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    <title type="text">Zashin Law</title>
    <subtitle type="text">Zashin Law</subtitle>

    <updated>2026-11-09T19:36:33Z</updated>

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        <entry>
            <author>
									                    <name>On Behalf of Zashin Law</name>
				            </author>
            <title type="html"><![CDATA[Is pre-divorce frugality a tactical error?]]></title>
            <link rel="alternate" type="text/html" href="https://www.zashinlaw.com/blog/2026/10/is-pre-divorce-frugality-a-tactical-error/" />
            <id>https://www.zashinlaw.com/?p=50376</id>
            <updated>2026-10-15T08:35:39Z</updated>
            <published>2026-10-20T08:34:56Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[Starting a divorce often triggers a survival instinct to lock down finances. For high-net-worth couples, this reflex can actually complicate the legal process rather than protect it. When a marriage involves significant assets, the court looks closely at many factors, including the lifestyle you built together, to determine what a fair property division and support arrangement might look like. The…]]></summary>
			                <content type="html" xml:base="https://www.zashinlaw.com/blog/2026/10/is-pre-divorce-frugality-a-tactical-error/"><![CDATA[Starting a divorce often triggers a survival instinct to lock down finances. For high-net-worth couples, this reflex can actually complicate the legal process rather than protect it. When a marriage involves significant assets, the court looks closely at many factors, including the lifestyle you built together, to determine what a fair property division and support arrangement might look like.
<h2>The math behind your marital standard of living</h2>
In Ohio, courts consider the marital standard of living as one factor when evaluating <a href="https://codes.ohio.gov/ohio-revised-code/section-3105.18" target="_blank" rel="noopener noreferrer" data-wpel-link="external">spousal support.</a> In higher-asset cases, lawyers and financial experts may use historical spending and cash-flow records to help illustrate that lifestyle, which can entail years of travel, club memberships, private schooling and household maintenance.

If one spouse suddenly slashes spending or cancels credit cards in the months leading up to a filing, it creates a distorted picture of the family’s reality. This sudden shift can look like an attempt to lowball a future support obligation or hide the true cost of the family's resources.
<h2>How forensic accountants reconstruct the truth</h2>
Professional financial analysts often perform a lifestyle analysis to see through temporary changes in behavior. They look at historical data to find the true baseline of your daily life. A typical analysis involves reviewing several years of:
<ul>
 	<li>Detailed credit card statements and bank ledgers</li>
 	<li>Tax filings and business expense reimbursements</li>
 	<li>Cash flow patterns that supported luxury purchases or travel</li>
</ul>
This deep dive often helps prevent a few months of strategic frugality from overwriting years of established financial history. Consistency in your records makes it much easier to present a clear case to the court.
<h2>Staying consistent for a clearer outcome</h2>
Sudden, drastic shifts in spending can appear manipulative to a judge and may lead to temporary orders that do not reflect long-term reality. You can provide a clean data set for the legal process by:
<ul>
 	<li>Avoiding unusual transactions</li>
 	<li>Documenting reasons for changes</li>
 	<li>Fully and accurately disclosing assets and liabilities</li>
 	<li>Following any temporary restraining orders/standing orders that often apply once a case is filed</li>
</ul>
This transparency simplifies the path toward an equitable arrangement and reduces the friction that comes from contested financial disclosures.
<div class="fl-dynamic-text-response">

In the arena of <a href="https://www.zashinlaw.com/family-law/" target="_blank" rel="noopener" data-wpel-link="internal">high-stakes family law</a>, a reactive budget cut is a tactical error that misses the bigger picture. We excel in these complexities, bringing the robust guidance and profound legal insight necessary to manage financially sophisticated cases.

</div>]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Zashin Law</name>
				            </author>
            <title type="html"><![CDATA[3 ways business owners can keep divorce from undoing their work]]></title>
            <link rel="alternate" type="text/html" href="https://www.zashinlaw.com/blog/2026/09/3-ways-business-owners-can-keep-divorce-from-undoing-their-work/" />
            <id>https://www.zashinlaw.com/?p=50352</id>
            <updated>2026-09-23T10:08:54Z</updated>
            <published>2026-09-28T10:07:22Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[A business can survive a bad quarter. It can survive a lost client, a market downturn or a difficult year. But divorce can create a different kind of threat: the possibility that the company becomes part of a financial breakup. For a business owner, the concern goes beyond, “Who gets what?” The real issue may be whether years of work,…]]></summary>
			                <content type="html" xml:base="https://www.zashinlaw.com/blog/2026/09/3-ways-business-owners-can-keep-divorce-from-undoing-their-work/"><![CDATA[<span style="font-weight: 400;">A business can survive a bad quarter. It can survive a lost client, a market downturn or a difficult year. But divorce can create a different kind of threat: the possibility that the company becomes part of a financial breakup.</span>

<span style="font-weight: 400;">For a business owner, the concern goes beyond, “Who gets what?” The real issue may be whether years of work, growth and investment can remain intact after the marriage ends.</span>

