Financial Planner

Credentials: 

B/A Business Administration- Vanguard University

Certified Financial Planner™

Certified Divorce Financial Analyst™

40 hour basic mediation training

Mark Flowers

CFP®, CDFA™

My business philosophy follows my personal motto 

"We do well by doing good." I strive to be a socially responsible entrepreneur focused on service and providing needed resources to our community. Second Saturday is simply an extension of my core values!

How I work with you

Many times, the emotions of divorce  (fear, anxiety, depression, and embarrassment) can lead to poor decision making and a decrease in wealth during post-divorce years. I work with you through the three financial phases of divorce to make sure that you get all of the marital estate you are entitled to. Divorce will likely be the largest financial transaction you make in your life. Now is the time to advocate for your fair share.

 

Many attorneys have a working knowledge of the financial pitfalls of divorce, but that's not enough. You need someone who can explain these financial concepts to you, help you make the right decisions, and get to the next phase of your life. 

My personal story

I am originally from the San Francisco Peninsula, and am a proud alumnus of Serra High School. As a young child, my parents were divorced and I grew up in a single parent parent family. Our core family was my mother, sister, and grandmother, even our pets were women. I am now married, have two daughters, and still have female pets! So being around women is comfortable for me. My mother was (and still is) very hard working, intelligent, and strong. But women of her generation were not given the financial skills to navigate life's curveballs. I realized at a young age that I didn't have the same resources that others did, and I needed to be more mature and focused. My passion for divorce financial planning comes from our personal experience of getting from fear, anxiety, and chaos (i.e. divorce aftermath) to a thriving financial and personal life that we had envisioned, but never, never, ever, thought possible. 

Before divorce

 

How I can help:​

  1. Provide guidance for efficient data gathering 

  2. Establish a separate financial identity

  3. Income and expense analysis

  4. Financial Independence coaching

  5. Preparation to transition financially- be sure a plan is in place

During divorce

Practice areas of interest:

  1. Past and current cash flow analysis relevant to the marital standard of living and child and spousal support calculations

  2. Marital estate settlement options analysis (Pre and Post Tax)

  3. Stock options valuation

  4. Pension valuation

  5. Separate and community property interest valuations

  6. Assistance with QDRO preparation

  7. Financial Mediation Assistance- If parties are cooperative, asset values can be mutually agreed upon.

After divorce

Practice areas of interest:

  1. Setting relevant financial goals and implementing them

  2. Cash flow analysis and budget management

  3. Tax efficiency planning 

  4. Retirement planning

  5. Asset Allocation and Investment Management

  6. Estate planning

  7. Monitoring and changing beneficiaries

 Other Financial Resources

 

Credit Reports
Obtain credit reports from all three credit agencies at no charge

Social Security Information

Retirement benefits information for divorced spouses

COBRA

Information on health insurance continuation under COBRA rules. 

Women’s Institute for Financial Education 

The Women’s Institute for Financial Education (WIFE.org) is a non-profit organization

dedicated to providing financial education to women in their quest for financial independence.

Institute for Divorce Financial Analysts

More about divorce financial planning standards

650.434.2177

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