Our Blog

Am I Entitled to my Husband's Retirement Account?

When choosing a beneficiary for a retirement plan, it is important to understand how your spouse will be treated under the plan.

Surviving spouses are treated differently under 401(k)’s and individual retirement accounts (IRAs). While a 401(k) provides protection for a surviving spouse, and IRA does not.

Most people name their spouses to inherit the funds in their retirement plan accounts, but even a spouse who wasn’t named as the beneficiary of a retirement account may have the legal right to claim the money.

In a traditional IRA or Roth IRA account, the surviving spouse or registered domestic partner is not automatically entitled to inherit the money – especially if the account owner designated someone else as beneficiary. However, there are certain limitations.

Since California is a community property state, the money in a retirement account may be owned equally by the couple. An IRA is an individual account, but if the contributions came from community property, such as one spouse’s paycheck, all the money in the account is considered community property – unless the couple agreed otherwise.

If it has been determined that the account is community property, then the surviving spouse is entitled to claim his or her half of it.

A 401(k) plan is set up for employees and they meet certain IRS rules in order to qualify for federal tax benefits. With this type of plan, the surviving spouse has the right to inherit all money in the account – unless the survivor signed a waiver giving up his or her rights and allowed the spouse to name a different beneficiary.

The survivor must have signed the waiver while the couple was married. However, if the couple signed a prenuptial agreement before they married, and one or both of them gave up their rights to the other’s qualified retirement plan account, it won’t serve as a valid waiver.

If you have any questions regarding estate planning, the division of retirement plans, what benefits you might be entitled to or how these orders get drafted, contact the family law offices of Holstrom, Sissung,& Block. We have offices located in Riverside, San Bernardino and Orange Counties for your convenience.

Divorce Rate Rising or Falling?

For many years the US Census and other data suggested that the national divorce rate peaked in the 1970s and has been declining ever since. This may not be true.

Sheela Kennedy and Steven Ruggles from the Minnesota Population Center at the University of Minnesota recently reported numbers that challenges this assumption. They believe, on the contrary, that the divorce rate has been rising over the past 30 years.

Their first argument against the data collected by the Census, and other such sources, is that the quality of the data is poor. They state that even the better data sources have flaws in the methods used to collect information and it’s distorted the divorce rate stats.

The Census also suggested that the divorce rate increased for people in their mid-20s and steadily declined with age. However, recent data suggests that the divorce rate has not been declining as steadily for those over the age of 35. In fact, Kennedy and Ruggles believe that people older than 60 are divorcing at a higher rate than ever.

What’s the real takeaway? Well, for those of us helping couples in Corona and Riverside, it’s that “divorce rates” can’t be the measure of marital stability. We try not to look at divorce as bad, but rather as a chance for positive change. While every long-term relationship ending is a difficult situation, the fact that our clients have the ability to end marriages that aren’t full of love or joy is a good thing. And we’re lucky to be able to help those couples go through the process as easily as possible.

About Dayn Holstrom

Dayn Holstrom is a hard working, compassionate problem solver who welcomes the opportunity to serve you in any way he can. His maximum availability to your questions and concerns begins with your free initial consultation. He is well-seasoned in all matters related to family law and a skilled negotiator and litigator.

Is my Child Support Affected if my Ex Remarries?

Child support payments are legally enforceable through court orders.

The parent who does not have custody is usually ordered to help pay for the expenses of raising his or her child, such as food, clothing, housing, and medical care. What happens if the mother of the child remarries and her new husband wants to adopt her child?

A child is the responsibility of the birth parents, not a new spouse for either one of the parents. A new stepfather is not responsible for children that are not his biological children.

Remarriage does not affect a father’s responsibility to continue to pay his fair share of the child’s necessary support.

However, the only way the biological father can get out of paying child support is if he signs over his rights as a parent. The mother has to agree to this as well. If the biological father is willing to terminate his rights, you may seek a termination of parental rights and stepparent adoption.

If the termination occurs, any child support obligation ceases. If there is no agreement, you must proceed with a contested termination of parental rights, which can be much more difficult. There is hope though – abandonment financial and physical may be a basis for such an action.

Then, if the stepfather adopts the child legally, financial responsibility of the child becomes his and the order for child support should be closed at that time for the biological father.

It’s not at all unusual for the non-custodial parent who has little or no relationship with his child to consent to the adoption of that child by a stepparent. Not always, but often, the adoption comes after the non-custodial parent has repeatedly failed to pay court-ordered child support.

