Financial Advisory for Women

It's About Time.

 

    

Bell Tower Advisors Philosophy

  • We are independent
  • We are fee-only
  • We act as fiduciaries on behalf of our clients
  • We are committed to remain a boutique firm
  • We serve women (and like-minded men!)

Our Services

Bell Tower Advisors: the financial half of your divorce team.

We assist you before, during, and after divorce. We are not attorneys; rather, we help women and their divorce attorneys decide on the most advantageous way to divide marital assets and enable them to negotiate more favorable settlements, especially when there are complicated financial and tax issues.

We typically work alongside our clients’ divorce attorneys, analyzing complex financial assets, evaluating proposed settlement terms and providing projections that enable the client to understand the options, and enable the attorney to negotiate the most favorable divorce settlement agreements. Together, we help our mutual clients emerge in the best financial shape possible: not just in the short term, but into the future as well.

Why do you need a CDFA (Certified Divorce Financial Analyst)?

Divorce can be financially disastrous, particularly for women. It can also be the opportunity to lock in a secure financial future. The difference lies in how she handles the process.

Bell Tower Advisors can serve as the financial expert on your divorce team, working hand in hand with your divorce attorney to guide you through the stressful and complex process of unraveling your marital assets and finances. While your divorce attorney handles legal matters, we will work to ensure you’re financially covered before, during, and after your divorce.

For instance, we can provide financial analyses and projections that show the full financial and tax implications of each proposed divorce settlement offer:  critical information your divorce attorney can use to substantiate and justify your position at the negotiating table or if necessary, in the courtroom.

Can a divorce attorney, CPA or regular financial advisor provide these services?

The divorce financial analyses and projections we put together requires highly specialized expertise that can be best developed with advanced training and experience. The vast majority of financial advisors, CPAs, and divorce attorneys have not undergone this level of training.

In fact, finance is rarely taught in law schools. And while CPAs excel at historical and present-day snapshots, few carry out future projections—and yet it’s these future projections that will tell you whether your future is likely to be financially secure or not.

Likewise, financial advisors tend to have little or no knowledge of the financial and tax implications of divorce. A rare 1% of financial advisors have earned the Certified Divorce Financial Analyst™ designation, and most of them have not completed additional advanced training and education in the field of divorce finance and law.

When we team with your divorce attorney, each party maximizes his or her core expertise for your benefit: your divorce attorney uses his or her significant skill to bolster your legal case, while we apply our specialized expertise to improve your financial outcome.

Divorce, women and money.

For a woman with significant wealth or complicated assets, having someone trained in the financial implications of divorce to assist in decision-making before, during, or after a divorce can make a life-changing difference in terms of her financial well-being.

There are many disastrous case histories where a client’s proposed settlement offer sounded fair and reasonable on paper, even to her experienced divorce attorney. There have been cases where, if a settlement were signed, the wife would run out of money in 15 years while her husband would have walked away with a net worth of many millions of dollars. Unfortunately, this is all too common, and without conducting our analyses, there’s no other way to predict it.

Bell Tower Advisors can serve as your guide to help you navigate your divorce and prepare for your financial life after your divorce is over. 

Specifically, we assist with the following:

  • Gathering data regarding marital and separate property
  • Understanding options presented and available
  • Clarification and identification of short and long term goals and needs
  • Educating on the financial and tax implications of various alternatives
  • Evaluating alternatives and pointing out financial and tax implications
  • Assisting in preparing and processing QDRO request
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