divorce has become a considerable enough trend to warrant its own category. Every couple’s circumstances are unique: some have grown kids, others are childless; some have built up a considerable next egg while others live paycheck to paycheck. What unites them all is a decision to untangle a family life in their 50’s. Sociologists argue whether this trend is caused by increasing life expectancies, a wider acceptance … [Read more...]

Filed Under: •••, Blog, Our-Featured-Authors, Tracy Stewart Tagged With: Coping with Stress and Emotions in Divorce, Grey Divorce, Money

Managing your Emotions When it Comes to Money

October 27, 2017 By Tracy Stewart, CPA Leave a Comment

emotions surrounding money

What are some of the most common emotions surrounding money? Most of us equate an abundance of money with financial stability, peace of mind and freedom. It is no wonder that a threat or possibility of financial loss can push us into depression and panic. Fear, shame and anger also make the short list. The emotional nature of our relationship with money is particularly obvious at the divorce negotiation table. The normal vortex of divorce emotions (loss, grief, a sense of betrayal) is … [Read more...]

Filed Under: •••, Blog, Our-Featured-Authors, Tracy Stewart Tagged With: Managing Emotions, Managing Money, Money and Divorce

When Your Spouse is not Playing Fair: Forensics in Divorce

September 19, 2017 By Tracy Stewart, CPA Leave a Comment

Not Playing Fair

Divorce is hard enough when everyone cooperates. But what should you do if you suspect that your spouse may not be playing fair? Some might hide money under the proverbial mattress (or inside an air duct), others may create a fictitious company to funnel funds to – all in an effort to underplay their net worth, give up fewer assets or pay less in children’s expenses. This is a difficult situation indeed. All you may have in the beginning is a few facts that aren’t adding up, or continuous … [Read more...]

Filed Under: •••, Blog, Our-Featured-Authors, Tracy Stewart Tagged With: Divorce, forensic accountant, forensics, forensics specialist

Splitting Retirement Assets – Don’t Try This at Home!

March 9, 2017 By Tracy Stewart, CPA Leave a Comment

dividing retirement assets in divorce

Some things are meant to be shared, not divided. That statement is particularly true of retirement assets. 401(k)’s, IRAs and pension plans are notoriously difficult to split. Add in tax consequences and conflicting advice you might be getting from your family, neighbors, attorneys and the Internet, and you have a financial disaster in the making. Here is what you need to know to make good decisions. 1. Retirement funds added during the marriage are typically considered marital … [Read more...]

Filed Under: •••, Blog, Divorce and Finance, Our-Featured-Authors, Tracy Stewart Tagged With: Assets, Finances, Grey Divorce, Money, Retirement

New Concerns Regarding Health Insurance Coverage

July 28, 2010 By Tracy Stewart, CPA Leave a Comment

This post is from Tracy Stewart, CPA, PFS, CFF, CFP, CDFA, a College Station and Houston-based financial planner and Collaborative Law Institute of Texas board member. In many households, health insurance is covered with a policy that is tied to one of the spouses. If the other spouse is a homemaker, or employed where no health insurance is provided, that spouse needs to find replacement health insurance. Prior to the Patient Protection and Affordable Care Act (the Healthcare Reform Bill), … [Read more...]

Filed Under: Blog, Divorce and Finance, Financial Professional Perspective on Collaborative Divorce, Tracy Stewart

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Twelve Tips For Fighting Fair In Marriage

The rules of fair fighting include giving your spouse warning, picking a neutral spot, and getting mutual consent. Also, allow each person equal time to talk and give feedback. Don’t be afraid of … [Read More...]

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