Who Keeps the Dog and Other Pet Issues in Divorce with Karis Nafte on Divorce and Beyond #366

In this eye-opening episode of Divorce & Beyond, Susan Guthrie welcomes Amanda Singer, a family mediator, California-licensed attorney, CDFA, and founder of West Coast Family Mediation. Together, they explore the complexities of remarrying after divorce, a topic that has surprisingly never been covered on the show before. Whether you're already in a new relationship or still unsure about love after divorce, this conversation is packed with valuable insights that could reshape how you approach your next chapter.  What You’ll Discover in This Episode: Why remarrying after divorce requires unique emotional and financial preparation. The critical role of premarital mediation in fostering stronger partnerships. How prenuptial agreements can protect your future while building trust. Key considerations for blending families, including estate planning and alimony. Expert tips for navigating parenting dynamics in a new marriage. Take the guesswork out of remarrying with Amanda's expert advice! More About Our Special Guest, Amanda Singer: Amanda D. Singer, Esq., MDR, CDFA® is a professional family mediator and founder of West Coast Family Mediation. She is a California licensed attorney and Certified Divorce Financial Analyst. Amanda leads West Coast Family Mediation’s team of mediators working with clients all throughout California to help families improve communication, solve problems and reach agreements while staying out of court. In addition to divorce mediation, Amanda has a focus and interest on premarital mediation as well as educating and training others on the benefits of premarital mediation. She was the past Vice President of the Academy of Professional Family Mediators and was the awardee of the 2022 APFM Outstanding Professional Family Mediator Award. Amanda lives in San Diego with her Husband, almost 1-year-old daughter, and rescue dog. They enjoy hiking, cooking and traveling. Website: http://westcoastfamilymediation.com Social Media: https://www.linkedin.com/company/west-coast-family-mediation-center/ https://www.instagram.com/westcoast_mediators/ https://www.facebook.com/westcoastfamilymediation https://x.com/Divorce_CA Make the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond:  https://divorceandbeyondpod.com, IG: @divorceandbeyond MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, has been nationally recognized as one of the top family law and divorce mediation attorneys in the country for more than 30 years.  Susan is the Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here: https://susaneguthrie.com Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond!   ***************************************************************************** THANK YOU TO OUR SPONSORS: PARACHUTE HOME Going through a divorce is tough, and self-care can easily get overlooked. Something that helped me was creating a cozy space to relax. I found Parachute Home—bedding and home goods that bring real comfort. Imagine ending your day wrapped in the softest sheets or a warm blanket. If you're looking to add a bit of peace to your home, visit divorcebeyond.com/parachute. When you shop through my link, it supports the podcast, and I appreciate it. ***************** SUSAN’S BOOK: BUILDING THE PRACTICE OF YOUR DREAMS, ONE MONTH OF DAILY TIPS FOR FINDING SUCCESS Are you looking to build the practice of your dreams? Check out Building the Practice of Your Dreams: One Month of Daily Tips for Finding Success—the book that just hit #1 on the Amazon Kindle bestseller list for law firm marketing! 🎉 At just $4.99, it's packed with practical tips to help you level up. Grab your copy now at neon.ly/biz-book. ***************************************************************************** SPONSORSHIP OPPORTUNITIES AVAILABLE! If you would like to sponsor the show and reach our large community of those going through and healing from divorce, please reach out to us at  [email protected] for pricing and details!!! ***************************************************************************** DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.

In this transformative episode of Divorce & Beyond, Susan Guthrie dives deep into the world of holistic healing with special guest Dawn Wiggins, a licensed marriage and family therapist who has reimagined what it means to recover, grow, and thrive. Dawn explains why traditional therapy, while helpful, is often not enough on its own and reveals how her integrative methods address the gaps left by conventional approaches. What You’ll Discover in This Episode: Why talk therapy often falls short of creating lasting change. The limitations of traditional modalities and how to move beyond them. How a holistic, mind-body-spirit approach can unlock true healing. The concept of "similar suffering" and its transformative potential in recovery. Practical tools to break free from old patterns and embrace a new path forward. Step Beyond the Couch with us in this powerful episode. Listen now and start your journey to true healing! More About Our Special Guest, Dawn Wiggins: Divorce recovery coach and therapist Dawn Wiggins helps people tear down their walls and build back their confidence. Challenging the status quo of therapy, she integrates multiple modalities from EMDR Therapy to EFT tapping, immersive journaling, and homeopathy, embracing remedies that heal both the mind and body. She also has her own Podcast, Dear Divorce Diary, which has recently been ranked globally as a top 3% show. Website: https://mycoachdawn.com/divorce-podcast/ Social Media: https://www.instagram.com/dawnwiggins/ https://www.facebook.com/MyCoachDawn/  Special Free Resource for Listeners: Dawn is offering her exclusive Post-Divorce Roadmap—a 21-day immersive journaling program—for FREE this holiday season! This resource includes: Guided journaling prompts to explore and heal. Somatic exercises to connect mind and body. A curated musical playlist to support balance and growth. Recommendations for homeopathic and flower essence remedies. Download the Post-Divorce Roadmap Here: https://mycoachdawn.com/post-divorce-roadmap/ Use the code EmailFriends when downloading for bonus content! Make the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond:  https://divorceandbeyondpod.com, IG: @divorceandbeyond MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, has been nationally recognized as one of the top family law and divorce mediation attorneys in the country for more than 30 years.  Susan is the Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here: https://susaneguthrie.com Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond!   ***************************************************************************** THANK YOU TO OUR SPONSORS: PARACHUTE HOME Going through a divorce is tough, and self-care can easily get overlooked. Something that helped me was creating a cozy space to relax. I found Parachute Home—bedding and home goods that bring real comfort. Imagine ending your day wrapped in the softest sheets or a warm blanket. If you're looking to add a bit of peace to your home, visit divorcebeyond.com/parachute. When you shop through my link, it supports the podcast, and I appreciate it. ***************** SUSAN’S BOOK: BUILDING THE PRACTICE OF YOUR DREAMS, ONE MONTH OF DAILY TIPS FOR FINDING SUCCESS Are you looking to build the practice of your dreams? Check out Building the Practice of Your Dreams: One Month of Daily Tips for Finding Success—the book that just hit #1 on the Amazon Kindle bestseller list for law firm marketing! 🎉 At just $4.99, it's packed with practical tips to help you level up. Grab your copy now at neon.ly/biz-book. ***************************************************************************** SPONSORSHIP OPPORTUNITIES AVAILABLE! If you would like to sponsor the show and reach our large community of those going through and healing from divorce, please reach out to us at  [email protected] for pricing and details!!! ***************************************************************************** DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.