<span style="font-weight: 400;">Ohio law requires courts to divide marital property equitably, but the division does not have to be equal. Business owners can take these three steps to approach that division with the bigger picture in mind.</span>
<h2><span style="font-weight: 400;">1. Draw the line between the business and the marriage</span></h2>
<span style="font-weight: 400;">The first question is not necessarily, “How much is the business worth?” It is, “How much of the business belongs in the marital estate?”</span>

<span style="font-weight: 400;">Ohio classifies</span><a href="https://www.findlaw.com/state/ohio-law/ohio-marital-property-laws.html" target="_blank" rel="noopener noreferrer" data-wpel-link="external"><span style="font-weight: 400;"> property acquired during the marriage</span></a><span style="font-weight: 400;"> as marital property. A business interest owned before marriage may qualify as separate property, but appreciation tied to either spouse’s labor, money or other contributions during the marriage may become marital property. Owners should gather formation documents, financial statements, tax records and other records that show how the business developed over time.</span>
<h2><span style="font-weight: 400;">2. Establish the business’s true value </span></h2>
<span style="font-weight: 400;">A business valuation can significantly affect how the marital estate is divided. An accurate valuation can help determine how much of the business belongs in the marital estate and what a spouse may need to give up to retain the company. </span>
<h2><span style="font-weight: 400;">3. Look beyond selling the company</span></h2>
<span style="font-weight: 400;">Ohio law allows a court to consider whether keeping an asset intact makes economic sense. A distributive award can allow one spouse to keep an asset, such as a business, while giving the other spouse a corresponding share of the marital property in another form. This may allow the business owner to retain the company without having to sell or divide the business itself. </span>
<h2><span style="font-weight: 400;">The goal is more than splitting the balance sheet</span></h2>
<span style="font-weight: 400;">For some business owners, the company is the asset they care most about preserving. A thoughtful divorce strategy should account for that priority while addressing the marital estate fairly.</span>

<span style="font-weight: 400;">An experienced family law attorney can help assess the business, determine what may be subject to division and develop </span><a href="https://www.zashinlaw.com/family-law/" target="_blank" rel="noopener" data-wpel-link="internal"><span style="font-weight: 400;">a property division strategy</span></a><span style="font-weight: 400;"> around the owner's goals. Legal guidance can make a significant difference when the outcome could affect both personal wealth and the future of a business.</span>]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>by Andrew  Zashin</name>
				            </author>
            <title type="html"><![CDATA[Protecting your financial legacy]]></title>
            <link rel="alternate" type="text/html" href="https://www.zashinlaw.com/blog/2026/09/protecting-your-financial-legacy/" />
            <id>https://www.zashinlaw.com/?p=50356</id>
            <updated>2026-09-18T19:23:41Z</updated>
            <published>2026-09-18T19:23:14Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[Most people spend years thinking about their finances in practical terms. They save for retirement, buy homes, support their children, make investments and try to build a measure of security in life. What receives less attention is what will eventually happen to everything they have built and whether the plans they made years ago still reflect the people and priorities…]]></summary>
			                <content type="html" xml:base="https://www.zashinlaw.com/blog/2026/09/protecting-your-financial-legacy/"><![CDATA[Most people spend years thinking about their finances in practical terms. They save for retirement, buy homes, support their children, make investments and try to build a measure of security in life. What receives less attention is what will eventually happen to everything they have built and whether the plans they made years ago still reflect the people and priorities that matter to them today.

That is an important part of a person’s financial legacy. It is not only a question of who receives property after someone dies, it also involves who will manage those assets, who can make financial decisions if the need arises, how children or other family members will be provided for and whether some portion of an estate should continue supporting institutions or causes that have been meaningful during a person’s lifetime.

Estate planning provides a framework for making those decisions. A will or trust can direct how property is distributed, while other documents can determine who has the authority to act when someone can no longer manage financial or personal matters independently. The people chosen to serve as executors, trustees or agents may ultimately carry significant responsibility, so those choices deserve careful thought.

They also deserve to be revisited from time to time. Families rarely remain exactly as they were when an estate plan was first prepared. Children grow up. Grandchildren are born. People marry, divorce, remarry, retire, acquire new assets and experience the loss of relatives or close friends. As those circumstances change, an estate plan that once made perfect sense can gradually stop reflecting a person’s life.

Divorce is one example of a change that should prompt that kind of review. Many married people build their estate plans around their spouse, naming that person as a beneficiary or placing them in a position of responsibility. When a marriage ends, it is worth considering whether those decisions should change as well. The same is true after a remarriage, the birth of a child, a major change in finances or other events that reshape a family.

Children can make planning especially important. A parent may want a son or daughter to inherit but may not believe that receiving a large amount of money outright at a young age is the best approach. A properly structured trust can allow assets to be used for a child’s education, health care, housing and other needs while providing for someone else to manage those assets until the child is ready to assume greater responsibility.

