And with divorces no longer limited to contentious legal battles, financial advisers say they play a critical role in out-of-court settlements such as collaborative and mediated divorces.
理財(cái)顧問稱，隨著離婚不再局限于曠日持久的官司當(dāng)中，他們?cè)谕ネ夂徒馊鐓f(xié)議離婚和調(diào)解離婚案中扮演著關(guān)鍵性的角色。
"It's one of the most stressful transitions that a financial planner is needed for," says Laura Hyman, a New York City-based adviser with RBC Wealth Management, a division of Royal Bank of Canada."You have to look at them as the couple they were and as the individuals they are going to be. The usual financial planning structure doesn't work."
“這是理財(cái)規(guī)劃師需要做的最為充滿壓力的轉(zhuǎn)變之一，”在加拿大皇家銀行財(cái)富管理部工作的紐約市分部理財(cái)顧問Laura Hyman說?！澳惚仨氃谒麄冞€是夫妻、將要分道揚(yáng)鑣的時(shí)候就關(guān)注他們。常見的財(cái)務(wù)規(guī)劃結(jié)構(gòu)不中用。”
In a collaborative divorce, a team of experts is involved, including attorneys for both sides, a divorce coach and a child specialist if there are children involved.
在協(xié)議離婚案中，會(huì)有一個(gè)專家團(tuán)隊(duì)參與其中，包括離婚雙方的律師、離婚輔導(dǎo)員，如果離婚涉及到孩子，則還會(huì)有兒科醫(yī)生。
The role of the financial adviser is to act as a "financial neutral" and develop a plan for dividing the couple's assets. The adviser is prohibited from taking either party as a clientonce the divorce is finalized.
理財(cái)顧問的角色就是擔(dān)當(dāng)一個(gè)“財(cái)務(wù)中立者”，作出一份夫妻財(cái)產(chǎn)分割的計(jì)劃。離婚一旦了結(jié)，顧問便不得把任何一方當(dāng)作其客戶。
In a mediated divorce, usually only the attorneys and the mediator are involved. The adviser can act as a financial neutral, or he can be hired by either the husband or wife. Unlike in a collaborative divorce case, a financial neutral in a mediated divorce can take either party as a client after the divorce.
在調(diào)解離婚案中，通常只有律師和調(diào)解人參與其中。理財(cái)顧問可充當(dāng)財(cái)務(wù)中立者，或者他也可以受雇于丈夫或妻子任一方。和協(xié)議離婚不同的是，調(diào)解離婚案中的財(cái)務(wù)中立者可以在事后將夫妻任何一方當(dāng)作其客戶。
GETTING PAID
取得報(bào)酬
Unlike the usual modes of compensation for advisers -- commissions or as set-based fees -- a financial neutral charges an hourly fee.
與普通的顧問報(bào)酬模式——收取傭金或以資產(chǎn)為基礎(chǔ)來收費(fèi)——不同，財(cái)務(wù)中立者按小時(shí)收費(fèi)。
There is no set rate, but advisers usually charge $100 to $150 an hour, says Fadi Baradhi, president of the Institute for Divorce Financial Analysts (IDFA), which trains advisers indivorce issues.
雖然沒有設(shè)定的費(fèi)率，不過理財(cái)顧問一般會(huì)收取100-150美元一小時(shí)，培訓(xùn)離婚爭(zhēng)端顧問的離婚財(cái)務(wù)分析師協(xié)會(huì)的會(huì)長(zhǎng)Fadi Baradhi說。
In a mediated divorce, the bigger payoff usually comes if one of the parties chooses to work with the adviser after the divorce.
在調(diào)解離婚案中，如果一方選擇離婚后與顧問合作，則通常報(bào)酬會(huì)更高。
That's how Charles Day, a Purchase, a New York-based adviser with Morgan Stanley Smith Barney, a joint venture between Morgan Stanley and Citigroup, has built his divorce practice. He oversees $175 million in client assets, and over half of his practice is divorce-related. Nearly all of his divorce clients are women.
那就是摩根士丹利和花旗集團(tuán)的合資公司——摩根士丹利美邦公司的紐約市籍理財(cái)顧問CharlesDay為何開創(chuàng)其離婚業(yè)務(wù)的原因。他監(jiān)管著1億7千5百萬(wàn)美元的客戶資產(chǎn)，業(yè)務(wù)有一半以上與離婚有關(guān)。他的離婚客戶幾乎全是女性。
Clients are referred to him by their attorneys or therapists, and he does not usually charge a fee for his adviceduring the divorce. Day can advise a client for anywhere from six months to a year for free. He says he almost always succeeds in becoming the client's primary adviser after the divorce and taking care of their portion of the assets from the settlement.
客戶由他們的律師或治療專家介紹給他，而他通常不會(huì)在離婚期間收取顧問費(fèi)用。Day會(huì)為客戶免費(fèi)咨詢6個(gè)月到一年，不管是在哪個(gè)方面。他說他幾乎總是能在客戶離婚后成功地成為其首要顧問，并料理他們從協(xié)議中分得的部分資產(chǎn)。
"If you try to push them andmake them think you're only concerned about their money and not them, you will lose them as a client," Day said.
Day說，“假如你試圖催逼他們，讓他們認(rèn)為你只是關(guān)心他們的錢財(cái)而不是他們本人，你將失去他們成為客戶?！?/p>
Other advisers prefer the transient nature of financial neutral work.
其他理財(cái)顧問則更喜歡財(cái)務(wù)中立工作的那種臨時(shí)性。
Garrick Zielinski, a Milwaukee-based adviser who founded advisory firm Divorce Financial Solutions, says that after years of working as a traditional financial adviser, he does not miss the stress of maintaining long-term relationships with clients.
Garrick Zielinski，創(chuàng)立了離婚財(cái)產(chǎn)分配咨詢公司的密爾沃基市顧問表示，做了幾年傳統(tǒng)的理財(cái)顧問之后，他并沒遇到過與客戶保持長(zhǎng)期聯(lián)系的壓力。
"When the divorce is over you are done. You get them to the next stage of life and move on," he said.
“當(dāng)離婚案終結(jié)時(shí)，你也能被接受了。你要引導(dǎo)他們進(jìn)入下一階段的生活，繼續(xù)前行，”他說。
注：文章來源http://www.reuters.com。
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