Susan Guthrie welcomes Karis Nafte, Pet Custody Mediator and Certified Dog Behavior Consultant, to explore the complexities of pet custody in divorce. With the legal landscape around pets evolving, the topic of pet custody has become increasingly relevant for divorcing couples. Karis, founder of Who Keeps the Dog?, sheds light on the unique challenges of navigating custody for your furry family members and shares insights from her new book, Who Keeps the Dog: Navigating Pet Custody During Divorce. In this conversation, Karis explains how divorce can impact your beloved pets and provides practical strategies to ensure their well-being throughout the process. What You'll Hear: Why pets are no longer treated as mere property in divorce How the changing legal landscape impacts pet custody decisions Key considerations for creating a pet custody agreement Tips for minimizing stress for your pets during separation Golden Nuggets: “ You can't make the decision on the dog's future based on your hurt feelings or your negative emotions. You're not considering your dog. You're not seeing the situation through their eyes. And that's really hard, but you can do it. The most correct decision for the dog is there, if you dig for it.” “ Your dog will be fine. Dogs are so much more adaptable than we think they are. Don't imagine that your dog will be as upset as you are. I know that's hard to hear. It's harder for us than it is for dogs.” “ How do we look after our pets during divorce where we're really focusing on what's best for the dog? It's hard to do that when emotions do what they do in divorce.” **************************************** About this week's special guest: Karis Nafte Karis Nafte is the founder of Who Keeps the Dog, Pet Custody Mediation. A Certified Dog Behaviour Consultant & Accredited Family Mediator, she brings 25 years professional experience as a dog behaviour expert into her work of dogs and divorce. A global pioneer in her work, in addition to seeing her own clients, Karis teaches the first accredited pet custody education course for divorce professionals. An author with a unique background, Karis has presented on the subject pet custody for the American Bar Association, the Association of Professional Family Mediators, The Ontario Association of Family Mediators, The South Africa Association of Mediators, the Kentucky Bar Association, The Multnomah Bar Association, International Mediation Week and many others. Her work has been featured in the Washington Post, the Associated Press, Scripps News, The New York Post, VICE News, ABC News and Australian Dog Lover Magazine. Karis’ book: Who Keeps the Dog? Navigating Pet Custody During Divorce Divorce and Beyond Listeners - Enjoy 10% off Karis’ Pet Custody Course. To get this special offer, simply email [email protected] and mention this special Divorce and Beyond promo. Karis on LinkedIn: https://www.linkedin.com/in/karis-nafte-cdbc-b4b9b81a6/ **************************************** THANK YOU TO OUR SPONSORS: TURNS OUT PODCAST Introducing Turns Out..., my brand-new podcast launching in the new year. This show is all about life’s unexpected twists and turns—those aha moments that change everything. From career pivots to personal revelations, we’ll explore the stories that prove life is full of surprises. Make sure to visit turnsoutpodcast.com and keep an eye out for our launch drop! You won’t want to miss these inspiring stories, and you might even hear some familiar voices. Stay tuned, and remember, Turns Out... life has so much more in store than we ever imagined! ========= PARACHUTE HOME Going through a divorce is tough, and self-care can easily get overlooked. Something that helped me was creating a cozy space to relax. I found Parachute Home—bedding and home goods that bring real comfort. Imagine ending your day wrapped in the softest sheets or a warm blanket. If you're looking to add a bit of peace to your home, visit divorcebeyond.com/parachute. When you shop through my link, it supports the podcast, and I appreciate it. ********************************************************************* SPONSORSHIP OPPORTUNITIES ARE AVAILABLE!  https://divorcebeyond.com/Sponsorship-Info ******************************************************************* MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, is nationally recognized as one of the top family law and divorce mediation attorneys in the country.  Susan is the Vice Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here:  https://neon.page/susanguthrie Internationally renowned as one of the leading experts in online mediation, Susan created her Learn to Mediate Online® program and has trained more than 25,000 professionals in how to transition their practice online.  Susan recently partnered with legal and mediation legend, Forrest "Woody" Mosten to create the Mosten Guthrie Academy which provides gold-standard, fully online training for mediation and collaborative professionals at all stages of their careers.   Follow Susan Guthrie and THE DIVORCE AND BEYOND PODCAST on social media for updates and inside tips and information: Susan on LinkedIn: https://www.linkedin.com/in/susaneguthrie/ Susan on Instagram @susanguthrieesq ********************************************************************* We'd really appreciate it if you would give us a 5 Star Rating and tell us what you like about the show in a review - your feedback really matters to us!  You can get in touch with Susan at [email protected].  Don't forget to visit the webpage www.divorceandbeyondpod.com and sign up for the free NEWSLETTER to receive a special welcome video from Susan and more!! ********************************************************************* DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.

