FAQs

We know financial questions often come with big life changes. Here are some answers that may help. If you need more clarity, we’re always happy to connect.

About BAS

How long have you been in business?

BAS Capital Management has been in business since 2020, however, Barbara Shegog has been working in investment management and financial planning for more than 30 years.

What is a CDFA?

A Certified Divorce Financial Analyst® (CDFA) can explain all financial aspects of pending divorce decisions and help empower their clients to make educated decisions throughout the process. We become part of the divorce team. We determine what financial information needs to be collected. Once obtained, we are skilled at analyzing the information, providing expertise on financial issues, and assessing future implications of any choices made.

The role of the CDFA® is to help both the client and, when necessary, the lawyers understand how the financial decisions made today will impact the client’s financial future based on certain assumptions.

What is Divorce Resolutions of New England?

Divorce Resolutions of New England was created as a dedicated division of BAS Capital Management to provide specialized financial guidance during divorce. By separating this work under its own name, we underscore our commitment to helping clients navigate divorce with clarity, confidence, and a path forward. Divorce Resolutions of New England is a DBA of BAS Capital Management, LLC.

Are you a fee-only financial advisor?

Yes, we’re a fee-only advisor. That means we’re compensated solely by our clients—no commissions or product sales—so our advice is always in your best interest.

Services

Why should I work with you?

Barbara is a Certified Divorce Financial Analyst® (CDFA®), CPA, and CFA, who provides expert financial guidance to help clients make informed decisions during life’s transitions. She offers:

Comprehensive Financial Analysis: Understanding the short- and long-term impact of settlement options.
Objective Advice: A neutral, data-driven approach to help you achieve financial clarity.
Compassionate Support: Divorce is more than just numbers; Barbara helps clients feel confident and empowered in their financial future.

What are your fees?

Fees are structured based on the complexity of your case and the level of support you need. We offer:

Hourly consultations for targeted financial guidance.
Flat-fee packages for comprehensive financial planning.
Ongoing support: Hourly or retainer services based on needs. During our initial consultation, we’ll review the services that best fit your situation and provide transparent pricing.

Do you offer investment management?

Yes, as a CFA and CPA, Barbara offers investment management consulting services to help clients build a strong financial foundation. Whether you need help creating a new investment strategy, managing assets received in the settlement, or planning for long-term financial security, we provide tailored solutions. For clients who need to delegate investment authority, we act as a consultant—helping you evaluate options and choose an asset manager that’s a good fit for your goals and values.

How do you make referrals to other professionals?

With more than 30 years in the investment business, Barbara has developed an extensive list of trusted professionals that she recommends to clients. The only compensation we receive from referring clients is knowing that they are in good hands!

Who We Serve

Do I have to live in New Hampshire to work with you?

No, we serve divorce clients throughout New England and offer financial planning for clients throughout the United States.

What types of clients do you work with?

We work with clients of all ages and experiences. The only common denominator is they are all transitioning through a life event.

Do you work with individuals or couples?

We work with both individuals and couples.

What if I need basic advice? Do you offer advising sessions or hourly support?

Yes! We offer flexible pricing and support to meet our client’s needs.

Getting Started

How long will this process take?

The process moves as fast as we receive documents and is needed. A typical financial planning engagement is 3-6 months.

How do I pay my fee?

We accept credit cards, Venmo, and check.

Is there a cancellation policy?

Yes, any unused portion of the retainer fee is returned to you.

Can we talk to see if this is a good fit for me?

Absolutely! We offer a complimentary consultation so we can talk through your situation and see if working together is a good fit. No pressure, just a conversation to learn more about what you need.

Divorce Questions

How do you make referrals to other professionals?

Divorce often requires a team of professionals. If you need a mediator, attorney, therapist, estate planner, or tax professional, we can provide referrals to trusted professionals who align with your needs. Our network includes specialists experienced in handling complex financial matters during divorce.

Do you work with mediators and attorneys?

Absolutely. We collaborate with mediators, attorneys, and other professionals to ensure your financial interests are well-represented. Whether you’re in mediation, a collaborative divorce, or litigation, we provide financial expertise to support a fair and informed settlement.

What’s the difference between a CDFA® and a divorce attorney?

A Certified Divorce Financial Analyst® (CDFA®) focuses on the financial aspects of divorce, while an attorney handles legal proceedings. A CDFA® helps analyze settlement options, long-term financial impact, tax implications, and division of assets to ensure financial stability post-divorce. Many clients benefit from working with both a CDFA® and an attorney to ensure both their financial and legal interests are protected.

How can you help me understand my financial options in divorce?

We provide detailed financial projections to show how different settlement options will impact your future. This includes:

Cash flow analysis: Can you maintain your current lifestyle?
Asset division strategies: What’s the best way to split retirement accounts, investments, and real estate?
Tax implications: Understanding tax consequences before finalizing agreements.
Long-term financial planning: Ensuring you have a clear roadmap for financial independence post-divorce.

How do you maintain the confidentiality, integrity, and security of my personal information?

We take the protection of your personal information very seriously. Our team follows strict protocols to ensure your data is kept confidential, accurate, and secure. This includes using industry-standard security measures, limiting access to authorized personnel only, and continuously monitoring our systems for protection.

For full details, please review our Privacy Statement.

Will I be okay financially after my divorce?

