Insurance
2 articles
·8 min read
House, 401(k), or Student Loan Debt? How Community Property vs. Equitable Distribution States Split a $620K Marital Estate — and the $38K Insurance Gap Nobody Prices In
A $620K marital estate with a house, a 401(k), and $60K in student loan debt splits very differently in California than in New York — and an underinsured homeowners policy can quietly erase another $38K. Here's the math to run before you sign.
Read more →·7 min read
Your Spouse's Company Just Went Public: How RSU Vesting Taxes and Lost ACA Subsidies Turn a $500K 'Equal' Divorce Settlement Into a $130K Swing
When one spouse holds unvested RSUs from a recent IPO and the other loses ACA-subsidized health coverage, a 50/50 paper split on a $500K estate can hide a $130K combined swing in after-tax value and future costs.
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