A short presentation by CFP Craig Wear on financial strategies during divorce, focusing on how retirement assets (e.g., 401(k)) can be divided and structured as enforceable transactions. The speaker uses numeric examples (e.g., splitting an $800,000 401(k) into $400,000/$400,000) to illustrate in-marriage vs. post-divorce handling and minimizing perceived loss.
This is an actual transaction. This is not a simulation. It's not some kind of shame transaction. This is a transaction. So if your spouse were to divorce you, you know, it's an enforceable transaction. Now, there are some things that we do to, I guess, minimize the risk, so to speak. So, for example, if you had a. I'm just going to give example. If you had a $800,000 401k, you don't necessarily have to get all 800,000. You can say, hey, you get 400,000, I get 400,000. And we do the in marriage quadrant on the 400,000. That's going to your spouse. So you're still not necessarily losing anything. You're kind of replacing it somewhere else. If you wanted to give her the entire 800,000.