Choosing the person who will oversee that money can be just as important as deciding how it will be used. A relative or close friend may know the family well, but managing a trust can require years of attention and financial judgment. In some circumstances, a professional trustee may be a better fit. What matters is that the decision is made deliberately rather than allowing an old designation to remain in place because no one thought to revisit it.

A financial legacy can also reach beyond one’s immediate family. Many people spend their lives supporting religious institutions, schools, hospitals, community organizations and other causes that reflect their values. Estate planning can provide a way for that support to continue.

Charitable giving may be incorporated into a will or trust, and certain financial accounts may allow a charitable organization to be named as a beneficiary. For someone who has spent decades supporting a synagogue, an alma mater, a local institution or another cause, including that organization in an estate plan can be a natural extension of the commitments made during life.

These decisions are ultimately connected. A financial legacy reflects not only what a person has accumulated, but also what that person wants those resources to do. Some assets may provide security for a surviving spouse. Others may help children or grandchildren build their futures. Still others may support an institution or cause whose work the individual hopes will continue long after they are gone.

Building financial security takes years of work. Protecting the legacy created by that work deserves attention as well. Thoughtful planning can help make sure that the people entrusted with important responsibilities are still the right people, that loved ones are provided for in the way intended and that the organizations and causes a person values can remain part of the story.

Because these decisions may carry legal, tax and financial consequences, individuals should work with appropriate professionals when creating or revising an estate plan. No plan can anticipate every change the future will bring, but a well-considered one can help ensure that a person’s financial legacy continues to reflect the life, relationships and values behind it.

This article originally appeared as a column for the <a href="https://www.clevelandjewishnews.com/protecting-your-financial-legacy/article_99984b91-0a55-42b1-b0e3-02bdb16d9581.html" target="_blank" rel="noopener noreferrer" data-wpel-link="external">Cleveland Jewish News</a>.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Zashin Law</name>
				            </author>
            <title type="html"><![CDATA[Safeguards for parents facing international custody risks]]></title>
            <link rel="alternate" type="text/html" href="https://www.zashinlaw.com/blog/2026/08/safeguards-for-parents-facing-international-custody-risks/" />
            <id>https://www.zashinlaw.com/?p=50323</id>
            <updated>2026-08-28T14:37:49Z</updated>
            <published>2026-08-28T14:37:49Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[When parents share custody across international boundaries, the risk of unauthorized removal becomes a serious concern. Fortunately, Ohio law provides several powerful tools to protect children before a crisis occurs. If you find yourself in this situation, these proactive measures can make all the difference. Understanding these protections and implementing them early is essential to safeguard both your child’s safety…]]></summary>
			                <content type="html" xml:base="https://www.zashinlaw.com/blog/2026/08/safeguards-for-parents-facing-international-custody-risks/"><![CDATA[When parents share custody across international boundaries, the risk of unauthorized removal becomes a serious concern. Fortunately, Ohio law provides several powerful tools to protect children before a crisis occurs.

If you find yourself in this situation, these proactive measures can make all the difference. Understanding these protections and implementing them early is essential to safeguard both your child’s safety and your parenting rights.
<h2>Strengthening your custody decree</h2>
Beyond a general reasonable visitation standard, you may also include a requirement that any international travel with your child must have advance written consent from the other parent. The decree should also require that the traveling parent provide a detailed itinerary and full contact details for the foreign destination.

In Ohio, courts can also include specific language in your divorce decree or parenting plan that explicitly prohibits the removal of the child from the U.S. without a court order. In addition, <a href="https://www.law.cornell.edu/category/keywords/ne_exeat#:~:text=Issues,International%20Child%20Abduction." target="_blank" rel="noopener noreferrer" data-wpel-link="external">ne exeat orders</a> can prevent the removal of a child from a particular jurisdiction without the other parent's or the court's permission.
<h2>Protecting your child’s passport</h2>
As an added precaution, you can register your child in the <a href="https://travel.state.gov/content/travel/en/International-Parental-Child-Abduction/prevention/passport-issuance-alert-program.html" target="_blank" rel="noopener noreferrer" data-wpel-link="external">Children’s Passport Issuance Alert Program (CPIAP)</a>. This ensures you get a notification if anyone submits a passport application for your child. In high-risk cases, an Ohio court can order that the child’s passport be held by the court or a neutral third party to prevent unauthorized travel.
<h2>Placing practical barriers</h2>
In some cases, an Ohio court may require a parent to post a security bond before allowing travel. The bond can discourage a parent from moving without permission or taking the child while offering financial protection. If the parent does not return the child as ordered, the bond may be taken and used to help pay the other parent’s legal costs and search and recovery expenses.

For parents with significant ties to a foreign country and a history of threats, the court may order supervised visitation in Ohio. This means all their interactions with the child occur under the watchful eye of a trusted adult.
<h2>When vigilance matters</h2>
Once your child is across another country’s borders, the legal landscape changes drastically. Acting promptly can help you put meaningful deterrents in place to help <a href="https://www.zashinlaw.com/hague-convention/" data-wpel-link="internal">prevent your child’s unauthorized abduction</a>. An experienced international family lawyer can help you audit your current custody orders for these protections.

