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| Fed Rules Limits Credit Cards For Stay At Home Parents |
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To qualify for a credit card, new regulations require proof of self sustaining income.
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| February 2011 - Bottom Line Personal |
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DIVORCED? YOU COULD BE ENTITLED TO MUCH MORE SOCIAL SECURITY
Barbara Shapiro explains the special rules and options of the Social Security system for divorced people.
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| 2011 Five Star Wealth Manager |
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| Barbara Shapiro is named one of the 2011 Five Star Wealth Managers by an independent survey measuring overall client satisfaction, published by Boston Magazine. |
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| 2010 Five Star Wealth Manager |
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| Barbara Shapiro is named one of the 2010 Five Star Wealth Managers by an independent survey measuring overall client satisfaction, published by Boston Magazine. |
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| Money Coaching Certification |
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Barbara Shapiro, CFP®, CDFA™, and Vice President of HMS Financial is now a Certified Money Coach (CMC) through the Money Coaching Institute which is lead by money coaching expert Deborah Price.
Money coaching provides a very useful complement to financial planning,"says Barbara. "It helps me better understand an individual or group's money mindset when approaching financial planning and investments. It's very useful for clients to understand their own behaviors vis-à-vis saving and spending.
Money coaching examines the psychology of money; incorporating a person or group's history, culture, psychology and individual attitudes that form the habits we have formed around money and finances.
Barbara Shapiro offers money coaching to individuals, groups and organizations in and around Boston through her Financial Planning firm, HMS Financial, in Dedham Massachusetts. Call to schedule your consultation: 781-251-2655 |
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| March 2009 – Women's Business Boston |
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Barbara Shapiro Named Top 10 Financial Advisor
Women's Business Boston presents the region's leading financial advisors. Barbara was named one of the dynamic women readers turn to for top-notch advice in meeting their financial goals (Reader's Choice Award).
"To my mind, Barbara is the best kind of financial advisor. She advises and recommends but she doesn't force or impose. Conversations are always open and un-biased with her only motivation being to help me meet my goals. With Barbara at the helm, I know that I don't need to sweat the small stuff or, given the state of the economy lately, even the not-so-small stuff."
Hillary Kolman, Senior Research Analyst, Yahoo! |
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| HMS exhibits at the The Massachusetts Conference for Women |
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The Massachusetts Conference for Women, hosted in conjunction with the Massachusetts Commission on the Status of Women, is a non-profit, non-partisan, event where Massachusetts women can connect, learn practical and professional strategies from nationally recognized experts, and network with peers. The annual conference has grown to attract more than 5,000 attendees and truly impacts lives. |
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| October 2009 - The New York Times |
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Your Money
Financial Decisions to Make as You Divorce
By RON LIEBER
Divorce may be one of the most damaging financial events in the lives of those who go through it, but that isn’t always immediately clear to a couple about to split up.
So this week, I assembled that list, with help from readers and members of the Institute for Divorce Financial Analysts. The institute certifies financial planners and other professionals who specialize in helping people whose marriages have ended.
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MENTAL HEALTH Barbara Shapiro, a financial planner and divorce specialist with the HMS Financial Group in Dedham, Mass., refers to the dissolution of marriage as death without a body. The mourning and trauma that results for you (and your children, if you have any) may make therapy necessary.
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| October 2008 – DivorceMyWay.com |
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Rebuilding Your Financial Life After Divorce
After a Divorce, Follow These Steps to Help Improve the Long-Term Money Situation
By KAY BELL
Divorce affects the finances of both parties as they split. Sometimes one partner faces a much lower standard of living — and dramatic lifestyle changes because of that. With the housing market down, interest rates falling and the costs for goods and services is increasing, there’s an even bigger effect on couples, said Barbara Shapiro, vice president of HMS Financial Group in Massachusetts and regional director of the Institute for Divorce Financial Analysts.
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| July 2008 – ConsumerReports.org |
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Expecting the unexpected
Keep your finances on track by anticipating bumps in the road. Long-term planning, we’re often told, is the means to achieving our financial goals. But even the most assiduous planner can be waylaid by certain calamities. No, you can’t anticipate the unexpected. But good preparation, once again, can help you get back on course sooner after confronting one of life’s roadblocks.