In the event of a divorce between the mother and her new husband, the father who adopted the child would still have to pay support.

If you have remarried and your new husband wants to adopt your child, it would be wise to consult an experienced family law attorney to discuss your legal rights and options. Every case is different. Contact the family law offices of Holstrom, Sissung, Marks & Anderson for the help you need. Let us guide you through these complex issues so you can focus on moving forward with your life.

To learn more visit us online, send us a message, or call us we are Southern California’s Top Family Law Attorneys Holstrom, Sissung, Marks & Anderson APLC.

Managing Your Child's Technology

It’s a popular opinion that being a parent is the hardest job in the world. So what does that say about co-parenting…? Most people with children who have divorced or separated can attest the challenge that it truly is. It can take the complications to a whole new level. So we’re trying to make co-parenting a little less struggling for our readers here in San Bernardino County with a few tips. This article is brought to you by information shared from child psychologist Dr. Kate Roberts regarding how to manage a child’s use of technology as a divorced parent.

Joint custody is becoming more popular and often there is no “one parent” with primary custody. However, since parents often disagree this can clearly be a challenge. And now we add technology to the equation. In a semi-real way, when parents have different rules about technology use, kids can be switching from feeding their technology addiction to going through withdrawals when they switch households.

If you have different tech rules for your child than your ex does, here are a few tips:

  1. Accept the fact that you can’t control what happens at your ex’s house. It’s not your house and you don’t make the rules there, so stop trying.
  2. Focus on staying consistent under your own roof. If you stick to a policy, your kids will start to understand that that’s the way it is when they’re in your home.
  3. Expect your kids to pushback and struggle with your rules if they are stricter than your ex’s limits for the kids. They’ll want to get you to bend on your standards, but if you stay firm they’ll eventually accept it as fact.
  4. Don’t try to justify yourself, explain why your rules are right and why your ex’s are wrong. It’s not an argument worth having or one you’re guaranteed to win, so simply state that your rules are different than their mom/dad’s and leave it at that.

Can I Afford This Divorce?

My marriage is over, but these days, who can afford to move out?

Today, with the economy being the way it is, it turns out that in lieu of divorce, many couples simply choose to live together anyway.

The reason is that they believe they cannot afford to divorce and they choose to live together for financial reasons. After all, who today, can afford to keep up two residences? So, what can you do?

Not only is breaking up hard to do, but it’s expensive. A survey taken a few years ago by the American Academy of Matrimonial Lawyers “found that in rotten economic times, divorce rates take a dive.”

In addition, with nearly one in five homes worth less than what’s owed on it, couples are forced to remain living together under the same roof since moving out is becoming a financial impossibility for many. How does one cope with this type of situation?

If abuse isn’t an issue, with a little amount of planning, a couple can live together, but separately, under one roof. First, ground rules must be set. Perhaps a neutral third party can help with that. As yourself the following questions:

  • Will you keep family dinners or eat separately?
  • Who will do the chores, cooking, cleaning?
  • Who will attend to the children? Take them to school, pick them up?
  • What are the actual living arrangements?

Once those questions are answered and handled, discuss your daily expenses. Do you want to keep your joint bank accounts or open separate ones? You must decide on how you will pay monthly household bills including the mortgage. Discuss other monthly expenses – expenses to keep the house running and your children fed, clothed and taken care of.

Credit is another story. Shred those joint cards and get new ones in your name only. If there is a balance involved, and you cannot afford to pay it off, ask the bank to freeze the account so neither party can charge anymore.

Now, if you just can’t live with your soon-to-be ex-spouse and want to divorce, live without him or her, but don’t think you can afford it, there are things you can do to minimize the effect of divorce:

  • Attempt to fill out the divorce forms on your own
  • Find someone who can put a value to your assets
  • Ask a realtor for an estimate on what your home is valued at
  • You can probably find an online child support calculator – determine what the support will be that you receive or have to pay
  • Look for alternative dispute resolution techniques

You have options. Try to resolve as many family issues as possible with your spouse. This will reduce your attorney’s billable hours and your overall expenses. This may seem a challenge, but it can be done with a little work and a little planning.

If you still have unanswered questions regarding a divorce, contact the family law offices of Holstrom, Block & Parke for the answers and the options you have before you. We are conveniently located in Riverside, San Bernardino and Orange Counties.

Call us and speak to an attorney the consultation is free and confidential, or visit us online and submit our contact form.