&nbsp;]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Zashin Law</name>
				            </author>
            <title type="html"><![CDATA[5 records that may reveal overseas assets in an Ohio divorce]]></title>
            <link rel="alternate" type="text/html" href="https://www.zashinlaw.com/blog/2026/08/5-records-that-may-reveal-overseas-assets-in-an-ohio-divorce/" />
            <id>https://www.zashinlaw.com/?p=50326</id>
            <updated>2026-08-28T14:37:38Z</updated>
            <published>2026-08-28T14:37:38Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[When your divorce involves accounts, businesses or property in more than one country, the financial disclosures may not show the complete picture. An ownership interest may appear in a tax form, transfer record or company document even when it is missing from a spouse’s property list. Ohio law requires each spouse to fully disclose marital and separate property, other assets,…]]></summary>
			                <content type="html" xml:base="https://www.zashinlaw.com/blog/2026/08/5-records-that-may-reveal-overseas-assets-in-an-ohio-divorce/"><![CDATA[When your divorce involves accounts, businesses or property in more than one country, the financial disclosures may not show the complete picture. An ownership interest may appear in a tax form, transfer record or company document even when it is missing from a spouse’s property list.

<a href="https://codes.findlaw.com/oh/title-xxxi-domestic-relations-children/oh-rev-code-sect-3105-171/" target="_blank" rel="noopener noreferrer" data-wpel-link="external">Ohio law</a> requires each spouse to fully disclose marital and separate property, other assets, debts, income and expenses. The state’s standardized divorce forms also include an Affidavit of Property and Debt.

These five record types may help your legal and financial team identify missing information:
<h2>1. Federal tax and foreign account reports</h2>
Federal tax returns, Form 8938 and Reports of Foreign Bank and Financial Accounts, or FBARs, may identify foreign accounts, investment interests or income. Differences between these reports and the financial information provided in the divorce may raise questions about missing accounts or income.
<h2>2. International wire transfer records</h2>
Wire records may reveal foreign banks, recipients and repeated payments. A transfer alone does not prove ownership, but it may point to an account, business or property that needs further investigation.
<h2>3. Corporate ownership documents</h2>
Records showing who owns company shares or partnership interests may reveal a spouse’s connection to an overseas business. They may also reveal ownership held through another entity or under a different company name.
<h2>4. Trust and foundation records</h2>
Trust documents may show whether money earned during the marriage was placed in a foreign trust or whether a spouse has a right to receive payments from it.
<h2>5. Foreign property records</h2>
Deeds, official ownership records, mortgage documents and tax bills may help show whether a spouse owns foreign real estate. Residency applications or foreign addresses may offer clues, but they do not necessarily prove ownership.

During discovery, the formal exchange of information in a divorce, your legal team may request documents or issue subpoenas to obtain records. Evidence held abroad may require foreign counsel or an international process, such as a request under the Hague Evidence Convention, depending on the country.
<h2>Building a complete financial picture</h2>
No single record proves whether an overseas asset exists or qualifies as <a href="https://www.zashinlaw.com/family-law/property-division/" target="_blank" rel="noopener" data-wpel-link="internal">marital property</a>. If you notice unexplained transfers, company names or foreign addresses in records you lawfully possess, preserving that information may help your legal team determine what additional documents to pursue.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>by Andrew  Zashin</name>
				            </author>
            <title type="html"><![CDATA[Protect commercial real estate when marriage ends]]></title>
            <link rel="alternate" type="text/html" href="https://www.zashinlaw.com/blog/2026/08/protect-commercial-real-estate-when-marriage-ends/" />
            <id>https://www.zashinlaw.com/?p=50342</id>
            <updated>2026-08-25T19:53:44Z</updated>
            <published>2026-08-21T14:00:14Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[A divorce can force business owners to answer a question they may never have expected to face. What happens to the property on which the business depends? Commercial real estate can be particularly difficult to address because its value is often intertwined with an operating business, rental income, financing and long-term investment plans. Dividing that property without disrupting the business…]]></summary>
			                <content type="html" xml:base="https://www.zashinlaw.com/blog/2026/08/protect-commercial-real-estate-when-marriage-ends/"><![CDATA[A divorce can force business owners to answer a question they may never have expected to face. What happens to the property on which the business depends? Commercial real estate can be particularly difficult to address because its value is often intertwined with an operating business, rental income, financing and long-term investment plans. Dividing that property without disrupting the business or damaging its value requires careful planning.

The first question is usually whether the property is marital or separate. Under Ohio law, property acquired during a marriage is generally considered marital property, while property acquired before marriage may qualify as separate property. The analysis, however, does not necessarily end there. Appreciation in separate property that results from the labor, money or contributions of either spouse during the marriage may itself be marital property. Passive appreciation may remain separate because it is not the result of either spouse’s efforts or marital contributions, but instead occurs due to external market forces such as changes in real estate values, inflation, or neighborhood development.