Selling or buying a home during a divorce? Susan Guthrie brings in expert realtor Kathy Clark to shed light on the real estate journey for divorcing couples. With 13 years of experience in Southern California’s mortgage and real estate industry, Kathy shares essential strategies for navigating property sales, avoiding common pitfalls, and setting yourself up for a successful transition into your next home.  Kathy’s insights will help you avoid unnecessary stress and find the right realtor to guide you through mastering the real estate side of the divorce process. Featured Topics: The unique challenges of selling a home during a divorce, including differing goals with your soon-to-be-ex and when to consider selling How to find a realtor who genuinely understands divorce and real estate—questions to ask before signing on with anyone The ins and outs of realtor commissions and what to expect in today’s market Common mistakes divorcing individuals make when buying a new home—and how to avoid them Disclosure dilemmas: What to share (or not) with realtors and buyers about your divorce Golden nuggets: “Everything has a value and everything has a cost. I encourage people to go into it open-minded and make sure their agent knows what they need.” “We have a fiduciary responsibility not to share what you don't want to be shared. You tell us ‘It's fine. Go ahead. It's amicable.’ There's got to be an expectation of how you're going to do things. I don't think it serves you well to disclose to everyone that there is a divorce. But I also don't think that you can hide it.” “Every house is not the same. Finding the right realtor who has the expertise in your particular home is something worth spending a little bit of time on.” **************************************** About this week's special guest: Kathy Clark Kathy Clark is a long-time Orange County resident with a passion, and career that has been centered on the Southern California Real Estate Industry. First as a homeowner, then investor, both experiences lead her to explore home lending opportunities. With over 13 years in the mortgage industry, Kathy understands the real estate cycles and has adapted to the changing real estate and lending environments. This wisdom allows Kathy to strategize and structure a transaction in a way that allows her clients to meet their real estate needs and portfolio requirements.  Kathy’s experience in the mortgage industry sets her apart with a deep understanding of all facets of the real estate market. As a seasoned broker who has helped clients with numerous “out-of-the-box” purchase transactions, Kathy is committed to presenting the best options to her clients.  Contact Kathy: Website: https://harcourtsna.com/Blue-Water/agents/Kathy-Clark-Brenna-Van-Hoogenstyn Phone: (949) 283-2833 Linkedin: https://www.linkedin.com/in/kathy-clark-707a29133/ Facebook: https://www.facebook.com/KathyClarkRealtor Also mentioned in this episode: Mortgage Must-Knows for Divorce from Tami Wollensak, CDLP **************************************** THANK YOU TO OUR SPONSORS: SOBERLINK As a family law attorney, I’ve seen firsthand how difficult it can be to navigate co-parenting when alcohol is involved, especially around the holidays. Soberlink is a breathalyzer that ensures your co-parent is staying sober while they have the kids, which is especially important during this time of year, when alcohol can be present at so many gatherings. Here’s how it works: Your co-parent will test at scheduled times throughout the day. The portable device uses facial recognition to confirm it’s really them taking the test, and tamper sensors ensure the results are accurate. Those results are sent directly to your phone or email in real-time, so you’ll always know that your kids are with a sober parent. Soberlink is trusted by family law professionals for a reason. It’s the top alcohol monitoring system, and its court-admissible data can make all the difference in custody situations. If you’re looking for more certainty and safety this holiday season, visit www.soberlink.com/susan to learn more and get $50 off your device. ========= PARACHUTE HOME Going through a divorce is tough, and self-care can easily get overlooked. Something that helped me was creating a cozy space to relax. I found Parachute Home—bedding and home goods that bring real comfort. Imagine ending your day wrapped in the softest sheets or a warm blanket. If you're looking to add a bit of peace to your home, visit divorcebeyond.com/parachute. When you shop through my link, it supports the podcast, and I appreciate it. ********************************************************************* SPONSORSHIP OPPORTUNITIES ARE AVAILABLE!  https://divorcebeyond.com/Sponsorship-Info ******************************************************************* MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, is nationally recognized as one of the top family law and divorce mediation attorneys in the country.  Susan is the Vice Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here:  https://neon.page/susanguthrie Internationally renowned as one of the leading experts in online mediation, Susan created her Learn to Mediate Online® program and has trained more than 25,000 professionals in how to transition their practice online.  Susan recently partnered with legal and mediation legend, Forrest "Woody" Mosten to create the Mosten Guthrie Academy which provides gold-standard, fully online training for mediation and collaborative professionals at all stages of their careers.   Follow Susan Guthrie and THE DIVORCE AND BEYOND PODCAST on social media for updates and inside tips and information: Susan on LinkedIn: https://www.linkedin.com/in/susaneguthrie/ Susan on Instagram @susanguthrieesq ********************************************************************* We'd really appreciate it if you would give us a 5 Star Rating and tell us what you like about the show in a review - your feedback really matters to us!  You can get in touch with Susan at [email protected].  Don't forget to visit the webpage www.divorceandbeyondpod.com and sign up for the free NEWSLETTER to receive a special welcome video from Susan and more!! ********************************************************************* DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.

