did everybody jody toeplitz we to me divorce decor warehouse becomes a home you know about what i do already i take people that are literally going from weeden me married to single and i transform their space to make them feel happy and comfortable in their home so they can move forward after a transition such as divorce speaking of divorce i have to really call guests with me today who specialize micro specialize in women's health finance being healthy financially is really really important and i am one of those women guilty of like one i don't even know how much to leave for a tip like i'm lost so i am so delighted to have my two guests here let me introduce you stephanie boy those stephanie boyer who heads up a a p g women after budgie also has a p g which has emerged with freedom of divorce advisers to have their own special division so it's you you you you both or your company educates women that's wonderful so then you go even deeper and help women like me in divorce and that's hugely important so what i want to start off by saying is  for the show started boyer and he said she said you got to get together and you guys going to work together what do you do and so what happened we got together we started talking and it looks like we just have so much synergy and there's so many things that we can do for each other for our clients meaning things that we can help with i'm a big proponent of and then i'll let you explain i know my story and i told you my story if i had come across people like you when i was first even contemplating a divorce in the middle of the divorce or even at the end and i'm going to ask you here's what you can prepare for i'm going to ask you before divorce contemplating during and after some advice but if i had met you personally were turned out a little bit better financially when you're going through a divorce it's so stressful you're not paying attention to money everything's that is a nightmare you're just you're emotionally revved up and you're hoping that you have a divorce attorney that has your back mine didn't but ok just saying there are a lot of wonderful divorce attorneys out there but you know what i learned i learned that before is especially if you're contemplating divorce get th certified financial planner first you guys are willing to walk into a divorce attorney with someone like me and say hey let's all sit down and talk right now measure whether too many people out there know what a c f p is can you explain that because some don't know c f p stands for certified financial planner right and that's so important because to be to get that mark you have to pass an exam a comprehensive exam which covers economics accounting  investments right insurance the state planning the capstone course that takes through a case study and two years of experience so not everybody has that mark so if you're looking for a financial advisor you have to have a c f p you know whether the other aspect of it is part of the ethics for a c f p is to put the interests of the client ahead of their own that's critical which means explain that you're not pushing a particular product on me because you have to read do you know we are independent we don't have any products so we are looking for solutions for our clients and oftentimes when you have a financial adviser they may be work places but they may be working for a big names and they have to push that they have to sell it they have to meet a quota don't they yeah and it's not just about investment side yeah it's it's kind of like a physician treating the entire patient right no just one aspect that's sounds like a small difference but it's you know it is huge because we are an entire we are one entity when you can't just treat or address one part of the divorce yours let's just start with finances what's so cool about you guys and stephanie i'm very excited about this is that i have had i know a lot of c s p's i know a lot of advisers  great wonderful what so called about a p g is you have a p g women caters to things i want to talk about because i'm so excited about yes and nicole if you're listening pay attention because you need them you have a whole division that empowers women to understand finance i am that one you know like we laughed about in the restaurant when we all met on the one of the like how much am i leaving for a pet tip it's like you want me to design a space you want me to like pull things together yet you want to have a talk show i can do that you don't have to do math don't ask me now what's so great is that you can fling having workshops write you're educating women on all kinds of financial health and i call it health and wellness because to go through any transition you need to be healthy in so many areas like you talked about like a doctor you're treating the whole person the whole woman the whole i don't know any institution that specializes in women then you dig a little deeper and not only do you have ok here we go a p g women yes  women are financially educated have that financial confidence we're very good often the budgeting we get money and we can figure out what to spend but how are we thinking about our plans for our future we thinking about insurance risk management state documents i don't think so no so right that's the premise of a p g women is to let women build confidence to make spending plan that really makes sense for the future but you're also allow me enough money to buy shoes once a month yes things are usually important to women everybody has different needs and yes so my needs might be different from your but that is the really great thing about it is when i first learned that you had the division for just the women then you dug even deeper for divorced women it gives me also a place to prefer my ladies out even my and you know even my gentleman doesn't mean a p g is for everybody but the for yes why you stand out is that you specialize in women and i had saying this i know this sounds awful and i'm saying this about women but typically we're not so good with money opinion to know they're on the right track it's or towards critical it's critical why do you think that is now your you tell me your woman your girl and you've got it all to you do all of it you're like super well i think great with big numbers and math but but not all women and not all men for that matter i guess that's true i guess that's true and i think typically and i bet you have found this both of you that depending upon the age of your client the i find like my older ladies ok this is we talked about that in the room in the green room which is really not green it's gray but we'll talk about that later yeah it's ok we talked about how some of my older ladies feel more comfortable with  on why because maybe they're a little bit old fashioned in their husband who's maybe loosely passed away or there is a divorce whatever they handle all the finances and so they have this comfort level with i'm am sure then i have my other ladies who have just gotten divorced and i'm sorry say this they hate you they don't want to see a man they hear you they wanted other woman you're ok we're not all about the chemistry all about the chemistry and then there and then there's that mix where doesn't matter you know which is really they just look at you  genderless see her uncomfortable chris uncomfortable with stuff and it really really doesn't make a difference but i have found an intense opinion somewhat like what we're going through before the elections a know about either one candidate or the other oh boy no i cannot see a man or i must see a me and has to be a woman in three really interesting and i've seen it seems to be based i've noticed i've been doing this business for five years now a lot of it has really reveals the authenticity and the passion that you both have for your clients