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| August 2008 - Divorce and Family Law in Tarrant County, Texas |
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Managing Your Finances after Divorce
By DICK PRICE
"Another important financial tip is to stay informed about your credit rating. 'Do a credit check both during and after your divorce to make sure there are no surprises,' says Barbara Shapiro, co-owner of HMS Financial and a Certified Divorce Financial Analyst. 'Also, be sure to change your beneficiaries, update your will and always keep your divorce decree close at hand as you will refer to it regularly over time (especially if you have kids).'
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| AUGUST 2008 - What Happens Now |
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What Happens Now – Divorce
Try to figure out what you want to accomplish,” says Barbara Shapiro, Certified Divorce Financial Analyst. “Where do you see yourself in five years? In 10 years? And we’ll see how your assets fit in with where you want to be.”
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| JULY 2008 - the Boston Globe |
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Two Exes, One Roof
By LISA PREVOST
What happens when a divorcing couple meet a slow housing market? Usually, it’s not pretty.
Clicking "read more" will open the full article as a .pdf
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| May 2008 - Main Street |
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The Best Gift Card For Grads: A Financial Planner's Business Card
By LYNEKA LITTLE
“Look for someone that is going to educate [your child], says Barbara Shapiro, a Vice President of HMS Financial Group. You need “someone who is willing to sit down and teach a child how money works.”
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| May 2008 - Parent Society |
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Mompreneurial Pursuits: Mom CEOs: Mom-Owned Home Businesses Are Empowering
By VICKY SALEMI
According to Barbara Shapiro, CFP, CDFA and vice-president of HMS Financial, a financial group based in Dedham, Mass., bringing money into the household is empowering. “Owning your own business is creatively very satisfying. The sense of accomplishment in creating something, struggling to get it on its feet, and watching it flourish can only enhance one’s self esteem.”
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| March 2008 - Pittsburgh Post-Gazette |
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Silent partners: Keeping financial secrets from your spouse can be destructive
By TIM GRANT
As a certified divorce financial analyst, Barbara Shapiro knows first hand how common financial secrets can be in failed relationships. Still, she cautions, not all financial secrets are terrible.
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| divorce360.com |
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Poll: Split Tougher with No Cash
By MICHELE KIMBALL
Without that professional guidance, couples with less money are more likely to try to navigate the divorce process alone, which is a daunting task, said Barbara Shapiro, vice president of HMS Financial Group, and regional director of the Institute for Divorce Financial Analysts.
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| divorce360.com |
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Legal, Financial Issues in Divorce Cause Most Confusion, National Poll Shows
By MICHELE KIMBALL
The more complicated the divorce – whether it involves serious financial issues or negotiating custody – the larger the divorce team usually becomes. Barbara Shapiro, who is a certified divorce financial analyst for the HMS Financial Group, said she is usually the second stop for most of her clients during the divorce process. A certified divorce financial analyst is a financial planner who has had additional training in handling divorce.
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| August 2007 - Worth Magazine |
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Divorce Safeguarding your Assets. Couples can manage successful dissolutions only if they prioritize planning and collaboration over raw emotion...
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| July 2007 - Boston Magazine |
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Voted by Goldline Research The Most Dependable Wealth Managers of Boston...
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| January 2008 - MSN Money |
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Finances: Tips to Protect You and Your Assets after the Divorce is Final
By MANDY VEMULAPALLI
KEEP TRACK OF YOUR CREDIT RATING.
Another important financial tip is to stay informed about your credit rating. “Do a credit check both during and after your divorce to make sure there are no surprises,” says Barbara Shapiro, co-owner of HMS Financial and a Certified Divorce Financial Analyst. “Also, be sure to change your beneficiaries, update your will and always keep your divorce decree close at hand as you will refer to it regularly over time (especially if you have kids).”
EDUCATE YOURSELF ABOUT MONEY.
Remember that managing your finances is an ongoing process. Another useful tip from Barbara Shapiro is to “empower yourself by reading, taking classes and talking to your financial advisor, especially if you weren’t the one managing your finances before the divorce.” |
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HMS Financial Group
333 Elm Street
Dedham, MA 02026
781-251-2655
800-335-2442 |
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E-Mail Us |
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2010 HMS Financial Group • Investment Securities offered
through Cadaret Grant, member FINRA, SIPC
Registered to conduct securities business in: MA, RI, NH, VT, CT, ME, NY, FL • Barbara Shapiro CFP CDFA
Barbara Shapiro is a Member of Massachusetts Bar Association
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