Susan Guthrie welcomes special guest Marcia Zug, a family law expert and law professor, to discuss the move to repeal no-fault divorce laws. As reform proposals emerge across several states, this conversation explores what a shift back to fault-based divorce could mean for individuals, families, and the legal system.  Marcia offers insights into the history of no-fault divorce, the forces behind this legislative push, and the potential impacts on personal freedom, safety, and family dynamics. Tune in for an eye-opening look at the fight to preserve no-fault divorce and the disastrous implications for your rights and future. Featured Topics: Understanding the difference between fault divorce and no-fault divorce and what each requires The origins of no-fault divorce laws and how California became the first state to pass them in 1969 The impact of repealing no-fault divorce, including its wider social and political implications The future of no-fault divorce, the momentum behind repeal efforts, and whether there are movements to protect or expand these laws Golden nuggets: “If we want more people to get married, I think they need to understand both what marriage does for them and how it might be beneficial, but also not scare them by locking them into a marriage that they could never get out of.” “By forcing people to rehash all of the horrible things that have gone on in the marriage,  it brings a lot of animosity to the divorce and makes negotiation and compromises much, much harder.” “ Even though cruelty was grounds for divorce, it wasn't protecting victims of violence in marriages. No-fault was seen as a solution to that.  States reluctantly accepted it, not because they liked divorce, but because they recognized that it was needed because divorce to fault grounds was deadly, particularly to women.” **************************************** About this week's special guest: Marcia Zug Marcia Zug is a Family Law professor at the Jospeh F. Rice School of law at the University of South Carolina. Her latest book, You'll Do: A History of Marrying for Reasons Other than Love explores the instrumental use of marriage and the role of marriage in modern society. Marcia’s book: You'll Do: A History of Marrying for Reasons Other Than Love Mentioned in this episode: Uxoricide / Marticide: When a spouse kills their spouse. Beyond Divorce: Healing the Invisible Scars of Domestic Abuse with Beverly Price **************************************** THANK YOU TO OUR SPONSORS: TURNS OUT PODCAST Introducing Turns Out..., my brand-new podcast launching in the new year. This show is all about life’s unexpected twists and turns—those aha moments that change everything. From career pivots to personal revelations, we’ll explore the stories that prove life is full of surprises. Make sure to visit turnsoutpodcast.com and keep an eye out for our launch drop! You won’t want to miss these inspiring stories, and you might even hear some familiar voices. Stay tuned, and remember, Turns Out... life has so much more in store than we ever imagined! ========= PARACHUTE HOME Going through a divorce is tough, and self-care can easily get overlooked. Something that helped me was creating a cozy space to relax. I found Parachute Home—bedding and home goods that bring real comfort. Imagine ending your day wrapped in the softest sheets or a warm blanket. If you're looking to add a bit of peace to your home, visit divorcebeyond.com/parachute. When you shop through my link, it supports the podcast, and I appreciate it. ********************************************************************* SPONSORSHIP OPPORTUNITIES ARE AVAILABLE!  https://divorcebeyond.com/Sponsorship-Info ******************************************************************* MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, has been nationally recognized as one of the top family law and divorce mediation attorneys in the country for more than 30 years.  Susan is the Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here: https://susaneguthrie.com Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond!   ********************************************************************* We'd really appreciate it if you would give us a 5 Star Rating and tell us what you like about the show in a review - your feedback really matters to us!  You can get in touch with Susan at [email protected].  Don't forget to visit the webpage www.divorceandbeyondpod.com and sign up for the free NEWSLETTER to receive a special welcome video from Susan and more!! ********************************************************************* DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.

