DIVORCE BEYOND EMOTIONS ©2011, Calvert Investments, Inc.

DIVORCE BEYOND EMOTIONS

©2011, Calvert Investments, Inc.

NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20 0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +0.19 +0.60% HTGC -0.04 -1.10% HTS -0.07 -0.32% INFI -0.09 -1.13% INSU -0.68 -5.39% NUHC -0.07 -4.46% OKN +0.02 +0.24% PW -0.03 -0.28% RAND +0.15 +4.17% RGDX -0.15 -15.00% SSE 5.75 unch TAST -0.17 -5.82% TCX 0.36 unch TOFC 4.75 unch TWER +0.02 +2.74% UBOH +0.04 +0.44% UNFY -0.20 0.05 -1.01% WVFC -0.01 -0.06% ACFN +0.09 +4.18% AFOP -0.01 -1.73% APSG -0.03 -1.00% ARQL -0.03 -1.00% COBH +0.58 +4.52% CSBK -0.21 -2.54% CY +0.31 +4.75% DBTK +0.31 +4.75% DEP -0.41 -2.86% EBS -1.01 ENSG -0.22 -1.54% EXTR -0.17 -13.82% FORR -0.13 -0.78% HBE -0.05 -0.75% HMSY +4.75% DBTK +0.31 +4.75% DEP +0.19 +0.60% HTGC -0.04 -1.10% HTS -0.07 -0.32% INFI -0.09 -1.13% INSU -0.68 -5.39% ITWO -0.12 -1 ITWO -0.12 -1.68% JOSB


AGENDA

Understanding Implications

Seek Advice

Take Control

Take Action

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ACKNOWLEDGEMENT

This presentation is adapted from Money

Smart Women by Janet Bodnar. Ms. Bodnar

is the Editor of Kiplinger’s Personal Finance

magazine and a nationally recognized expert

in the field of family finances.

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DIVORCE

Financial Lifestyle Independence

Considerations Beyond Emotion

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40% - 50% of all first-time marriages end in divorce

EMOTIONS AND MONEY

Thousands in Legal Fees Income Slashed Living Costs Rise

Price Tag of Divorce

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The average cost of a divorce falls into the $5,000 - $20,000 range

GET EXPERT ADVICE

Experienced, Non-Emotion-Based Advice Hire Divorce Attorney Consult Financial Advisor

Quickly

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Taxes follow the asset’s owner

BECOME FINANCIALLY INDEPENDENT

Be Prepared Develop a Strategy Take Action

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Take Control

Protect assets and limit liabilities


Financial Inventory• Accounts in Own Name• Conserve Cash• Look at Credit

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Take Control – Be Prepared

Knowledge can makethe difference


Dividing Assets Alimony Child support

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Take Control – Develop a Strategy

Equally vs. equitably – an important difference


Dividing Assets Alimony Child Support

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Most divorces do not include alimony


Dividing Assets Alimony Child Support

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Fewer than 50% of custodialparents receive full child support

DECISIONS AND MORE DECISIONS

House Retirement Accounts Social Security

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Be Informed

Upkeep must beconsidered



13

Be Informed

Lump sum vs. periodic payments



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Be Informed

50% of husband’s Social Security benefits are possible

PROTECTING ASSETS AND INCOME

Estate Insurance and Beneficiaries Guardianship

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Structure is Important

Children as beneficiaries ofhusband’s life insurance

WOMEN AS THE BREADWINNER

Alimony Child Support All Other Issues

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Equal Opportunity Divorce

1 in 4 women earn more than their husbands

KEY TAKEAWAYS

Be Prepared Know your Situation and Rights Take Control Take Action

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Divorce Requires Action

Work hard for desired outcome

MY EXPERTISE AND SERVICES

Years of Investment ExperienceAbility to Understand Clients’ IssuesPassion for Developing Solutions

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Furthering Women’s Financial Independence



THANK YOU

John SmithSmith Financial*(000) [email protected]

* Smith Financial is not affiliated withCalvert Investments, Inc.

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KEEP IN MIND

The information herein has been provided by The Kiplinger Washington Editors, Inc., an independent publisher of personal finance editorial content, and other parties that Calvert Investments believes to be reliable. This content is not guaranteed for accuracy or completeness. Calvert is not responsible for any direct or incidental loss incurred by relying on any of the information in this presentation.

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KEEP IN MIND

Information provided is general and educational in nature. Neither Calvert Investments, Inc. nor its affiliates provide legal or tax advice. Nothing in this presentation should be construed as legal or tax advice. Before acting on any such information, consult your own attorney, accountant or tax advisor regarding specific legal or tax situations.

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FOR MORE INFORMATION

For more information on any Calvert fund, please contact your financial advisor, call Calvert at 800.368.2748 or visit www.calvert.com for a free summary prospectus and/or prospectus. An investor should consider the investment objectives, risks, charges, and expenses of an investment carefully before investing. The summary prospectus and prospectus contain this and other information. Read them carefully before you invest or send money.

May Lose Value. Not FDIC Insured.Not a Deposit. No Bank Guarantee.Not NCUA/NCUSIF Insured.No Credit Union Guarantee.

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FOR MORE INFORMATION

Calvert mutual funds are underwritten and distributed by Calvert Investment Distributors, Inc., member FINRA and subsidiary of Calvert Investments, Inc.* PT10080-201106

* Prior to 4/30/2011, Calvert Investment Distributors, Inc. was namedCalvert Distributors, Inc. and Calvert Investments, Inc. was namedCalvert Group, Ltd.

23©2011, Calvert Investments, Inc.

DIVORCE BEYOND EMOTIONS ©2011, Calvert Investments, Inc.

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Transcript of DIVORCE BEYOND EMOTIONS ©2011, Calvert Investments, Inc.