Michelle Buonincontri

Personal Finance, Retirement, Investing
“Michelle Buonincontri, Financial Planner with Being Mindful in Divorce / New Direction Financial Strategies, is committed to educating and empowering families during the divorce process to create mindful, fair, and loving agreements.”

New Direction Financial Strategies, LLC

Job Title:

Certified Divorce Financial Analyst, Financial Planner


J.F. Kennedy said, ”If not I, who? if not now, when?” Michelle Buonincontri was moved and inspired by this quote when she first heard this and joined her children's School Board - more than 17 years later it is still her call to action.

“Belief” is Michelle's number one Gallup strength -  her  beliefs, in conjunction with this message, drive life her choices. Those with this theme  “have certain core values that are enduring. .. your Belief theme causes you to be family­-oriented, altruistic, even spiritual, and to value responsibility and high ethics ­­ both in yourself and others. These core values affect your behavior in many ways... it also demands that you find work that meshes with your values. Your work must be meaningful; it must matter to you" In 2009 when her divorce began, too many friends, family members, her children and herself were adversely affected by the divorce process.

At this time, Michelle founded her own firm, FOAL Planning, Inc, inspired by the vision of being and having a Faith-filled, Overflowing, Abundant Life; specializing in Investment Management and tax preparation  After her divorce, she left her New York State Registered Investment Advisory firm in 2012 and moved to Arizona; worked with Schwab Private Client Investor Advisor, Inc., as an Portfolio Manager, and then joined a small RIA as a CERTIFIED FINANCIAL PLANNER™ (CFP®), where she provided clients with Financial Planning, Investment Management  and Retirement Income planning services.

Now, after 20+ years in Financial services, working with corporate/business clients and individuals to define goals/objectives and implement solutions, she is nudged again - this time to found Being Mindful in Divorce, so that she can use her own personal and professional experiences to support couples, and professionals during the divorce process – to be a contribution to others.

Michelle holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation, and has experience in Financial Planning, Investments, and taxation with specialized training as a Certified Divorce Financial Analyst (CDFA™)  to address her clients concerns before, during and after divorce. Additionally, she is a registered Tax Preparer, is a contributing writer for Credit.com, trained as a mediator and a life coach, and volunteers as a presenter and financial coach at Fresh Start Women’s Foundation in Phoenix. Currently, serve as a WINS Advocate for the CFP Board, and have served as Director of Public Relations for the Financial Planning Association of Greater Phoenix, and as the  Director of Communications for the Financial Planning Association's Long Island Chapter. Michelle is also a member of the Maricopa County Association of Family Mediators, The Institute for Divorce Financial Analysts,  The Association of Divorce Financial Planners and on a more local note a member of the Chamber of Commerce.

Michelle has the privilege of creating a life she loves to live, and she wants to help her clients do that as well!


BAS, Business Administration and Communication, Adelphi University

CRD Number:



The information, tools and material presented by the Author are provided to you for informational purposes only and are not intended to be and should not be used or considered as an offer, recommendation or a solicitation to sell or an offer, recommendation or solicitation to buy or subscribe to any financial instruments, investment management services or advisory services. The Author does not intend to provide investment, tax or legal advice. Third-party information that is reproduced on this website is purely for informational purposes and does not constitute any endorsement of the Author’s viewpoint. Decisions based on information contained on this website are the sole responsibility of the user and the user agrees to hold Being Mindful in Divorce and New Direction Financial Strategies (also known as "NFDS") harmless against any claims for damages arising from any decision the user makes in reliance on information provided on the website. Prior to the execution of any transaction involving information provided by this website, the user should consult its business advisor, attorney and/or tax and accounting advisors with respect to the price, suitability, value or other aspects of any stock, bond, mutual fund, security or other investment. Depending on the user’s specific investment objectives and financial position, the investments discussed may or may not be suitable. It is up to the user to weigh any decision carefully.

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May 2017
    Retirement Savings, Insurance, Retirement
April 2017
    Marriage / Divorce, Retirement Savings, Personal Finance
June 2017
    Retirement Savings, Women & Money
August 2017
December 2017

All Answers
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    Choosing an Advisor
How can I determine if a Financial Advisor is a trustworthy fiduciary?
33% of people found this answer helpful

Not all Financial Advisors are equal, nor are they meant to be. Some focus on Investments, others Insurance products, and others look at your life holistically through comprehensive Financial Planning, of which Investments and Risk Management (Insurance products) are only 2 pieces of the puzzle.  Those that are trained as Certified Financial Planners,  and have a CFP® certification, typically work in the latter way – but that is NOT a guarantee, so you need to ask.

I think that research and referrals are always great starting tools. Followed up with a meeting and choosing someone that you get a sense of trust from. Someone that listens more than they talk, and seems to understand your priorities and concerns. After all this is a relationship, and we want to work with people that resonate with us, so “Trust your gut”!

Here are some tools to help

NOTE: Not everyone needs to be licensed as a Broker, as they may not be selling securities products. So if they don’t have a record, or are not currently “a registered” Broker that is not a necessarily a bad thing. For example, a CFP giving fee-only advice does not have to be a licensed broker.

  • If the person has an insurance license, check that it is valid, in good standing with no complaints. Regardless of the state you may lookup an individual by name using https://sbs.naic.org/solar-external-lookup/
  • Ask for and review their Form ADV if they have one. This brochure is the primary disclosure document that investment advisers provide to clients.

These are some beginning thoughts. I hope this help!

4 weeks ago
    Mutual Funds
Can I use my mutual funds as a savings account?
20% of people found this answer helpful
October 2017
    Investing, 401(k), IRAs, Taxes
Can I also contribute to a traditional IRA or a Roth IRA without paying a tax penalty?
20% of people found this answer helpful
August 2017
    Personal Finance, Tax Deductions / Credits
Is it possible to offset long-term capital gains with short-term capital losses?
20% of people found this answer helpful
April 2017
    Financial Planning, Investing
How should I invest a lump-sum of my savings?
18% of people found this answer helpful
April 2017