Consider a spouse who owned a commercial building before getting married. If the building increased in value because the surrounding neighborhood became more desirable, that increase may be treated differently from appreciation attributable to renovations, management efforts or marital funds used to reduce debt. Determining how much of the property’s current value is marital may require tracing financial records and obtaining an expert valuation.

Business owners should also understand that the name on the deed does not necessarily decide the issue. Under Ohio law, the way property is titled does not, by itself, determine whether it is marital or separate property. Holding commercial property through a limited liability company or another business entity also does not automatically place its value beyond the reach of a divorce proceeding. The ownership interest, source of the funds used to acquire the property and activity involving the property during the marriage may all be relevant.

Valuation creates another challenge. Commercial property cannot be divided as easily as a bank account. Its value may depend on rental income, leases, vacancy rates, debt, repairs and market conditions. A property may have significant value on paper while producing relatively little available cash.

The situation becomes even more complicated when the property is essential to an operating business. Selling a building simply to divide its value could disrupt operations, force a relocation and create tax or transaction costs. Ohio law allows courts dividing marital property to consider factors including liquidity, tax consequences, sale costs and the economic desirability of keeping an asset intact.

For that reason, protecting commercial real estate often requires looking beyond the property itself. A business owner who wants to retain a building may need other assets to compensate a spouse for his or her share of its value. Cash, investments or other property may be used to structure a settlement. Refinancing may also provide the funds necessary for a buyout.

Documentation can be just as important as valuation. Owners should keep records showing when the property was acquired, how the purchase was funded, what debt existed at the time of marriage and how improvements were paid for. Separate property may retain its separate character, but the owner must generally be able to trace it. Incomplete records can make that significantly harder.

Planning before a dispute arises can provide additional protection. Prenuptial agreements may address how commercial real estate, business interests and future appreciation will be treated if a marriage ends. Ohio also permits postnuptial agreements when the applicable legal requirements are satisfied. Business owners with partners should also consider whether operating or partnership agreements contain transfer restrictions, valuation procedures or buyout provisions designed to prevent a divorce from disrupting the entire business.

Commercial real estate does not necessarily have to be sold when a marriage ends. In many cases, preserving the property and the business connected to it may be in everyone’s economic interest. The key is understanding how the property was acquired, how its value developed, how it is financed and how it fits into the larger marital estate.

Commercial property is usually acquired with a long-term plan in mind. Careful documentation, realistic valuation and advance planning can help prevent divorce from turning that investment into a short or long-term financial burden.

This article originally appeared as a column for the <a href="https://www.clevelandjewishnews.com/protect-commercial-real-estate-when-marriage-ends/article_59b4b602-a9b5-4d34-9a57-d8e2307a3233.html" target="_blank" rel="noopener noreferrer" data-wpel-link="external">Cleveland Jewish News</a>.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>by Andrew  Zashin</name>
				            </author>
            <title type="html"><![CDATA[Before the divorce is final: Insurance issues you should not overlook]]></title>
            <link rel="alternate" type="text/html" href="https://www.zashinlaw.com/blog/2026/07/before-the-divorce-is-final-insurance-issues-you-should-not-overlook/" />
            <id>https://www.zashinlaw.com/?p=50316</id>
            <updated>2026-07-27T15:35:12Z</updated>
            <published>2026-07-23T15:00:44Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[When people begin the divorce process, insurance is rarely the first issue that comes to mind. Most spouses are focused on children, support, retirement accounts and property. Yet a missed enrollment deadline, outdated beneficiary designation or policy that no longer reflects who owns a home or vehicle can create expensive problems after the divorce is final. Health insurance should often…]]></summary>
			                <content type="html" xml:base="https://www.zashinlaw.com/blog/2026/07/before-the-divorce-is-final-insurance-issues-you-should-not-overlook/"><![CDATA[When people begin the divorce process, insurance is rarely the first issue that comes to mind. Most spouses are focused on children, support, retirement accounts and property. Yet a missed enrollment deadline, outdated beneficiary designation or policy that no longer reflects who owns a home or vehicle can create expensive problems after the divorce is final.

Health insurance should often be the most immediate concern. Under Ohio law, a spouse generally cannot cancel existing health coverage for the other spouse or dependents simply because a divorce or dissolution case has been filed. When the coverage existed before filing and the family members remain eligible, it generally must continue until the court determines that the policyholder is no longer responsible for providing it.

That protection does not necessarily continue after the marriage ends. A former spouse will commonly lose eligibility as a dependent under the employee’s health plan. Before the final decree, the covered spouse should review the plan documents, confirm when coverage will end and consider replacement options.

One possible option is COBRA, named for the federal Consolidated Omnibus Budget Reconciliation Act. If an employer’s plan is subject to COBRA, a former spouse who loses coverage because of divorce may be able to continue the same group health plan for up to 36 months. The principal drawback is cost. The former spouse may have to pay the entire premium, including the share previously paid by the employer, plus a small administrative charge.