Few things are scarier than finances and divorce. In this special Halloween episode, Susan welcomes back financial experts Karen Chellew and Catherine Shanahan of My Divorce Solution! Together they offer tips and insights for overcoming your spookiest financial fears during divorce. This episode dives into where financial fears come from, and how to overcome them and shares cautionary tales with powerful takeaways. You'll learn how taking control of your finances can help you conquer fear and uncertainty, and why it's essential to create a clear financial portrait to help you make important and difficult decisions. Featured Topics: The most common financial fears like the fear of letting go (of information, assets, or the financial life you were used to) Your financial portrait is the centerpiece—knowing the full picture is crucial Why a team approach to divorce leads to a quicker, smoother, more cost-effective process with less conflict The power of advocating for yourself and recognizing how your financial choices shape your future Golden nuggets: “Turn your fear into focus. That focus becomes on the knowledge that the financial portrait gives to you. That's invaluable and is a life-changing confidence builder.” “ Getting your financial portrait done ahead of time helps you understand what kind of attorney or what kind of mediator you will hire in the first place.” **************************************** About this week's special guests: Karen Chellew and Catherine Shanahan Karen Chellew, Legal Liaison: For over 30 years, Karen has worked in the legal field as a paralegal and business manager. During her career, she served as an affiliated member of the Pennsylvania Bar Association and President Elect of the ALA (Association of Legal Administrators). Karen now serves clients and the professional team in her role as legal liaison. She is also a certified QDRO Administrator, Founder and President of Sisters U Foundation, and an Auditor of East Rockhill Township. As the mom of three children and two granddaughters, Karen is extremely passionate about helping women in all that she does. Catherine Shanahan, CDFA: After 30 years in the financial industry, having raised five children and endured her own experience with divorce, Catherine became a Certified Divorce Financial Analyst (CDFA) and trained mediator. A Professional Daily Money Manager (PDMM), Catherine is also a member of the Bucks County Collaborative Law Group, American Association of Daily Money Managers (AADMM) the Institute for Divorce Financial Analysts, and the Association of Divorce Financial Planners (ADFP). My Divorce Solution: https://mydivorcesolution.com/ We Chat Divorce Podcast: https://mydivorcesolution.com/we-chat-divorce-podcast/ My Divorce Solution on Instagram: https://www.instagram.com/mydivorcesolution My Divorce Solution on Facebook: https://www.facebook.com/mydivorcesolution/ **************************************** THANK YOU TO OUR SPONSORS: TURNS OUT PODCAST Introducing Turns Out..., my brand-new podcast launching in the new year. This show is all about life’s unexpected twists and turns—those aha moments that change everything. From career pivots to personal revelations, we’ll explore the stories that prove life is full of surprises. Make sure to visit turnsoutpodcast.com and keep an eye out for our launch drop! You won’t want to miss these inspiring stories, and you might even hear some familiar voices. Stay tuned, and remember, Turns Out... life has so much more in store than we ever imagined!  ========= PARACHUTE HOME Going through a divorce is tough, and self-care can easily get overlooked. Something that helped me was creating a cozy space to relax. I found Parachute Home—bedding and home goods that bring real comfort. Imagine ending your day wrapped in the softest sheets or a warm blanket. If you're looking to add a bit of peace to your home, visit divorcebeyond.com/parachute. When you shop through my link, it supports the podcast, and I appreciate it. ********************************************************************* SPONSORSHIP OPPORTUNITIES ARE AVAILABLE!  https://divorcebeyond.com/Sponsorship-Info ******************************************************************* MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, is nationally recognized as one of the top family law and divorce mediation attorneys in the country.  Susan is the Vice Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here:  https://neon.page/susanguthrie Internationally renowned as one of the leading experts in online mediation, Susan created her Learn to Mediate Online® program and has trained more than 25,000 professionals in how to transition their practice online.  Susan recently partnered with legal and mediation legend, Forrest "Woody" Mosten to create the Mosten Guthrie Academy which provides gold-standard, fully online training for mediation and collaborative professionals at all stages of their careers.   Follow Susan Guthrie and THE DIVORCE AND BEYOND PODCAST on social media for updates and inside tips and information: Susan on LinkedIn: https://www.linkedin.com/in/susaneguthrie/ Susan on Instagram @susanguthrieesq ********************************************************************* We'd really appreciate it if you would give us a 5 Star Rating and tell us what you like about the show in a review - your feedback really matters to us!  You can get in touch with Susan at [email protected].  Don't forget to visit the webpage www.divorceandbeyondpod.com and sign up for the free NEWSLETTER to receive a special welcome video from Susan and more!! ********************************************************************* DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.

Susan Guthrie welcomes returning guest Jackie Pilossoph, Founder of Divorced Girl Smilin, to share insights from her latest book, Who Let the Dogs Out? a hilarious and heartfelt dive into dating after divorce. Jackie brings her journey to life, revealing the complexities and joys of dating after divorce. This episode combines humor with profound insights, providing listeners with a realistic yet optimistic view of dating post-divorce. You’ll walk away with actionable advice and a fresh outlook on what it means to find connection again. Featured Topics: Jackie breaks down the unique way she uses different dog breeds to describe the men she dated post-divorce.  Self-discovery is the hidden gem in the dating process  how pursuing your passion with like-minded people can lead to meaningful connections—and maybe even love. Practical advice on how to spot red flags early in a relationship. Maintaining a sense of self and independence even while navigating the dating world Golden nuggets: “When you’re dating - you are really learning about yourself.” “Even if you stay with the wrong person for too long, you realize later, ‘wow, I deserve better than this.’” **************************************** About this week's special guest: Jackie Pilossoph Jackie Pilossoph is the creator and editor-in-chief of Divorced Girl Smiling, the media comprises a website, podcast, mobile app, and a list of divorce professionals you can trust! A former broadcast news journalist and features reporter for the Chicago Tribune, Pilossoph was also the author of Love Essentially, her weekly column in the Chicago Tribune. She was also a Huffington Post Divorce Blogger for five years. Pilossoph holds a Masters's degree in journalism from Boston University, and oh, she's divorced. Who Let the Dogs Out?  