Tax Confusion

When Americans think about taxes, confusion and frustration are usually two common emotions associated with the word. Where are my taxes going, and who are all the individuals that are benefiting from my hard earned money? But what if I told you that military retirement funds are now paying for the benefits of veterans and divorce?

According to an article entitled “Military Retirement Pay Veterans Benefits and Divorce Make for Tax Confusion,” a man by the name of Elmer Nuss, was divorced in the year of 1998. However, the court ordered that one half of his military retirement funds be paid to his ex-wife. According to federal law, a state court judge can order a split in military retirement funds be paid to the ex-spouse, as long as it is consistent with state Family Law principles. On the other hand, if a spouse is receiving disability benefits, it cannot be distributed to a former spouse. However, disability funds can be taken and use for spousal or child support debts.

The law can allow for a veteran to receive VA benefits, but that in turn reduces the amount of retirement pay the individual is currently receiving. This can cause issues for a spouse that is in need of a military divorce. One way to prevent this from occurring is fully educating yourself and entering into a property agreement that fully addresses what occurs when a veteran’s retirement benefits are reduced.

The way military retirement is divided to pay veteran’s benefits varies from case to case. Specifically regarding Elmer Nuss’ case, he did have to pay to his ex-spouse, but this is not true for every case.

If you are concerned about what will happen to your retirement fund after you divorce, or want more information about which retirement plans require what course of action, talk to an experienced Family Law attorney. Schedule an appointment with a law firm knowledgeable in divorce, money and property. Get a clear understanding of the law that may affect you if you are thinking about getting divorce.

What to Do If My Father Dies Without a Will?

All too often people put off thinking about or starting to draft a will or a trust with an attorney because they cannot bear thinking about their own mortality.

Writing a will can be one of the greatest gifts you give to your family and/or friends. By doing so, you choose who gets your assets and you can direct the ownership of those assets to the place where it will do the most good. A well-prepared will also help to alleviate stress and family strife.

What happens if you have assets that you want specific people to inherit when you die, but you die without first writing a valid will?

The decision of who inherits your property can either be made by you, or can be decided by the State of California.

In California your property will be distributed according to California’s intestacy laws. If you die leaving a husband or wife, a certain portion of your property will go to them since most probably it is community property and your spouse is entitled to at least half if not all of the community property upon your death.

In addition, your spouse is also entitled to an additional share of your separate property depending on:

  • If you die without any living siblings or parents – receive all of your separate property
  • If you die with at least one sibling and/or parent – receive half of your separate property
  • If you die with more than one living child – receive one-third of your separate property

What about your children? The property that your children receive will depend on how much your spouse received. California law says that your children will receive everything that was not received by your spouse. However, if you die without a spouse, your children receive everything.

Dividing your assets and property after your death can be a complex process, but it doesn’t have to be. Planning for your family ahead of time can avoid these complicated rules and stressful times. You deserve the peace of mind and comfort that an enforceable estate plan can bring.

If you need legal assistance creating a valid will, we invite you to contact the family law offices of Holstrom, Block & Parke to discuss your legal options. The consultation is free, and confidential, speak to one of our attorneys today.

Located in San Bernardino, Riverside and Orange Counties, our law firm focuses on matters relating to estate planning and probate administration.

About Dayn Holstrom

Dayn Holstrom is a hard working, compassionate problem solver who welcomes the opportunity to serve you in any way he can. His maximum availability to your questions and concerns begins with your free initial consultation. He is well-seasoned in all matters related to family law and a skilled negotiator and litigator.

Bright Side of Divorce

We have helped many couples in Riverside County through a divorce and some are better than others. Everyone agrees that it isn’t a fun process, but it also doesn’t need to be looked at as “bad.” Here are 6 of the best things about divorce, according to a recent post by DivorcedMom’s Lizzy Smith:

  1. It’s done. Churchill said “If you’re going through hell, keep going.” Whatever you’re struggling with in your marriage, you won’t need to deal with that (hopefully) once the divorce is finalized.
  2. The whole bed! Stretch out, lay sideways, don’t listen to snoring… not sharing a bed throughout the night can be wonderful!
  3. Purging the ugly. You know all that awful stuff your ex kept around that always annoyed yet—throw it all out! Or make him/her take it. Your space is now your own to do whatever you want with!
  4. No more fighting. As great as relationships can be, everyone fights and everyone has low moments. While the peaks and valleys are worth it… no more valleys! That’s something to celebrate.
  5. Being honest. Most people have an extremely hard time being honest about their struggles and the emotional turmoil that may be going on in their life during a rocky marriage. Once the divorce is over, many people find it much easier to be open and honest with their friends/family about what they went through. That’s when the emotional healing can start to take place.
  6. Finding passion again. Remember that excitement you once felt for your ex and how you got butterflies and felt real love and longing? You have the chance to find that again with someone else, and make it work/last this time. It’s a terrific opportunity to rejoice about.