COBRA also has strict procedures. The employee or former spouse generally must notify the health plan of the divorce within the plan’s required period, which must allow at least 60 days. The former spouse then receives a separate opportunity to elect coverage. Anyone considering COBRA should follow the plan administrator’s instructions rather than assume that the court or employer will handle every step. Alternative coverage plans may be available through a person’s own employer or a private individual policy. Depending on age, income, disability status and other circumstances, Medicaid or Medicare may also be available. Because enrollment windows and eligibility requirements vary, replacement coverage should be investigated before current coverage ends.

Additionally, the handling of children’s insurance during a divorce process requires separate attention. An Ohio child-support order may address which parent must maintain available, reasonably priced health coverage and how medical support will be handled. Parents should also make their agreement clear about deductibles, copayments, prescriptions, therapy, dental or orthodontic care and other uncovered expenses. It should explain what documentation is required, when reimbursement is due and what happens if the insured parent changes jobs or loses coverage.

It is critical to review life insurance policies with a sophisticated domestic attorney before you file for divorce. These policies, and any cash value attendant to them, could be marital property subject to division upon divorce. If a party does something that impacts the policy or any cash value (takes the cash, takes a loan against the policy, cancels the policy, etc.), the court might hold that person responsible for any diminution of the marital estate. Also, life insurances policies, whether held in trust or not, are often subject to the owner’s decision to change beneficiaries. So, in certain circumstances it may be advisable (or not) to change beneficiaries prior to filing for divorce. In our practice we have seen clients die during a divorce and their life insurance proceeds go to former spouses. Therefore, pre-divorce planning is essential.

Similarly, homeowners, renters and automobile coverage should also reflect the family’s new living and ownership arrangements. The spouse keeping the home should confirm that the property remains properly insured and that mortgage requirements are satisfied. Automobile policies should be updated to accurately identify each vehicle’s owner, regular drivers and primary location.

Insurance decisions should be addressed before the divorce is finalized and each former spouse should know which policies remain in effect, when coverage may end, what replacement insurance may cost and which beneficiary or ownership details must be updated. Addressing these issues early can help avoid costly problems after the case ends and a new chapter of life begins.

This article originally appeared as a column for the <a href="https://www.clevelandjewishnews.com/features/special_sections/insurance/before-the-divorce-is-final-insurance-issues-you-should-not-overlook/article_65564031-23bc-4737-97ec-430ab8dd0f25.html" target="_blank" rel="noopener noreferrer" data-wpel-link="external">Cleveland Jewish News</a>.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>by Andrew  Zashin</name>
				            </author>
            <title type="html"><![CDATA[Rethinking legacy after divorce]]></title>
            <link rel="alternate" type="text/html" href="https://www.zashinlaw.com/blog/2026/06/rethinking-legacy-after-divorce/" />
            <id>https://www.zashinlaw.com/?p=50289</id>
            <updated>2026-06-22T13:00:26Z</updated>
            <published>2026-06-19T15:00:48Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[Parents across the country and around the world often push their children to reach the highest levels of academic success. For many, admission to the most elite institutions, particularly the Ivy League, is seen as a defining marker of achievement leading to life-altering success. Yet with limited spots, intense competition and financial constraints, many capable students will not have access…]]></summary>
			                <content type="html" xml:base="https://www.zashinlaw.com/blog/2026/06/rethinking-legacy-after-divorce/"><![CDATA[Parents across the country and around the world often push their children to reach the highest levels of academic success. For many, admission to the most elite institutions, particularly the Ivy League, is seen as a defining marker of achievement leading to life-altering success.

Yet with limited spots, intense competition and financial constraints, many capable students will not have access to these institutions. This is an unfortunate reality of the academic ecosystem. Still, the opportunity to truly excel is not limited to a small number of elite schools. More important, in many cases, are the environments parents help create for their children, which can shape their success in lasting ways, regardless of where they ultimately enroll.

A recent analysis in The Atlantic suggests that the value of an Ivy League education lies less in classroom instruction and more in the environment they foster. Central to the article is the idea that the substance of education is fungible. However, what is irreplaceable is the intangible environment in which students are educated. Students are surrounded by high-achieving peers, strong networks and a culture that reinforces ambition and opportunity. Over time, these factors help shape long-term outcomes.

Parents, it seems, can have a meaningful influence on their children’s futures by intentionally shaping the environments in which they are raised and educated. This insight extends well beyond higher education. If environment plays a defining role in success, then the environments children grow up in deserve careful attention, particularly in the context of divorce.

Family law often focuses on custody arrangements, parenting time and financial support. These issues are essential. However, children also benefit from consistent access to stable, opportunity-rich environments that support their development over time. Divorce can disrupt those environments through relocation, changes in school districts and shifts in daily structure. These changes are not neutral. They can influence a child’s peer group, expectations and long-term trajectory.