A Hilarious and Touching Tale of Dating After Divorce: https://amzn.to/40dSEhY Jackie’s website: http://divorcedgirlsmiling.com Jackie on Twitter: https://twitter.com/divorcedgirlJP  Jackie on Facebook: https://www.facebook.com/DivorcedGirlSmiling  Jackie on Instagram: https://www.instagram.com/divorced_girl_smiling/ Jackie on LinkedIn: https://www.linkedin.com/in/jackie-pilossoph-0851814/ **************************************** THANK YOU TO OUR SPONSORS: PARACHUTE HOME Going through a divorce is tough, and self-care can easily get overlooked. Something that helped me was creating a cozy space to relax. I found Parachute Home—bedding and home goods that bring real comfort. Imagine ending your day wrapped in the softest sheets or a warm blanket. If you're looking to add a bit of peace to your home, visit divorcebeyond.com/parachute. When you shop through my link, it supports the podcast, and I appreciate it. ========= HEADSPACE Hello, Divorce & Beyond family! We've teamed up with Headspace to guide you towards better mental health. With Headspace's meditation, mindfulness tools, and mental health support, you're set for a happier, healthier you. Sign up through our exclusive link for free two weeks of Headspace membership. Don't miss out on this opportunity to embrace well-being. ********************************************************************* SPONSORSHIP OPPORTUNITIES ARE AVAILABLE!  https://divorcebeyond.com/Sponsorship-Info ******************************************************************* MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, is nationally recognized as one of the top family law and divorce mediation attorneys in the country.  Susan is the Vice Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here:  https://neon.page/susanguthrie Internationally renowned as one of the leading experts in online mediation, Susan created her Learn to Mediate Online® program and has trained more than 25,000 professionals in how to transition their practice online.  Susan recently partnered with legal and mediation legend, Forrest "Woody" Mosten to create the Mosten Guthrie Academy which provides gold-standard, fully online training for mediation and collaborative professionals at all stages of their careers.   Follow Susan Guthrie and THE DIVORCE AND BEYOND PODCAST on social media for updates and inside tips and information: Susan on LinkedIn: https://www.linkedin.com/in/susaneguthrie/ Susan on Instagram @susanguthrieesq ********************************************************************* We'd really appreciate it if you would give us a 5 Star Rating and tell us what you like about the show in a review - your feedback really matters to us!  You can get in touch with Susan at [email protected].  Don't forget to visit the webpage www.divorceandbeyondpod.com and sign up for the free NEWSLETTER to receive a special welcome video from Susan and more!! ********************************************************************* DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM. ======================================

Susan Guthrie sits down with Megan Grant, the Founder & Chief Memory Creator of Cherish Tours, to explore the transformative power of travel, especially for those navigating the journey of divorce. Join us as we unpack the many ways solo travel can be a tool for healing and growth. Megan shares her insights on how travel can positively impact mental health and offers practical tips for those looking to travel solo after a divorce. We’ll discuss how to prioritize travel amidst daily responsibilities, manage stressful travel triggers, and reframe the meaning of solo adventures. Plus, we’ll dive into overcoming decision fatigue to help you plan your next impactful journey. Tune in for an inspiring conversation that might just spark your next adventure! Featured Topics: Travel as a tool for healing: Does it really work? Managing stressful travel triggers Prioritizing travel in your daily life Reframing solo travel and what it could mean for you Overcoming decision fatigue to create your travel plans Golden nuggets: “ You don't have to travel full time or live unconventionally to create a healing experience with travel.” “ Yes, travel can sometimes be stressful, especially when something doesn't go to plan, but really when you're ripped out of your comfort zone is when you learn the most about yourself and it's a really great way to do a reset.” “ Solo travel, where it's the most meaningful, is in creating the space for yourself. It's taking and prioritizing the self-care aspects of travel and the healing parts of travel that you can find when you step outside of that comfort zone.” **************************************** About this week's special guest: Megan Grant Meet Megan, the Founder & Chief Memory Creator for Cherish Tours. With a background in conference planning and a global canvas of world travel experiences, she has become deeply convinced that travel has the power to be transformational, especially for women striving to create a difference in the world. As a dedicated advocate for empowering women globally, Megan's influence extends well beyond her travels to 40 countries, including over 10 solo adventures. Her unique perspective and innovative approach have set her apart, making significant contributions to discussions on sustainable tourism, global women's businesses, the post-pandemic travel surge, women's travel experiences, and travel safety. Megan's experience adds a layer of expertise and vision, making her a compelling voice in the realm of travel and woman empowerment. Cherish Tours: https://www.gocherishtours.com/ Receive $100 off with promo code DIVORCEANDBEYOND for Cherish Tours Tanzania Safari in 2025: https://www.gocherishtours.com/one-of-a-kind-tanzania-safari Cherish Tours on Instagram: @gocherishtours Cherish Tours on Facebook: https://www.facebook.com/gocherishtours Cherish Tours on LinkedIn: https://www.linkedin.com/company/cherish-tours-llc **************************************** THANK YOU TO OUR SPONSORS: PARACHUTE HOME Going through a divorce is tough, and self-care can easily get overlooked. Something that helped me was creating a cozy space to relax. I found Parachute Home—bedding and home goods that bring real comfort. Imagine ending your day wrapped in the softest sheets or a warm blanket. If you're looking to add a bit of peace to your home, visit divorcebeyond.com/parachute. When you shop through my link, it supports the podcast, and I appreciate it. ========= HEADSPACE Hello, Divorce & Beyond family! We've teamed up with Headspace to guide you towards better mental health. With Headspace's meditation, mindfulness tools, and mental health support, you're set for a happier, healthier you. Sign up through our exclusive link for free two weeks of Headspace membership. Don't miss out on this opportunity to embrace well-being. ********************************************************************* SPONSORSHIP OPPORTUNITIES ARE AVAILABLE!  https://divorcebeyond.com/Sponsorship-Info ******************************************************************* MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, is nationally recognized as one of the top family law and divorce mediation attorneys in the country.  Susan is the Vice Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here:  https://neon.page/susanguthrie Internationally renowned as one of the leading experts in online mediation, Susan created her Learn to Mediate Online® program and has trained more than 25,000 professionals in how to transition their practice online.  Susan recently partnered with legal and mediation legend, Forrest "Woody" Mosten to create the Mosten Guthrie Academy which provides gold-standard, fully online training for mediation and collaborative professionals at all stages of their careers.   Follow Susan Guthrie and THE DIVORCE AND BEYOND PODCAST on social media for updates and inside tips and information: Susan on LinkedIn: https://www.linkedin.com/in/susaneguthrie/ Susan on Instagram @susanguthrieesq ********************************************************************* We'd really appreciate it if you would give us a 5 Star Rating and tell us what you like about the show in a review - your feedback really matters to us!  You can get in touch with Susan at [email protected].  Don't forget to visit the webpage www.divorceandbeyondpod.com and sign up for the free NEWSLETTER to receive a special welcome video from Susan and more!! ********************************************************************* DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.