like i do i'm passionate so much so much passion for my for my clients and you put that ahead of everything else and i thin when that happens all that's that's when all the magic comes and that's when everybody is drawn to you i was drawn to that story i thought that was i mean we sat in my showroom and i was so great when you know i was like we did they just she do that's the best time to get you by the way it woman is deep in the middle of it like i was at the time wish i knew you what do you do and now the divorce is over can you still help them so who wants to talk about the first one which is you're contemplating it nobody even knows it's a secret talked about it maybe with your neighbor over a cup of coffee and you said i know i get out firsthand the even if you're not contemplating divorce perhaps you're just you're happily married but i think all spouses are open same women especially but all spouses should make sure they have their own credit card th own bank account rate the square and i think yeah that's already a great and i think we should all be aware of all our efforts so you might be happily married or you might be contemplating divorce but make sure that you have a good i don't even know what to look what i only look what i look at for you know what is it that i'm looking for maybe they have a pizza business and it's a cash business do i figure out how many boxes they order a month to figure out what they're really making or like how do i find the money because it's all cash you know there's yeah there are all these there are forensic accountants i know you guys work with all of those people there are so many scenarios where someone can really be lost and not know what to do so i mean i would think that going would you say ok here is see freedom of new beginning with regard to the worth of a e p t divorce advisors would you would you say ok here's a list of ten things you need to do here's do your homework what if the person says and i'm giving you you so don't worry don't worry so if there's something they can handle you can scoot them along and hold her hand i'll notch them a joke those things really happen people are heartbroken they're terrified they're frightened i was it's very emotional it's very very emotional yeah second scenario that's me like before i met you i was fortunate to meet somebody that was a c f p that helped me and i would be i would only i would even have my showroom if i hadn't met her so i am strongly suggesting if you guys are out there and you're in the middle of the divorce please see these people let's talk about that scenario i'm going to throw that back at the hours ok so now what so there's a draft of a property settlement agreement that's right what is that what does that mean and it's not just ok a spreadsheet with some numbers we have fighting emotionally because it is emotional i want that house i was there twenty years isn't always the best thing to want or ask for so it's hugely important to take your financial c f p with you b the hand and walk yourself whatever phase you're in into that divorce attorneys office and have them go in person sometimes sometimes you need that person to walk in and talk like this in front of the divorce attorneys sure a bad man it can't be but you got the idea of also bringing in another professional specially and i'm going to say it again not a financial advisor not a financial advisor a c a p e these are people that have gone to school they have a lot of letters after name those are the ones you want the attorney is then almost propped up to be at his or her best to when you walk in ok now in my case i can't mention to my attorney was but if you had been with me you would have said to me please run while you can get your retainer back and go somewhere else i had someone that was a nightmare i wasn't paying attention yeah that's why i am such an advocate you guys to me in a divorce scenario come first always you know i and you know that's how i feel and i said this to you privately and i'm saying it to you are our buddy out there on television get the divorce i mean get the divorce final at c f p or the divorce specialist first and then ask them if they know off truly cares you know are so many good ones out there you don't want to just end up with anybody and then be in a nightmare like i had and i god is part of the reason i started reading me  and that's what's nice about you there is something very approachable i used to call it you know it's almost like you're really just becoming very exposed i tired to be very exposed with a stranger and say i'm getting divorced this is what i have left arm and even though we're part of it is i'm so shamed you know what happened for me you know i had a very successful business prior to wheedle me i don't know if i told you the story and with the divorce and the stress of it and i had some illness in my family financial issues that i didn't know how to handle my business pretty much went to the wayside and i went from making a nice amount of money to a very tiny bit of money and when i went in and talked to a c f p i was ashamed i felt so ashamed i  it took me so long to get the courage and you know the comfort level that you guys provide is there ice loss nobody wants to feel like a loser and you've already lost in a big one of the biggest things in your life whether you asked for the divorce or not it's a loss it's it's the death of a relationship it affects you yeah right so it's oh it's so so important the last part so say they got the divorce then they didn't do that it's they're really kind of screwed and now they come to you stephanie what do you tell them what can what can't what's the minimum you can do for them what would you do for them is there anything you want to do got divorced the first thing you want to make sure can help with and then you know if you will if you renting do you need to carry on renting or can you get a mortgage we can help you right perhaps get a mortgage buy something refinance is maybe get your name off able to say to someone you know what i for me for instance i rented for two years yeah i needed to rent and then i ended up purchasing there it was the best route for me i could not have purchased right after i was a mess i couldn't think straight for the big thing with the transition and that's why again super important to bring in professionals like yourselves into that divorce attorneys office if you if you are smart enough to catch it and if you're not you guys are absolutely would be able to review what's already been hugely important and then in that case may i add that's when you bring me and so i can help them home stage get their money their house and feel comfortable in their home that's why i come in yeah this is where i come in this is what i do yeah but this is very important i'm looking at the time were actually pretty good but while we're still talking before it all ends i want you to tell everybody look into the camera tell them how they can reach you please give them your phone number your website everything just in case and then we'll talk i seven six four and stuff and my number right number is nine away eight to one nine seven six three isn't that lucy it's very close and you can get either one of them either one of them or all of them and you can get me  speaker and i'm going to show you guys how to take your space where the you rented or own and make you feel comfortable and happy in your space no matter what your budget because i'm going to use my tiny two room rented apartment after i asked my home of twenty years as the example and we will talk about money decor men a pause will laugh at our chain here and all kinds of things that were never blast stay tuned for more of that information to come once we have a date we don't have a date yet but it's in january or word