Divorce Survival Kit
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Do you have questions about alimony, child support
and division of property? Read further to learn the answers
to these questions!
getting the Divorce Survival Kit, you will absolutely save
thousands of dollars in your divorce. We guarantee it!
Research shows that in the first year after divorce,
the lower-earning spouse's standard of living decreases
while the higher-earning spouse's standard of living increases
Do you want to be part of those statistics?
Nationally-recognized financial divorce expert
reveals all the secrets that show you
how to get what you deserve financially, and make sure you and your
family are financially safe and sound for the future after your
What attorneys don't know may cost you thousands
of dollars during your divorce.
The sad truth is over 1.4 million married couples head down this
painful path every year! Statistics show that divorce directly
affects over 4 million people - husbands, wives, children, parents,
co-workers - every year! Some are taken by surprise and never
Arm yourself with the best financial advice you
can get during your divorce.
I am Carol Ann Wilson, a nationally-recognized Certified
Financial Divorce Specialist. I have authored six critically
acclaimed books on divorce, written hundreds of nationally
published articles and have been interviewed on radio and
TV more times than I can remember. I am a highly regarded
expert witness in divorce cases as well. I am committed
to your financial freedom and survival. Thousands of people
have saved millions of dollars with my system, giving them
financial independence and security after their divorce.
"Carol Ann Wilson is the leading expert on financial divorce.
She literally can save you tens of thousands of dollars, during
your divorce by analyzing every single detail of the finances."
This is not your attorney's job, nor his expertise. You already
have enough to worry about during your divorce. You should not have
to worry about your financial future too.
smart. Be educated. Be financially secure.
Studies show that the lower-earning spouse typically has to reduce
their standard of living by as much as 24% after the divorce while
the higher-earning spouse is able to increase their standard of
Does that seem fair? You were both in the marriage 50/50-yet
one of you is having to decrease your standard of living while the
other increases theirs! It is time to take control of your divorce,
and your future. You must learn how to be certain that your settlement
Joyce's husband had done all the investing during their
marriage. At divorce time, he said, "Let's just split everything
50/50. You take this half of the investments and I'll take that
half. OK?" Joyce and her attorney thought that sounded
fair so that's what they did. Joyce came to me after the divorce
for financial planning. What no one had realized was that Joyce
was getting the half of the investments with ALL the limited
partnerships - illiquid, risky, and what's more - she owed $18,000
in taxes on phantom income!
That does not seem like half to me. Does $18,000 make a difference
to you? Will it make a difference in your children's
Learn the Secrets of Divorce with the Divorce
Secret #1: How to
Get a Fair Property Settlement
Do you know where all of your assets are? Do you really know?
How much are they worth? Are you sure?
What really is just yours and what really only belongs to your
Has your attorney addressed the basis in your home? Does your attorney
know about the tax law for divorcing couples that helps them save
money when selling a house with a high capital gain? We find that
many divorce attorneys don't even know about this tax law!
How about hidden assets? Many people are very good at hiding
assets from the IRS, business partners, and even spouses. You will
learn the best way to uncover hidden assets. Understand how to uncover
all hidden assets and to know how to evaluate them and make them
yours. What's fair is fair.
Secret #2: How Much
Alimony Should I Give or Receive?
The next secret is learning about Alimony - are you supposed to
pay it or receive it? How can you be sure that it was assessed accurately?
If you are on the receiving end of alimony payments, how can
you protect them to make sure you get what was awarded to you? Have
all the marital assets been defined accurately to perfectly assess
your payment? Is it going to be enough for your future? When does
it start and stop? How does it affect your taxes?
If you are on the paying end of alimony you have a completely different
set of concerns. You want to make absolute certain that your payments
have been assessed accurately. You don't want to be the only
one suffering financially in order to make ends meet for both parties.
What are the 7 factors that are used in determining alimony payments?
Don't you want to know so that you can be seen in the best light?
