Working with a knowledgeable financial adviser through this time can provide you with insight into the long-term implications of these decisions.
For many divorcing couples the most difficult decisions, after settling custody issues, are the financial decisions that they have to face.  Here the questions have to do with which assets go to which ex-spouse.
Is it better that one take IRAs and company retirement plans while the other take other assets?  If one ex-spouse is to take ownership of the other’s IRA or company retirement plan, the transactions must be done according to the terms of the court and should be handled in such a way as to avoid unnecessary taxes. 
The rules are complex and mistakes can be very costly, requiring the guidance from dedicated professions like Bob Foland.




The easiest divorce is still difficult with a range of emotions swirling at a time when it’s critical that the parties involved make good decisions.  Once made, many of those decisions cannot be changed. Bob Foland can not only help you preserve your assets, but grow your investments so that you can have a sound financial future as you embark on a new life.


Bob Foland is the founder and president of The IRA Specialists.  Since 1988 he has been providing financial advice to individuals, couples and small businesses with the day-to-day planning needs such as investment planning, retirement planning and estate planning. 
He is also experienced in helping couples through the tricky process of dividing financial assets so as to avoid the pitfalls that can lead to unnecessary and often heavy taxation. 
With his emphasis on and knowledge of IRAs and company retirement plans, he’s able to help you navigate these complex areas.

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To put a plan in place that seeks to protect and maximize your assets, call Bob at 303-771-4727 or visit





Securities offered through LPL Financial, Member FINRA/SIPC. Investment Advisory Services are offered  through Householder Group. Estate and Retirement Specialists LLC., DBA, The IRA Specialists, Inc., a Registered Investment Advisor and separate entity from LPL Financial. Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements. The LPL representative associated with this site may only discuss and/or transact securities business with residents of the following states: Colorado.