Navigating a divorce is an emotionally taxing journey, but the long-term financial and tax implications often present a secondary, complex challenge that requires careful strategy. In this episode of Her Wealth: Unscripted, Sarah Gelsheimer sits down with Susan Jones—a tax attorney, CFP®, and Certified Divorce Financial Analyst—to discuss how to protect your assets during and after a marital split. We explore why the timing of your filing status matters, the hidden "tax traps" in keeping the family home, and why $1 million in a Roth IRA is vastly different from $1 million in a traditional IRA. Our goal is to empower you with the technical knowledge needed to make informed decisions during a time of significant personal upheaval.

You’ll learn:

• Why your filing status on December 31st dictates your entire tax year.
• The reality of "Joint and Several Liability" and why filing jointly isn't always the best move.
• How the 2018 tax law changes eliminated the "win-win" deduction for alimony.
• The critical difference between $250k and $500k capital gains exemptions when selling a home.
• Why keeping the family home might leave you with fewer liquid assets than you realize.
• How to negotiate the division of estimated tax payments before the papers are signed.
• The importance of tax projections to avoid an "April Surprise" post-divorce.

Chapters:

00:00 – Introduction to Susan Jones and the CDFA Credential

01:45 – Why Women Often Face Greater Risks in Divorce Financials

03:19 – Timing the Split: Deciding When to File

04:14 – The Risks of Joint Tax Liability

05:33 – Post-2018 Alimony Rules and Retirement Impacts

06:44 – Head of Household Status and Child Tax Credits

09:14 – The "Home Trap": Capital Gains and Cost Basis

13:00 – Liquid Assets: Roth vs. Traditional IRAs

16:18 – Managing Estimated Payments and Tax Projections

At Sorelle Wealth Partners, we believe that financial clarity leads to confidence. For more insights on navigating complex financial transitions, visit the Sorelle Journal at our website. If you are currently navigating a divorce and need a specialist's eye on your assets, we are here to help.

Welcome to another episode of Her Wealth: Unscripted, the podcast from Sorelle Wealth Partners where we explore the powerful intersection of life transitions and financial wellbeing. In this episode, hosts Susan Jones and Sara Gelsheimer are joined by nervous system and self-trust coach Amy Kelly to discuss how to move from survival mode into grounded power.

When life feels like it’s falling apart—whether due to divorce, burnout, or a major identity shift—the pressure to make big financial and life decisions can be paralyzing. Amy shares her personal journey of rebuilding her life after a divorce at 27, moving across the world alone, and eventually discovering the physiological keys to true recovery. We dive into why traditional "self-care" often isn't enough and how regulating your nervous system is the essential first step before tackling your bank account.

In this episode, you’ll learn:

• The Science of Safety: Why making critical decisions—like selling a house or shifting a career—while in a "fight, flight, or freeze" state can lead to costly mistakes.
• The "Hold Method" Framework: How to move from overthinking and survival mode into a state of clarity and confidence.
• Practical Regulation Tools: Amy’s approach to morning rituals, including accessible breathwork, meditation, and building "body belief" through gratitude.
• Tapping Into Female Intuition: How to quiet the noise of constant busyness and social media to finally hear your own internal guidance.
• The Power of One Step: Why looking at a "10-step plan" is overwhelming during a crisis, and how to focus on the single next right habit.
• Identifying Dysregulation: Key signs you are running on empty, from chronic fatigue and "brain fog" to the inability to make simple daily choices.

Her Wealth: Unscripted is dedicated to helping women feel more intentional and less overwhelmed in their financial and personal lives. It’s more than the numbers; it’s the life they make possible.

✨ Ready to regulate and rebuild?

• Visit Sorelle Wealth Partners: https://www.sorellewealthpartners.com
• Connect with Amy Kelly: https://www.amykellycoach.com/
• Listen to Amy’s Podcast: Check out Dream Big with Amy for more conversations on self-leadership and authentic living.

If you’re navigating a transition and need a partner to help you find your footing, our team is here to guide you with clarity and empathy.

#NervousSystemRegulation #WomenAndWealth #LifeTransitions #DivorceRecovery #SelfTrust #SorelleWealthPartners #HerWealthUnscripted #FinancialWellness

Welcome to Episode 5 of Her Wealth: Unscripted, the podcast from Sorelle Wealth Partners, where women have honest, judgment-free conversations about money, life transitions, and financial decision-making.

In this episode, hosts Susan Jones and Sara Gelsheimer explore the profound impact of philanthropy. While many see charitable giving through the lens of tax planning and financial efficiency, Susan and Sara highlight that true philanthropy starts with a service-oriented heart and clear donor intent.

You’ll learn:

• Strategic Giving: Why Donor Advised Funds (DAFs) are one of the most flexible tools for receiving an immediate tax deduction while retaining future gifting control.
• Maximizing Retirement Assets: How to use Qualified Charitable Distributions (QCDs) from your IRA to satisfy your Required Minimum Distribution (RMD) age requirements tax-efficiently.
• Inheritance & Charity: The benefits of naming a charity as an IRA beneficiary to avoid the "tax burden" on family members.
• Raising Charitable Children: Practical strategies for instilling a philanthropic mindset in the next generation through family meetings and shared missions.
• Due Diligence: How to use tools like Charity Navigator to ensure your contributions reach the end cause with minimal administrative waste.

Whether you are looking to simplify your year-end receipts or want to build a lasting family legacy, this episode provides the technical expertise and emotional insight to align your wealth with your values.

Her Wealth: Unscripted is here to support women through every phase of life—without jargon, shame, or overwhelm.

✨ Ready to build a financial plan that evolves with you? Visit Sorelle Wealth Partners: https://www.sorellewealthpartners.com

Our team is here to guide you with clarity, partnership, and confidence—because money is more than numbers. It’s the life they make possible.