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Karen Mendez, CDFA tm
  • Female
  • Rancho Santa Fe, CA
  • United States
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Profile Information

Are you currently a paid GSDBA Member?
Yes
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Current GSDBA Member
Business Name
Mendez Financial Group
Business Category
Certified Divorce Financial Analyst & Wealth Advisor
Phone Number
858-292-7354
State
Ca
City
Rancho Santa Fe
Zipcode
92067
Website
http://karenmendez.com
Email Address
karen@karenmendez.com
Description of services
http://www.youtube.com/watch?v=QWQkk2dDESU&feature=player_embedded

We provide comprehensive financial management to successful households and we specialize in transitions such as job transition, retirement, divorce, marriage and widowhood.
Personal experience made me realize all marriages and domestic partnerships end due to divorce or death and I decided to help others prepare for either outcome by providing financial guidance. I serve the LGBT and non-LGBT community.
I am a Certified Divorce Financial Analyst, tm (CDFA)dedicated to providing financial stability, hope and a clear way forward. I want clients to start over smart and I help them use their money to create happiness in their lives despite life changing events such as divorce, RDP dissolution or widowhood.

My philosophy is that while such experiences can be debilitating if clients focus on how to best use their resources they can realize although life is different than it was before; it can be better.

Following my divorce & the loss of my father shortly after I became unmoored from the life I knew and was now in a circumstance that created uncertainty. Clarity came when I saw “Sliding Doors” with Gwyneth Paltrow where a woman gets fired from her job and heads home on the subway. As she reaches the subway doors the movie takes two different turns; in one scenario she makes the train and in the other she misses it. Her life ends up changing drastically as a result of one change of event. It dawned on me that this is true in life and I could create hope and opportunity out of my disappointment and despair by realizing how important decisions can be and all of the choices I had.

I help attorneys; mediators, individuals and couples, navigate the financial morass of divorce and widowhood. My expertise lies in understanding the special tax and financial issues that can plague divorce and I work to help clients get their financial fair share and equitable settlements. I provide financial analysis, projections and strategies so clients can make appropriate decisions. I strive to help clients avoid having long-term regret over decisions made early on in divorce and widowhood and I am here to help assure they make the right decisions to be financially secure in the new phase of their life.
I am UCLA educated and attribute my success to turning fear and uncertainty into hope and clarity; controlling what can be controlled; understanding that change allows for opportunities that did not exist earlier and that I would rather be happy than right.

The spectrum of financial, investment and insurance services I offer, address clients’ complete financial picture and long-term needs before, during and after marriage.

I am currently writing a book entitled, “To Have and To Hold Onto Your Financial Fair Share: Financial Decision Making When Marriage Ends in Divorce or Death.”

Latest Activity

Karen Mendez, CDFA tm posted a blog post

Late in the Year

The S&P 500 stock index closed at its calendar year high during the month of December in 15 of the past 30 years, i.e., 1983-2012. The index’s high close for 2013 (so far) of 1,805 was achieved last Friday, Nov. 22, 2013, its first close ever above 1,800 (source: BTN Research).See More
Nov 26, 2013
Karen Mendez, CDFA tm is attending GSDBA's event
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GSDBA Member Appreciation Forum at Top of the Park

October 8, 2013 from 6pm to 7:30pm
The GSDBA Board of Directors invite you to a special event:             The Member Appreciation ForumJoin us at the beautiful Top of the Park.This is your opportunity to provide input.The GSDBA Board of Directors will present:*The State of the Organization*Plans for the Future*An Opportunity for Members to Ask Questions & Get AnswersThe GSDBA appreciates you, Our Members, and will provide delicious FREE food, cash bar, & networking in a familiar environment (This is a member only…See More
Sep 13, 2013
Karen Mendez, CDFA tm posted a blog post

Comeback —

 The United States has added 6.15 million jobs since Dec. 31, 2009, equal to 72% of the 8.57 million jobs that were lostduring the 2007-2009 recession (source: Department of Labor, BTN Research).See More
Sep 12, 2013
Karen Mendez, CDFA tm updated their profile
Sep 11, 2013
Karen Mendez, CDFA tm posted a blog post

