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Rosemary Frank

CDFA/ADFA, CFE, MAFF
Personal Finance, Retirement, Lifestage Based Planning
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“Rosemary Frank is a fee-only Financial Advisor who provides financial education and guidance with a strong focus on personal crisis: divorce, death of a loved one, and job loss.”
Firm:

Rosemary Frank Financial, LLC

Job Title:

Managing Member

Biography:

Rosemary Frank is the Principal of Rosemary Frank Financial, LLC, a fee-only Registered Investment Adviser. As such, she provides services in the areas of wealth management, divorce financial consulting, and other attorney support services. Bound by the fiduciary standard, she always puts the client's best interests ahead of all other considerations.

Her wealth management services are dedicated to helping individuals and families understand how money really works. A large part of her practice is focused on meeting the needs of women with attention to the specific challenges they face. She provides both financial education and guidance throughout all stages of life, but particularly following divorce, death of a loved one, or job loss. These can be extremely difficult times when the special patience and understanding she provides are appreciated.

As a divorce financial practitioner, Rosemary has worked on hundreds of divorce cases providing litigation support, expert witness testimony, or financial neutral consultant services. She has extensive experience with high net worth situations as well as highly contested divorce. Rosemary has emerged as one of the leading divorce financial practitioners in the country and regularly contributes to the development and refinement of professional procedures, protocols, and advanced thinking at a national level.

In addition to divorce-related attorney support, Rosemary is able to provide investment advisory services which are in support of and complementary to legal services in the areas of estate planning, business protection, litigation award management, inheritance management, and trust fund management. She is also an approved provider of Continuing Legal Education (CLE) on financial topics.

Prior to her career in financial services, Rosemary held a number of management and executive positions in the corporate environment. During her corporate tenure, she completed extensive business research and opportunity evaluations for a number of publicly traded firms in a variety of manufacturing and service industries. The focus of this work was on markets for new products/services and/or new geographies, new adaptations and uses for existing products, and merger and acquisition analyses. She also managed a host of ongoing activities to monitor the respective industry trends of key customer/client clusters. She regularly prepared critical presentation content for C-suite executives to deliver to public, professional, and investor audiences, as well as market and business outlook discussions for inclusion in SEC filings and annual reports.

Rosemary received her B.S. degree from Rochester Institute of Technology and was awarded an MBA by the University at Buffalo, State University of New York. She holds the designations of Certified Divorce Financial Analyst (CDFA), Advanced Divorce Financial Analyst (ADFA), Certified Fraud Examiner (CFE) and Master Analyst in Financial Forensics (MAFF). She is also a TN State Supreme Court Listed Rule 31 Family Law Mediator, specially trained in domestic violence. As an educator, she has authored several Continuing Legal Education (CLE) courses, on the financial and tax issues of divorce, which have been approved for credits by the TN Commission on Continuing Legal Education for attorneys and the TN Alternative Dispute Resolution Commission for mediators. In addition, she previously held an active General Securities licenses as well as a General Securities Principal (supervisory) license for a number of years before transitioning to the fee-only advisory service model. Most recently, she was approved as an Arbitrator, for securities transactions disputes, by the Financial Industry Regulatory Authority (FINRA).

Education:

BS, Business, Rochester Institute of Technology
MBA, Business Administration, University at Buffalo, State University of New York

Assets Under Management:

$2 million

Fee Structure:

Fee-Only

CRD Number:

4787101

Insurance License:

#817517

Disclaimer:

Rosemary Frank Financial, LLC is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Rosemary Frank is not an attorney and does not provide legal advice.

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July 2018
    Choosing an Advisor, Marriage / Divorce

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    Career / Compensation, Debt, Marriage / Divorce
Should I pay collections accounts in full just to stop them from hurting my credit score?
78% of people found this answer helpful

You say you "discovered accounts on my credit report," so it doesn't sound like you are hearing from debt collectors. These may just be reported in error. You should not be payng debts you know nothing about. In any event, because you are involved in a divorce, your situation becomes more sensitive. In most states, as soon as a divorce is filed, both parties are under restraining orders to not deviate from daily financial practices. This includes paying debts off in lump sum. 

Most importantly, you need to discuss this with your attorney and get legal advice on how to handle it. These debts may be marital and require consideration in the division of the marital estate. The funds you are contemplating using to pay them off with may be considered marital and need to be preserved in the marital estate for division.

I would hope that, again with your attorney's gudance, you can establish a minimum monthly payment that would be acceptable to the creditor as well as not violate your restraining order to maintain the financial status quo during the divorce. This should preserve your credit rating as best as possible.

An additional thought:  These may be debts that your husband incurred in your name. This really needs to be fully understood with the assistance of your attorney and/or a financial forensic. I am a divorce financial consultant and financial forensic. Let me know if I can help you further.

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