Cover Your Assets – A Divorce & Money Podcast

We're Back! Welcome to Season 3

Season 3 is officially here 🎙️ The Cover Your Assets crew is back! Jade and Jo return for another season of real conversations around divorce, finances, life transitions, and everything in between — and this season, we’re adding a new voice to the mix. In this intro episode, we welcome our newest co-host and newest CDFA® to the team as she shares a little about her background, what brought her into the divorce financial space, and why CDFAs are important. Think of this episode as catching up with friends before we dive into the deeper conversations ahead. We’re excited to be back and even more excited for what’s coming in Season 3.

38. Reaching the Light at the End of the Tunnel with Sarah Frontiera

Divorce can feel like an ending, but Licensed Marriage and Family Therapist Sarah Frontiera helps us reframe it as a beginning—one filled with growth, clarity, and deeper self-understanding. In this episode, Sarah shares how healing happens not by avoiding pain, but by moving through it with intention. We talk about how exploring past patterns can create lasting change, why building support systems matters, and what age-appropriate honesty looks like when parenting through divorce. Whether you're in the middle of it or still processing what happened years ago, this conversation is a reminder that you can find strength and meaning on the other side. Connect with us! * Sarah Frontiera, LMFT Website [http://sarahfrontiera.com] * Josephti Cruz on LinkedIn  [https://www.linkedin.com/in/josephti/] * Jade Eagles on LinkedIn [https://www.linkedin.com/in/jadeeagles] Divorce might be the end of one chapter, but it’s also a brand-new journey filled with hope and growth. Join us for practical tips for financial empowerment and insights to make this time a little less daunting. Invite us on your journey at coveryourassetsdivorce.com. [http://coveryourassetsdivorce.com]

37. What Adult Children of Divorce Want You to Know with Lesa Ferguson and Donna Fletcher

In this emotional episode, three adults reflect on what it was really like to watch their parents' marriages fall apart as children—and how those early experiences still shape them today. From Lesa becoming a stand-in parent at age 12, to Jo escaping a violent home at four, to Donna leaving behind her life in the Philippines, their stories reveal the silent impact divorce has on kids. What hurt most wasn't the separation itself, but the lack of honest communication and emotional support. If you're navigating divorce with children, their insights offer a powerful reminder that how you show up now can shape your child's future for decades to come. Key takeaways: * Children are more aware than parents often realize during divorce * Silence and confusion leave lasting emotional gaps * Open, age-appropriate communication can help prevent long-term damage Connect with us! * Lesa Ferguson on LinkedIn [https://www.linkedin.com/in/lesa-ferguson-940760160/] * Activate Your Light [https://www.activateyourlight.love/] * Donna Fletcher [https://www.thewealthgardenfs.com/the-team/meet-the-team-donna-fletcher] * Josephti Cruz on LinkedIn  [https://www.linkedin.com/in/josephti/] * Jade Eagles on LinkedIn [https://www.linkedin.com/in/jadeeagles] Divorce might be the end of one chapter, but it’s also a brand-new journey filled with hope and growth. Join us for practical tips for financial empowerment and insights to make this time a little less daunting. Invite us on your journey at coveryourassetsdivorce.com.  [http://coveryourassetsdivorce.com]

36. Divorce and the Tax Mistakes Most People Miss

Dividing assets in a divorce might seem fair on the surface, but taxes can quietly tip the scales. In this episode, we share why a Roth IRA is not the same as a 401(k), and why keeping the house might come with hidden costs later. We also break down child-related tax benefits, how to avoid penalties when splitting retirement accounts, and why your divorce decree needs to get specific. If you are negotiating a settlement, this conversation will help you cushion your financial future by thinking a few steps ahead. Key takeaways: * Equal numbers on paper do not always mean equal after-tax value * The parent with more overnights usually gets the child tax benefits * A QDRO can help avoid early withdrawal penalties when dividing retirement funds Connect with us! * Josephti Cruz on LinkedIn  [https://www.linkedin.com/in/josephti/] * Jade Eagles on LinkedIn [https://www.linkedin.com/in/jadeeagles] Divorce might be the end of one chapter, but it’s also a brand-new journey filled with hope and growth. Join us for practical tips for financial empowerment and insights to make this time a little less daunting. Invite us on your journey at coveryourassetsdivorce.com.  [http://coveryourassetsdivorce.com]

35. Leaving Safely, Starting Over: Domestic Violence in Divorce with Stephanie Seal

Divorce is hard enough, but when domestic violence is involved, the stakes become life-altering. In this episode, licensed psychotherapist Stephanie Seal breaks down what non-physical abuse really looks like and how the cycle of control, gaslighting, and isolation keeps victims stuck. She shares essential tools for creating a safe exit strategy, from documenting abuse to planning a secure separation. Most of all, she reminds listeners that healing an abuser is never their responsibility and that safety, support, and freedom are within reach. Key takeaways: * Domestic violence includes emotional and psychological abuse, not just physical harm * Safety planning is essential, especially during separation when risk is highest * Victims are not responsible for fixing their abuser and must prioritize their own well-being Resources:  National Domestic Violence Hotline: 1-800-799-SAFE (7233) or thehotline.org Text “START” to 88788 for 24/7 confidential support. Create a Safety Plan: Reach out to trusted friends, keep important documents safe. Connect with us! * Stephanie Seal on LinkedIn [https://www.linkedin.com/in/stephanie-maczka-56aa6714/] * Stephanie Seal’s Website [https://www.healwithstephanieseal.com/] * Josephti Cruz on LinkedIn  [https://www.linkedin.com/in/josephti/] * Jade Eagles on LinkedIn [https://www.linkedin.com/in/jadeeagles] Divorce might be the end of one chapter, but it’s also a brand-new journey filled with hope and growth. Join us for practical tips for financial empowerment and insights to make this time a little less daunting. Invite us on your journey at coveryourassetsdivorce.com.  [http://coveryourassetsdivorce.com]