Finally, when do they start and when do they stop? How does it affect
Secret #3: Child Support
is to Protect the Children
Child Support is to protect the children, right? The thought process
of many attorneys is as follows…
"Johnnie is graduating from high school in 6 years,
so let's give Mom alimony for 5 years." Or they will say,
"Since Johnnie is graduating in 6 years, let's give Mom
alimony of $3,000 a month for 5 years and then reduce it to
$2,000 a month for an extra 3 years."
This is creating a serious tax problem for Dad. If the IRS considers
the reduction of $1,000 a month to be child support, they will make
it retroactive from the beginning or 6 years (72 months) times $1,000
is $72,000 that he will have to pay tax recapture on!
Learn about the IRS rule that makes the difference.
That is why it is vital that you and your ex-spouse fully understand
the information on the tax treatment of child support. The difference
in knowing and not knowing, could pay for college. Couldn't $72,000
send your child to a good school? Or give them treatment if they
And are you familiar with the Child Contingency Rule? It's okay,
neither is your attorney. Are you starting to see my point? If you
have children, you only have one choice to make during your divorce,
and that is to arm yourself with every single piece of knowledge
that can benefit your children now, in the future and always.
Secret #4: Retirement
Plans and Social Security
The fourth secret has to do with Retirement Plans. Did you know
that this is the #1 place that most attorneys make errors in
dealing with your divorce finances?
Here is the irony, it is also the Number One place that you have
saved. The Number One place that you most likely have the most money.
The Number One place that can potentially secure your future. The
Number One place that has the most tax implications if not handled
correctly. Are you willing to have it be the Number One area for
the most errors?
Marvin's attorney told him that his ex-wife would get half
his 401k which was worth $280,000. Without seeking any other
advice, Marvin withdrew half his 401k ($140,000) and sent it
to his ex-wife. When it came time to file his income taxes,
Marvin was hit with the taxes ($35,000) and a 10% penalty ($14,000)
for a total of $49,000 while his ex-wife got the full $140,000.
He could have transferred the money to her tax-free if he had
sought the advice of a financial professional.
Learn the secret of how to take cash from your spouse's 401k
without paying the 10% penalty (another tax law that many divorce
lawyers don't know!).
And then there are the Social Security Benefits. Did you know
that you are entitled to receive half of your ex-spouse's Social
Security - even if you have never worked? And that you can even
still get healthcare benefits from your ex-spouses employer for
up to 3 years after the divorce? These are things no one is telling
you, but you must know. Get what is legally and rightfully yours.
Secret #5: Make More
Money from your Divorce than your Attorney
And the last secret, but not least, is how to make more money from
your divorce settlement than your attorney.
I know this seems a little harsh, but the reality is that many
divorces cost thousands of dollars more than they need to. You
can actually go through a quick and fairly painless divorce process
while staying out of court. You maintain your dignity, learn your
options, minimize your risk and keep your money where it belongs.
You just need to know how to do it.
We have all seen people we love go through painful
divorces and often come out on the short end of the stick. Don't
let that happen to you and your family. You can learn nearly
everything you need on how to financially survive your divorce from
these 4 audio CD's.
You will feel better immediately, knowing you
have empowered yourself to take action.
easy choice during this difficult time. Choose to be educated.
As a divorce professional, I have found there
is NO substitute for knowledge.
When you order the Divorce Survival Kit, you'll come
out tens of thousands of dollars ahead and secure your future
financially for you and your family.
What You Get:
The complete 4 disc audio CD set of your Divorce Survival
Kit is designed to bring you inside on all the financial
secrets of divorce. It is 100% guaranteed to save money during
your divorce and make sure you and your family are financially secure
for the future -- guaranteed.
Because I am so committed to your financial survival, I have arranged
for a few additional bonuses!
Bonus #1 - Transcript of the entire Divorce Survival Kit
Now you can follow along while listening to the audio CDs. This
makes it easy for you to understand some of the more complicated
issues. Don't worry. Some divorce attorneys don't understand these
issues, either. This is a must read for anyone going through a divorce.