Every Day —

 An estimated 9,200 Americans will turn 65 years oldeach day this year (2013). An estimated 11,400 Americans will turn 65 years old each day by the year 2029 (source: Government Accountability Office, BTN Research).See More
Sep 10, 2013
Karen Mendez, CDFA tm posted blog posts
Aug 29, 2013
Karen Mendez, CDFA tm posted a blog post

Older and Older —

 By the year 2050, 20% of American citizens will beat least age 65. In 1950, only 8% of American citizens were at least age 65 (source: Congressional Budget Office, BTN Research).See More
Aug 27, 2013
Karen Mendez, CDFA tm posted blog posts
Aug 22, 2013
Karen Mendez, CDFA tm posted blog posts
Aug 20, 2013
Karen Mendez, CDFA tm posted a blog post

Spending Habits —

 The 12 largest monthly deficits ever in the history of the United States have occurred since February 2009, butonly one of the 12 (February 2013) occurred during calendar year 2013 (source: Treasury Department, BTN Research).See More
Aug 16, 2013
Karen Mendez, CDFA tm posted blog posts
Aug 14, 2013
Karen Mendez, CDFA tm posted a blog post

By the Decade —Compare the cost of your recent home with the price of the first car you bought.

 The cost of living (as measured by the consumer price index) in the U.S. increased 25% in the decade of the '50s, 28% in the '60s, 103% in the '70s, 64% in the '80s, 33% in the '90s and28% in the '00s. The CPI is a measure of inflation compiled by the U.S. Bureau of Labor Studies (source: Department of Labor, BTN Research).See More
Aug 11, 2013
Karen Mendez, CDFA tm posted a blog post

New Highs —

 The S&P 500 first closed above 1,500 on March 22, 2000. It took the index more than 13 years (3,298 trading days) before it closed above 1,600 for the first time on May 3, 2013. It then took the index less than three months (62 trading days) before closing above 1,700 for the first time on Aug. 1, 2013 (source: BTN Research).See More
Aug 8, 2013
Karen Mendez, CDFA tm posted blog posts
Aug 6, 2013
Karen Mendez, CDFA tm posted a blog post

Back to the Top —

Yahoo-this is great news!The U.S. was downgraded by S&P on Aug. 6, 2011, from a top rating of AAA to AA+.  In the past 32 years, five other countries received a similar downgrade from S&P but ultimately were able to regain a top AAA rating. The five countries are Denmark, Canada, Finland, Australia and Sweden (source: S&P, BTN Research).See More
Aug 1, 2013
Karen Mendez, CDFA tm posted blog posts
Jul 25, 2013

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Karen Mendez, CDFA tm's Blog

Late in the Year

The S&P 500 stock index closed at its calendar year high during the month of December in 15 of the past 30 years, i.e., 1983-2012. The index’s high close for 2013 (so far) of 1,805 was achieved last Friday, Nov. 22, 2013, its first close ever above 1,800 (source: BTN Research).

Posted on November 26, 2013 at 7:47am

Comeback —

 The United States has added 6.15 million jobs since Dec. 31, 2009, equal to 72% of the 8.57 million jobs that were lostduring the 2007-2009 recession (source: Department of Labor, BTN Research).

Posted on September 11, 2013 at 10:24am

Every Day —

 An estimated 9,200 Americans will turn 65 years oldeach day this year (2013). An estimated 11,400 Americans will turn 65 years old each day by the year 2029 (source: Government Accountability Office, BTN Research).

Posted on September 5, 2013 at 7:00pm

Large Stake in the U.S. —

 China and Japan each own more than $1 trillion of U.S. treasury debt. No other country in the world owns more than $250 billion of U.S. treasury debt (source: Treasury Department, BTN Research).

Posted on August 29, 2013 at 8:13am

 
 
 

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