Author Archives: wendy

About wendy

Wendy W. Spencer, CFP, CDFA is a Certified Financial Planner, a Certified Divorce Financial Analyst, and a family law mediator who helps divorcing individuals, couples, and families to review and obtain more sensible settlement options. Ms. Spencer also helps these families to resolve their differences through mediation and/or participation in the collaborative divorce process. For the convenience of clients throughout the Denver metro area, Ms. Spencer has two offices – one in Arvada and one in Southeast Denver.

Emotional Decisions? Yikes!

Sometimes people just want out of the marriage. Often, their only concern is relieving their feelings of anger, and frustration. I have had some people tell me that they didn’t care what happened, they just wanted things over with. Still … Continue reading

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Dark Times? Five Ways a CDFA Can Help Brighten Your Future

Finances are often the biggest part of any divorce. You may benefit from engaging the services of a Certified Divorce Financial Analyst, even for a few hours. How can they help you? A few of the benefits of using a … Continue reading

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Divorce Money Fright

Frightened of divorce? Probably one of the scariest things about divorce is the fear of the unknown. I have had clients with high debts, low income which results in serious cash flow problems. How will they exist on one income … Continue reading

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Divorce is Scary!

Divorcing clients are often frightened about divorce. Any number of things are frightening; the court system, going through the process itself, for their futures, for their cash flow, and for their children. If that isn’t enough stress, I occasionally see … Continue reading

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Mediation is Really a Craft

Mediators are third-party neutrals that facilitate discussions between two disputing individuals. The mediator can help the parties understand each others issues and is fair to both parties. A good mediator can potentially suggest different solutions, and can explain the pros … Continue reading

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Is it Really Possible to Money in Divorce?

Often, the answer is absolutely “Yes!” If you and your spouse are willing to communicate and jointly resolve your issues on your own, or with a mediator, you certainly can save on the expenses for costly attorneys  and other experts. … Continue reading

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What if No One Wants the Kids?

Some years ago, while taking an administrative law course, the instructor who was also a practicing attorney, mentioned that the current trend was that neither spouse really wanted the kids and the responsibilities that go along with having children. Rather … Continue reading

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Kinds Can’t be Torn in Half

It is tough being a child whose parents are divorcing. Children may think that the divorce is their fault, they may desperately want the parents to reconcile, and they don’t want the changes in their lives that divorce brings. So … Continue reading

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Keep Cool when Divorce Gets Hot

Emotions turned on high can cause divorce fires. How can you turn the temperature down? I have a few suggestions. The first is certainly mediation. A qualified mediator has learned techniques to help emotional couples through the process to settlement. … Continue reading

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Doormat or Doberman?

When the word “divorce” is paired with other words, such as “dignity” and “respect”, do you automatically think of the tired old oxymoron “Army Intelligence?” Do you have to be nasty and resort to becoming a pit bull to get … Continue reading

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