Parents should aim to provide their children with an “Ivy League-like” environment, one defined by strong peer groups, high expectations and access to opportunity, regardless of marital status, wealth or the institution a child ultimately attends. Even when divorce introduces disruption, maintaining a focus on long-term growth and development remains essential.

Support for a child’s future success must extend beyond finances. Tools such as 529 college savings plans are important and should be prioritized, but financial preparation alone is not enough. Preparing a child for future opportunities requires sustained investment in academic development, extracurricular involvement, mentorship and guidance. It reflects years of effort in creating a home environment that fosters discipline, curiosity and resilience.

Decisions surrounding 529 college savings plans can also serve as a model for how parents approach a child’s future more broadly after divorce. When structured with a focus on long-term outcomes, rather than short-term disagreement, they reflect a shared investment in a child’s success. That same approach should carry over into decisions about schooling, environment and developmental support, where consistency and cooperation are often just as important as financial contributions. The choices parents make in these areas are critical and can play a decisive role in shaping whether a child has the opportunity to succeed in the future.

The environment provided at an Ivy League, or any collegiate institution whether private or public, builds upon and refines the foundation that families can and should be establishing at home. In many ways, these institutions serve as a continuation of that early environment, helping prepare students for the transition into adulthood.

For many families, education has long been viewed as a pathway to opportunity and stability across generations. That principle remains true. For parents navigating divorce, the question is not only what will be divided in separation, but what type of environment can be cultivated for their children going forward and how it will shape their development. Decisions about where a child lives, where they attend school and how they are supported over time are decisions that shape their future. Preserving access to strong environments, and the support systems that sustain them, should remain a central priority and can have a lasting impact on a child’s ability to succeed.

This article originally appeared as a column for the <a href="https://www.clevelandjewishnews.com/rethinking-legacy-after-divorce/article_4ab1d3ad-d833-4677-bb0b-d744b706eb59.html" target="_blank" rel="noopener noreferrer" data-wpel-link="external">Cleveland Jewish News</a>.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>by Andrew  Zashin</name>
				            </author>
            <title type="html"><![CDATA[How divorce should protect child’s education]]></title>
            <link rel="alternate" type="text/html" href="https://www.zashinlaw.com/blog/2026/04/how-divorce-should-protect-childs-education/" />
            <id>https://www.zashinlaw.com/?p=50136</id>
            <updated>2026-04-20T20:14:53Z</updated>
            <published>2026-04-20T20:14:01Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[Parents across the country and around the world often push their children to reach the highest levels of academic success. For many, admission to the most elite institutions, particularly the Ivy League, is seen as a defining marker of achievement leading to life-altering success. Yet with limited spots, intense competition and financial constraints, many capable students will not have access…]]></summary>
			                <content type="html" xml:base="https://www.zashinlaw.com/blog/2026/04/how-divorce-should-protect-childs-education/"><![CDATA[Parents across the country and around the world often push their children to reach the highest levels of academic success. For many, admission to the most elite institutions, particularly the Ivy League, is seen as a defining marker of achievement leading to life-altering success.

Yet with limited spots, intense competition and financial constraints, many capable students will not have access to these institutions. This is an unfortunate reality of the academic ecosystem. Still, the opportunity to truly excel is not limited to a small number of elite schools. More important, in many cases, are the environments parents help create for their children, which can shape their success in lasting ways, regardless of where they ultimately enroll.

A recent analysis in The Atlantic suggests that the value of an Ivy League education lies less in classroom instruction and more in the environment they foster. Central to the article is the idea that the substance of education is fungible. However, what is irreplaceable is the intangible environment in which students are educated. Students are surrounded by high-achieving peers, strong networks and a culture that reinforces ambition and opportunity. Over time, these factors help shape long-term outcomes.

Parents, it seems, can have a meaningful influence on their children’s futures by intentionally shaping the environments in which they are raised and educated. This insight extends well beyond higher education. If environment plays a defining role in success, then the environments children grow up in deserve careful attention, particularly in the context of divorce.

Family law often focuses on custody arrangements, parenting time and financial support. These issues are essential. However, children also benefit from consistent access to stable, opportunity-rich environments that support their development over time. Divorce can disrupt those environments through relocation, changes in school districts and shifts in daily structure. These changes are not neutral. They can influence a child’s peer group, expectations and long-term trajectory.

Parents should aim to provide their children with an “Ivy League-like” environment, one defined by strong peer groups, high expectations and access to opportunity, regardless of marital status, wealth or the institution a child ultimately attends. Even when divorce introduces disruption, maintaining a focus on long-term growth and development remains essential.

Support for a child’s future success must extend beyond finances. Tools such as 529 college savings plans are important and should be prioritized, but financial preparation alone is not enough. Preparing a child for future opportunities requires sustained investment in academic development, extracurricular involvement, mentorship and guidance. It reflects years of effort in creating a home environment that fosters discipline, curiosity and resilience.