That’s exactly what we work together to determine. Our goal is to help you create a financial plan that provides stability and confidence. We assess your income, expenses, assets, and liabilities to ensure your settlement supports your future financial goals.

How do I prepare for a financial consultation with you?

We provide a detailed questionnaire, which is the best place to start. This helps us gather key financial details upfront so we can make the most of our time together. The additional information below is great to have, but completely optional—whatever you can provide will help us tailor our conversation to your needs.

Complete our questionnaire
Gather your financial documents
Be ready to discuss your goals
Prepare questions

Can you help me negotiate a fair settlement?

Yes. We work with you—and, when needed, your attorney or mediator—to analyze financial settlement options and ensure you understand the short- and long-term consequences. We provide financial reports and projections that support your case, helping you make informed decisions and negotiate effectively.

Can you help with state regulatory filings for divorce?

Yes. Each state has different financial affidavit requirements. We can help you prepare those financial affidavits as well as marital asset division and budget reports.

Do you help business owners in divorce?

Yes. Divorce involving a business or professional practice adds complexity. We help business owners understand:

Business valuation: What is your business worth, and how will it be divided?
Cash flow & income analysis: Ensuring accurate income representation.
Tax implications: How different settlement structures impact business owners.
Asset protection strategies: Ensuring a fair settlement while maintaining business operations.

What happens after the divorce—do you help with financial planning?

Absolutely. Divorce is just the beginning of a new financial chapter. We provide post-divorce financial planning to help you:

Rebuild financial security
Manage investments and retirement planning
Create a new budget and cash flow plan
Plan for tax-efficient asset management
Set long-term financial goals for homeownership, education, and more.

Lifestyle & Transitions Planning

What is lifestyle and transitions planning?

Lifestyle and transitions planning helps individuals and families navigate significant life changes, such as retirement, widowhood, or career changes, by creating a personalized financial plan that supports their new goals and circumstances. It focuses on helping you achieve balance and security in every aspect of your financial life, from budgeting and saving to managing investments and planning for the future.

How can you help me with retirement planning?

Retirement is a big transition that requires careful planning. At BAS Capital Management, we can help you:

Assess retirement readiness by evaluating your savings, investments, and expected income streams.
Create a sustainable withdrawal strategy to ensure your money lasts throughout retirement.
Maximize Social Security benefits and other retirement-related opportunities.
Adjust your lifestyle goals to match your retirement vision and financial reality.

How can you help?

Whether you’re navigating widowhood, divorce, or another major change, we can help you:

Understand the financial implications of your new situation.
Create a plan for stability that allows you to confidently move forward.
Address emotional and psychological aspects of the transition, ensuring your financial decisions align with your overall life goals.
Set a roadmap for achieving long-term financial independence, peace of mind, and security.

How do you help with budgeting during life changes?

We assist you in creating a budget that aligns with your new life circumstances. Whether you’re dealing with a reduced income or new financial priorities, we’ll help you:

Track your expenses and identify areas to save.
Allocate funds for new needs or goals.
Plan for short- and long-term financial security, such as emergency savings, retirement, and healthcare.

Do you offer estate planning or help with planning for long-term care?

While we don’t provide legal services, we can help you coordinate with trusted professionals to create a comprehensive estate plan that includes:

Wills, trusts, and power of attorney.
Long-term care planning and strategies for healthcare expenses.
Coordination with your attorney, tax advisor, and other professionals to ensure your plan is aligned with your financial goals.

What should I do if I want to make a career change or pursue new goals?

We help individuals who want to pivot their career or pursue new opportunities by:

Assessing your current financial situation and how it supports your goals.
Creating a financial plan that accommodates changes in income or work-life balance.
Identifying ways to transition smoothly, whether it’s pursuing entrepreneurship or shifting to part-time work.

How do you help with managing debt during life transitions?

If you’re experiencing a life change that involves managing debt—whether through divorce, career changes, or other life events—we help you:

Analyze your current debt structure and explore repayment options.
Create a strategy to reduce and eliminate debt while maintaining cash flow for your needs.
Ensure that your debt management plan aligns with your long-term financial goals.

Can you help with lifestyle changes like downsizing or relocating?

Yes, we help clients navigate major lifestyle changes such as downsizing homes or relocating by:

Analyzing the financial impact of the decision, such as savings or costs related to the move.
Helping you determine how to maximize the value of your home and ensure it supports your financial goals.
Budgeting for relocation expenses and understanding how this change impacts your long-term plans.

What happens if I don’t have a lot of assets—can you still help me?

Absolutely. It’s not about how much you have, but how you manage it. We specialize in helping individuals at various stages of life, regardless of their asset level, by:

Focusing on building a sustainable financial plan with what you do have.
Helping you prioritize your goals, whether it’s saving for the future, covering current needs, or managing debt.
Developing a strategy that creates financial stability and growth, even with modest resources.

How do you ensure my financial plan aligns with my values and lifestyle goals?

We take the time to understand your values, aspirations, and priorities to ensure your financial plan supports what matters most to you. Whether you want to focus on family, career, travel, or charitable giving, we’ll work with you to create a plan that is as unique as you are and that helps you live the life you envision.

Take the First Step

Ready to Start the Conversation?

We offer a complimentary one-hour consultation to focus on your specific goals. If we agree it’s a good fit, you’ll receive a clear proposal outlining the project scope and fees. There’s no obligation, and in just one hour, we’ll start bringing clarity and organization to your financial life.