Bonus #2 - One of Carol Ann's most popular books on divorce
You will be asked to choose one at checkout.
Bonus #3 - Forms and Checklist
Get the forms for filling out your Financial Affidavit with income,
expenses, and debts. Get the form for listing your property and
how to divide it. Follow the instructions on the audio CDs on how
to fill out these forms. Get the Checklist of Information to Gather
for Your Attorney.
Bonus #4 - Exclusive 7 Page Report
"How to Help Older Divorcing Women Avoid the
Bag Lady Blues" by Carol Ann Wilson, as re-printed
from the Journal of Financial Planning.
Bonus #5 - 23 Baker's Dozen Lists
(Excerpted from Dollars and Sense of Divorce by Judith Briles,
PhD, Edwin Schilling, JD, and Carol Ann Wilson, CFDP)
- 13 Movies to Rent, Watch, and Learn From
- 13 Most Frequently Asked Questions About Divorce
- 13 Ways to Survive Your Divorce
- 13 Questions to Ask a Therapist
- 13 Ways to Be a Super Sleuther
- 13 Mistakes Even Smart People Make in Divorce
- 13 Tips on Building an Advisory Team
- 13 Questions to Ask Your Attorney
- 13 Most Common Mistakes Attorneys Make
- 13 Requirements for Mediation or Arbitration to Work
- 13 Dos for the Courtroom
- 13 Don'ts for the Courtroom
- 13 Emotional Facts of Divorce
- 13 Things Never to Say to Your Soon-to-Be-Ex
- 13 Property Nuggets
- 13 Important Things to Know About Dividing Pensions in Divorce
- 13 Things to Know About Money and Divorce
- 13 Things the Noncustodial Parent Can Do to Stay in Touch With
- 13 Thoughts From the Custodial Trenches
- 13 Things to Know About Enforcing Orders
- 13 Questions to Ask Before You Leave Your Lawyer
- 13 Topics for a Prenuptial Agreement
- 13 Questions to Ask a Financial Advisor
These lists alone are worth the price
of the Divorce Survival Kit!
ONE-YEAR MONEY BACK
There is absolutely NO RISK on your part. I know this information
will help to secure your financial future after your divorce.
If for any reason you have not learned at least one valuable financial
tip, or are not completely satisfied in any way, just return it
and I will refund your money. And even if you decide to return
the CD's please keep the bonus gifts to help guide you and as a
way for me to say good luck.
What do you have to lose? Absolutely nothing. If you are getting
a divorce, or know of someone that is, you will only lose by waiting.
We offer a 100% Money Back Guarantee if you are not completely
satisfied. That is less than a half an hour of time from your attorney,
and they don't know most of this information. Please, don't wait,
we will sell out of these valuable audio CD's!
Let me tell you about a recent case I worked on. My client, the
wife, was getting divorced from an account executive who earned
$500,000 per year according to the documents that were provided
to us. Just before going to court, I found an additional $100,000
of additional income per year. We were expecting the judge to award
alimony to her in the amount of $6,500 per month. With this new
disclosed income, the judge awarded her $9,500 per month! The client
OK, So How Much?
Let me ask you a question: "Can you put a price tag on
your financial future?"
You can get the complete Divorce Survival Kit for the introductory
price of only $ 97.00.
This is LESS THAN ONE
HALF HOUR with your attorney!
Isn't saving thousands
of dollars worth the price of less than one half hour with your
This is an amazing value! With the inside edge this information
will give you, you will make this cost back MANY TIMES in your divorce.
Are you ready to invest in your future?
Carol Ann Wilson, Certified Financial Divorce Specialist
P.S. Don't wait. Any financial mistake during your divorce will
cost you thousands of dollars in the future.
P.P.S. Remember, there is NO RISK to you! See our Money
Back Guarantee. What do you have to lose?