Decisions surrounding 529 college savings plans can also serve as a model for how parents approach a child’s future more broadly after divorce. When structured with a focus on long-term outcomes, rather than short-term disagreement, they reflect a shared investment in a child’s success. That same approach should carry over into decisions about schooling, environment and developmental support, where consistency and cooperation are often just as important as financial contributions. The choices parents make in these areas are critical and can play a decisive role in shaping whether a child has the opportunity to succeed in the future.

The environment provided at an Ivy League, or any collegiate institution whether private or public, builds upon and refines the foundation that families can and should be establishing at home. In many ways, these institutions serve as a continuation of that early environment, helping prepare students for the transition into adulthood.

For many families, education has long been viewed as a pathway to opportunity and stability across generations. That principle remains true. For parents navigating divorce, the question is not only what will be divided in separation, but what type of environment can be cultivated for their children going forward and how it will shape their development. Decisions about where a child lives, where they attend school and how they are supported over time are decisions that shape their future. Preserving access to strong environments, and the support systems that sustain them, should remain a central priority and can have a lasting impact on a child’s ability to succeed.

This article originally appeared as a column for the <a role="link" href="https://www.clevelandjewishnews.com/how-divorce-should-protect-child-s-education/article_4294fc7b-cc0b-413e-a569-5c45240ce89d.html" target="_blank" rel="noopener noreferrer" data-wpel-link="external">Cleveland Jewish News</a>.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>by Andrew  Zashin</name>
				            </author>
            <title type="html"><![CDATA[Protecting your legacy after divorce]]></title>
            <link rel="alternate" type="text/html" href="https://www.zashinlaw.com/blog/2026/03/protecting-your-legacy-after-divorce/" />
            <id>https://www.zashinlaw.com/?p=50116</id>
            <updated>2026-03-31T12:01:07Z</updated>
            <published>2026-03-31T11:58:08Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[Divorce is often viewed as the end of a chapter, but it is also the beginning of a new financial and personal reality. One important step that many individuals overlook after a divorce is revisiting their estate plan. Updating wills, trusts and beneficiary designations is not only a matter of financial housekeeping. It is an opportunity to ensure that your…]]></summary>
			                <content type="html" xml:base="https://www.zashinlaw.com/blog/2026/03/protecting-your-legacy-after-divorce/"><![CDATA[Divorce is often viewed as the end of a chapter, but it is also the beginning of a new financial and personal reality. One important step that many individuals overlook after a divorce is revisiting their estate plan. Updating wills, trusts and beneficiary designations is not only a matter of financial housekeeping. It is an opportunity to ensure that your legacy reflects your current priorities, relationships and values.

Estate planning is not just for the wealthy. At its core, it involves making intentional decisions about what happens to your assets and how your loved ones, and sometimes the causes you care about, will be supported in the future.

For individuals emerging from divorce, estate planning becomes especially important. Many people discover that their existing estate documents still name a former spouse as a beneficiary, executor or decision maker. Taking the time to review and update estate documents can help avoid confusion and ensure that your wishes are clearly reflected.

It is also important to review beneficiary designations on retirement accounts, life insurance policies and other financial accounts. Updating them after a divorce can help ensure that assets pass according to your current intentions.

In addition to protecting family members, many individuals choose to incorporate charitable giving into their estate plans. This type of charitable planning, often referred to as planned giving, allows individuals to support nonprofit organizations or causes that matter to them while maintaining financial flexibility during their lifetime.

Planned giving can take many forms. One common approach is a charitable bequest in a will or trust. This allows a person to designate a specific amount, percentage or asset to a charitable organization upon their passing. Because the gift occurs in the future, it generally does not affect current financial resources but can still create a meaningful impact.

Another option involves naming a charitable organization as a beneficiary of a retirement account, life insurance policy or investment account. For some individuals, this can be a simple way to incorporate philanthropy into an overall estate plan.

For individuals who have gone through divorce, charitable planning can also represent something more personal. Major life transitions often prompt people to reflect on their priorities and the legacy they want to leave behind. Some individuals decide to support educational institutions, community organizations, religious groups or other causes that have played an important role in their lives.

At the same time, thoughtful estate planning can help protect children and other family members. Parents may wish to ensure that assets are managed responsibly for the benefit of their children and that financial resources are distributed in a way that supports long term stability.

The key is intentionality. An estate plan should reflect your current life circumstances, not the life you lived years ago. Divorce is a significant life transition, and it is often an appropriate time to review financial and legal arrangements.

Because estate planning laws and personal circumstances vary, individuals should consider consulting qualified legal and financial professionals when reviewing or updating their estate plans.

Ultimately, estate planning and planned giving are about more than documents and tax considerations. They reflect personal values and priorities, allowing individuals to shape how their assets will support the people and communities that matter most to them in the future.

This article originally appeared as a column for the <a role="link" href="https://www.clevelandjewishnews.com/protecting-your-legacy-after-divorce/article_849e4b75-69f4-483e-beed-2e2ff2c533cb.html" target="_blank" rel="noopener noreferrer" data-wpel-link="external">Cleveland Jewish News</a>.]]></content>
						        </entry>
	</feed>