Human Capital and Divorce: Understanding the Risks

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Why do we need personal capital? Because the ability to work or generate human capital is finite. At some point in the future, you will either want to stop working (retire), or be unable to work due to age, health, job elimination or other reasons. Unless you have built up enough personal capital to make up for the lost human capital, your lifestyle is reduced. The concept of saving for retirement is to eventually build up enough personal capital so that human capital is replaced and no longer needed.

James R. Allen

CFP®, ChFC, RICP, CDFA®

James R. Allen is the principal for Santiago Oaks Divorce Advisory Services LLC—a financial divorce advisory firm located in Tustin, CA where he acts as a financial neutral or advocate for his clients. He is also Director of Financial Planning for Anchor Bay Capital, an independent investment advisory firm located in Carlsbad CA. In addition to obtaining multiple professional designations, James holds a master’s degree in financial planning and is a registered tax preparer with the state of CA.