Planning for College as a Divorced Parent

Everyone is aware of how expensive colleges/universities are in Southern California, and even in Riverside/Corona, and there are many general self-help guides for parents to help plan. What about divorced parents? A recent article by Geoff Williams in Reuters discusses a few tips for divorced parents trying to plan for their child’s education. We share his tips below.

Childcare financial planning for divorced parents is a piece of cake compared to figuring out who will pay what in college. Here are a few tips for divorced or separated parents with kids that off to college:

  1. Negotiate college during the divorce. No one forgets custody schedules, spousal support, etc. when going through a divorce. But paying for college seems to be one thing many couples forget—and it’s not a small oversight. Some universities are $200,000+ for four years. That’s not the type of money you want to fight over a few years after your divorce has calmed down. Our attorneys will remind clients to discuss paying for college, but if yours don’t (like many), be sure to bring it up.
  2. Secure a college fund. If you’ve been saving for your child’s education, you need to ensure that those funds are only used for the education—and a divorce can make anything messy. Worst-case scenario (and it has happened)… your husband/wife could actually use that money to help pay for the attorney helping him/her divorce you. So be very careful and make sure the college funds are in accounts specified and out of reach.
  3. Discuss aid forms. The FAFSA will only need to know the income/information of the parent that child spends more time with, and that person’s current spouse if applicable. If a child splits time equally, he/she should fill out the form with the parent with the lower income. This will help your child earn more federal grant/loan money!

Splitting college funds is tough and it rarely works out perfectly even. Aim for “good,” not perfect. It usually isn’t worth fighting over if it’s reasonably fair.

About Dayn Holstrom

Dayn Holstrom is a hard working, compassionate problem solver who welcomes the opportunity to serve you in any way he can. His maximum availability to your questions and concerns begins with your free initial consultation. He is well-seasoned in all matters related to family law and a skilled negotiator and litigator.

Law Removes Same-Sex vs. Opposite-Sex Marriage Distinction

Good news for same-sex couples!

The Federal government will soon afford married same-sex couples the same legal rights as heterosexual couples when it comes to the following legal procedures and protection: bankruptcy, testifying in court, and visiting family in prison.

According to excerpts from a speech Attorney General Eric Holder gave, policies will be issued eliminating the distinction between same-sex and opposite-sex married couples in the Federal criminal justice system. The Department of Justice will make every effort to ensure that same-sex marriages receive the same privileges, protections, and rights as opposite-sex marriages.

The changes began last year when the Supreme Court declared it unconstitutional to refuse Federal benefits to married same-sex couples. Since the Supreme Court’s ruling last summer, the Obama administration has rewritten Federal rules to allow same-sex couples to file taxes together and receive Medicare and other benefits reserved for married couples.

The Federal government estimates that more than 1,100 regulations, rights, and laws touch on, or are affected by, marital status.

Some of the benefits include:

  • Same-sex spouses of individuals involved in civil and criminal cases should have the same legal rights as all other married couples, including the right to decline to give testimony that might violate the marital privilege.
  • The U. S. Trustee Program will take the position that same-sex married couples should be eligible to file for bankruptcy jointly and that domestic support obligations should include debts such as spousal support owed to a former same-sex spouse.
  • Federal prisoners in same-sex marriages will be entitled to visitation by a spouse, inmate furloughs during a crisis involving a spouse, escorted trips to attend a spouse’s funeral, correspondence with a spouse and compassionate release or reduction in sentence based on an inmate’s spouse being incapacitated.

If you are unsure about this latest development relative to same-sex marriage, and you have questions, contact the Family Law offices of Holstrom, Block & Parke with offices located in San Bernardino, Riverside, and Orange Counties for your convenience.

Professional Legal Help

Our attorneys are waiting to help you

Our Locations

*We do not receive postal correspondence at this address. Please send any desired material to our Corona office for review and distribution.

Name(Required)

The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.