The Negotiation Collaborative, Janet Miller Wiseman, Mediation and Counseling Services

      Imagine feeling secure about your cash flow into your 90s!  When couples come in for divorce mediation, they receive a “collaborative mediation” approach; the skills, strategies, and support of both myself as a divorce mediator, and of our specialized Certified Divorce and Financial Analyst. After presenting each person’s fixed housing and personal expenses, comparing those to their incomes from all sources, subtracting all taxes, including any family support tax deductions or inclusions, the couple will learn in their second meeting what net disposable incomes they will have currently, after paying all of their expenses and taxes.

     When people are in their 50s and 60s, social security amounts and pension, 401(k), or retirement plan incomes, cash, dividends and interest are included to design a cash flow budget that will summarize what amount each person has to live on, sometimes into their 90th decade! The real estate, automobiles, cash, deferred compensation, and other employer plans, all retirement and investment plans are divided equitably between the pair.

     When all of the items on our Negotiation Checklist are completed, a court-ready Separation/Divorce Agreement is prepared and issued to you for review by your independent review and advisory attorney. You will go into the Probate Court by yourselves at about 8:30 a.m. on a weekday to have a Judge review your Agreement, 401 Financial Statement, and any pension or retirement plan documents. 120 days or four months later, you will receive a Judgment Absolute of Divorce. It will probably feel as though you are divorced when you go into court for your divorce hearing, but in actuality, you will have to wait those 120 days or four months to be officially divorced and eligible to be remarried!