Swipe right to match with your ideal financial pro! In today’s episode, we’re excited to bring you an innovative topic that recognizes the hard part of divorce and makes it easier—gaining financial independence.  Whether navigating divorce or simply looking to take control of your future, our guest Lacy Garcia, Founder & CEO of Willow, introduces a game-changing platform that connects people with trusted fiduciary financial advisors, empowering them to make informed decisions. Lacy shares her expert insights on finding the right financial advisor and how to safeguard your financial future confidently. Featured topics: How to find the perfect financial advisor match The pillars of empathy, education, and empowerment in financial advising Why it’s never too early or too late to hire a financial advisor Financial empowerment helps you make the best choices for your present and future Golden nuggets: “It is never too early or too late to hire a financial advisor.” “This is the time when you're feeling overwhelmed. It's the time to put yourself first and to find that trusted financial advisor who can help you navigate this.” “ You could go through this whole process and then wake up and then be like, ‘Wait a second, I'm in this terrible financial position. And I didn't even realize it.’ If you know that information before you start, or as you're going through it, then you are empowered to be able to do your best.” **************************************** About this week's special guest: Lacy Garcia Lacy Garcia is the Founder & CEO of Willow (trustwillow.com), a platform that connects Women and NextGen individuals with vetted and trusted fiduciary financial advisors. Much like a dating app, Willow provides a free concierge matching service that utilizes both your financial needs and personal preferences to match you with your ideal Advisor for Women™ or Advisor for NextGen™. As a former financial advisor, Lacy founded Willow to empower Women and NextGen clients to achieve their financial and life goals, and assist them in finding their "perfect match". Willow website: http://trustwillow.com Willow on LinkedIn: https://www.linkedin.com/company/64554675/ Willow on Instagram: https://www.instagram.com/trust_willow/ Willon on YouTube: https://www.youtube.com/channel/UCZXZH1mGOkXr0ezS1XRygwA Willow on Facebook: https://www.facebook.com/trustwillow **************************************** THANK YOU TO OUR SPONSORS:  SOBERLINK As a family law attorney, I’ve seen firsthand how difficult it can be to navigate co-parenting when alcohol is involved, especially around the holidays. Soberlink is a breathalyzer that ensures your co-parent is staying sober while they have the kids, which is especially important during this time of year, when alcohol can be present at so many gatherings. Soberlink is trusted by family law professionals for a reason. It’s the top alcohol monitoring system, and its court-admissible data can make all the difference in custody situations. If you’re looking for more certainty and safety this holiday season, visit www.soberlink.com/susan to learn more and get $50 off your device. ========================= PARACHUTE HOME Going through a divorce is tough, and self-care can easily get overlooked. Something that helped me was creating a cozy space to relax. I found Parachute Home—bedding and home goods that bring real comfort. Imagine ending your day wrapped in the softest sheets or a warm blanket. If you're looking to add a bit of peace to your home, visit divorcebeyond.com/parachute. When you shop through my link, it supports the podcast, and I appreciate it. ********************************************************************* SPONSORSHIP OPPORTUNITIES ARE AVAILABLE!  https://divorcebeyond.com/Sponsorship-Info ******************************************************************* MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, is nationally recognized as one of the top family law and divorce mediation attorneys in the country.  Susan is the Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here:  https://neon.page/susanguthrie Internationally renowned as one of the leading experts in online mediation, Susan created her Learn to Mediate Online® program and has trained more than 25,000 professionals in how to transition their practice online.  She presently works with select professionals and entrepreneurs to maximize their business potential and create the practice of their dreams. Visit Guthrie Consutling for more information. Follow Susan Guthrie and THE DIVORCE AND BEYOND PODCAST on social media for updates and inside tips and information: Susan on LinkedIn: https://www.linkedin.com/in/susaneguthrie/ Susan on Instagram @susanguthrieesq ********************************************************************* We'd really appreciate it if you would give us a 5 Star Rating and tell us what you like about the show in a review - your feedback really matters to us!  You can get in touch with Susan at [email protected].  Don't forget to visit the webpage www.divorceandbeyondpod.com and sign up for the free NEWSLETTER to receive a special welcome video from Susan and more!! ********************************************************************* DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM. ======================================

Beverly Price reveals the invisible scars that complicate healing during and after divorce for abuse victims in this powerful Domestic Violence Awareness Month episode of Divorce & Beyond. Susan Guthrie sits down with Beverly Price, a divorce coach and advocate for domestic violence survivors, to uncover the harsh realities of how divorce can re-traumatize victims. Together, they explore how untrained divorce professionals and legal abuse can exacerbate the trauma of domestic violence. Plus, Beverly shares critical advice on creating a safety exit plan, building support systems, and why trauma-informed care is essential. Featured topics: The various ways divorce can re-introduce trauma for those already traumatized in their relationship Unintentional re-traumatization by professionals not versed in domestic violence and how to encourage victims to seek trauma-informed experts Understanding legal abuse and how abusers can continue to manipulate and control throughout the legal process The importance of trauma counseling to help victims process and heal from their experiences How to find a trauma-informed divorce coach and the impact of having the right support Navigating personal turmoil, regret, and shame while going through divorce after being victimized The necessity of creating a safe exit plan—especially because 70% of women are murdered when leaving an abusive relationship Golden nuggets: “There's a process that can happen that takes a person from being traumatized to then going through divorce and being re-traumatized. It's the action of, in some cases, facing the abuser, whether it's in mediation or whether it's in litigation. That in itself can be terrible.” “You didn't cause it. I've been working with a woman for almost a year to watch her get stronger and not blame herself. But it takes work because if you think about it, all the years that you were subject to it [the abuse], you're not going to flip a switch and all of a sudden feel confident and feel like it's not your fault. But it is the abuser's fault. He's not doing it to you. He's doing it for himself.” **************************************** About this week's special guest: Beverly Price Beverly Price, of Her Empowered Divorce, has helped thousands of women with her 30+ years’ divorce coaching experience by providing knowledge, support, and insight to empower those going through the divorce process before, during and after. Her one-on-one coaching process includes extensive preparation, legal and financial education, emotional management, communication and negotiation skills, empowerment and support. She herself has a personal history with co-parenting, domestic violence, multiple divorces, being a single working mother and more. Beverly is also the host of the Her Empowered Divorce Podcast with industry leading guests who bring the latest information and guidance to help those going through divorce. She herself has a personal history with co-parenting, domestic violence, multiple divorces, being a single working mother and more Beverly is also the creator of the Divorce Coalition, who along with founders, Susan Guthrie and Kate Anthony, have formed a group of top podcast hosts, bloggers, and divorce professionals who are dedicated to bringing understanding, healing, and resilience to the forefront, ending the cycle of abuse one survivor at a time. She hosts “Divorce Coalition Live” radio and tv show where she interviews top divorce and domestic violence professionals to bring education and awareness to victims, survivors and the general public. The Divorce Coalition: https://www.divorcecoalition.com Her Empowered Divorce: https://herempowereddivorce.com Email: Beverly(at)coachingbybeverlyprice.com   Resources mentioned in this episode: National Domestic Violence Hotline: 800-799-7233 Breaking the Cycle of Shame and Divorce with Beverly Price **************************************** THANK YOU TO OUR SPONSORS:  HEADSPACE Hello, Divorce & Beyond family! We've teamed up with Headspace to guide you towards better mental health. With Headspace's meditation, mindfulness tools, and mental health support, you're set for a happier, healthier you. Sign up through our exclusive link for free two weeks of Headspace membership. Don't miss out on this opportunity to embrace well-being. ========================= HELLO DIVORCE Hey listeners! Are you navigating the tough waters of divorce and feeling overwhelmed by the process? Let me introduce you to Hello Divorce, your ultimate ally in making this journey smoother and less stressful. Hello Divorce offers a modern, affordable approach to divorce, combining expert legal advice with easy-to-use online tools. Whether you need help with paperwork, mediation, or guidance, Hello Divorce has you covered. Their flat-fee services mean no hidden costs—just clear, upfront pricing. Visit HelloDivorce.com today to learn more and take the first step towards your fresh start. Remember, you don't have to do this alone. Hello Divorce is here to help. ********************************************************************* SPONSORSHIP OPPORTUNITIES ARE AVAILABLE!  https://divorcebeyond.com/Sponsorship-Info ******************************************************************* MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, is nationally recognized as one of the top family law and divorce mediation attorneys in the country.  Susan is the Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here:https://susaneguthrie.com Internationally renowned as one of the leading experts in online mediation, Susan created her Learn to Mediate Online® program and has trained more than 25,000 professionals in how to transition their practice online.   Follow Susan Guthrie and THE DIVORCE AND BEYOND PODCAST on social media for updates and inside tips and information: Susan on LinkedIn: https://www.linkedin.com/in/susaneguthrie/ Susan on Instagram @susanguthrieesq ********************************************************************* We'd really appreciate it if you would give us a 5 Star Rating and tell us what you like about the show in a review - your feedback really matters to us!  You can get in touch with Susan at [email protected].  Don't forget to visit the webpage www.divorceandbeyondpod.com and sign up for the free NEWSLETTER to receive a special welcome video from Susan and more!! ********************************************************************* DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM. ======================================