Early Intervention and Financial Advisors

The right solution is often a simple one.

If you believe that solving financial problems – or avoiding them – has to be a complicated and mysterious endeavor you could miss the best answer, which may mean the right advisor for your situation and life or business goals.

I believe that finding the right financial advisor early in life, early in a marriage, before starting a business, and early in the process of resolving conflict between family members is priceless.

Any time you are emotionally charged, under pressure to make big decisions, facing uncertainty or a major disappointment, you are served well to already have trust established with a solid, loyal and talented financial advisor.

Do I have recommendations? Of course I do!

My perspective comes, in part, from the study of hundreds of cases or situations presented to me through this website, and from experience in financial services where I worked directly with advisors and money managers across the United States.  Wisdom also comes from learning firsthand that not all financial advisors will give you all of the information or insight you need to make smart decisions.

During research of actual cases, I’ve noted how some financial experts make analyzing and planning more convoluted and expensive than the situation calls for, but emotionally charged parties aren’t in a position to recognize that value is lacking, or that key information is even being withheld. By the time someone realizes that they weren’t served well by the expert they were guided to use, it’s too late; the damage is done. Yes, I can show you what that looks like on paper and how it translates into bigger trouble in life. While I can help illustrate problems you want to avoid, the financial professionals I know and trust are the best at showing you what your best options are and then empowering you to act on them.

Early intervention is the way to go.

Make time before a crisis arises to interview and get to know advisors, and learn what value-added looks and feels like when working with a financial advisor. If you feel uncertain about a professional relationship and need to consult with someone else, let me know.

Coming soon: the next series of eye-opening interviews is under development, so please get in touch if you have suggestions for topics or would like to contribute as an expert or to simply tell a story that can help others reach better financial outcomes.

Above all, preserve your time and financial resources for the benefit of your family.

Our Wish is for Children to Be Cared for by Safe, Loving Parents

These simple wishes this holiday season remain our top priority:

family, charity, healthcare, health. christmas, x-mas and happy

Return children who have been removed from parents they love and need. Prevent children from being sent out of state and isolated for the purpose of silencing them.

Restore relationships between children and parents when they are separated for all the wrong reasons, and even cut off from all communication.

Protect children who are being abused, including emotionally abused when safe, loving parents are threatened with the loss of their children.

Protect the rights of parents asking court professionals to ensure they stay in the lives of their children. When the opportunity presents, help them recover from trauma and loss associated with these avoidable problems.

Show some courage and help grant them their wishes!

 

Financial Guidance During Divorce

Financial Guidance During Divorce Can Make All the Difference

While that statement seems obvious, the issue is where you obtain your advice and knowing whether your counsel actually has your best interests in mind, or not.

Financial counselors, like attorneys and child custody experts, are not all equal and a handful will actually stand by or participate in helping to misguide you during a very emotional and turbulent family conflict.

One trust source of information is nationally recognized author, speaker and advisor Jeff Landers.

We invite you to read his work, and let us know if you need help selecting a local expert to review your situation and to assist legal counsel during a divorce or other legal or financial matter.

Financial Uncertainty & Resentment Towards a Partner’s Financial Status is a Large Factor Contributing to the Divorce Rate

If there is a way to get the right counsel at the onset of conflict and disagreement, please do not hold back in trying to resolve the issues before hiring lawyers and filing for divorce.

You may find out there are options you did not know were available to you otherwise, and in many cases, it’s worth the investment and taking a chance.

Please contact us if you are seeking financial guidance and before deciding on a team of professionals if you are caught in conflict that may lead you into the legal system.

Founder’s Tip:

Just because many family law attorneys use certain forensic accounting firms that does not mean there is any value to be had in signing a contract, paying a retainer and hoping for the best in the end. Get informed from those who have gone before you in this process. 

The exterior of a Bankruptcy Court building

Data gathered by My Advocate Center shows that there is a way to manage through family conflict without being forced into bankruptcy. Understanding fiduciary duty is a good first step.

Pro Advocate Radio: A Father’s Mission

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First Amendment Rights Protected

Pro Advocate Radio is needed as a Voice for Families, Children and for Professionals Committed to Resolving Conflict in ways that Serve the Needs of Children.

For bloggers, citizen journalists advocacy groups, etc.

http://www.usatoday.com/story/tech/2014/01/20/defamation-bloggers-supreme-court/4658295/

GRANTS PASS, Ore. (AP) — A federal appeals court ruled Friday that bloggers and the public have the same First Amendment protections as journalists when sued for defamation: If the issue is of public concern, plaintiffs have to prove negligence to win damages.

The 9th U.S. Circuit Court of Appeals ordered a new trial in a defamation lawsuit brought by an Oregon bankruptcy trustee against a Montana blogger who wrote online that the court-appointed trustee criminally mishandled a bankruptcy case.

The appeals court ruled that the trustee was not a public figure, which could have invoked an even higher standard of showing the writer acted with malice, but the issue was of public concern, so the negligence standard applied.

Gregg Leslie of the Reporters Committee for the Freedom of the Press said the ruling affirms what many have long argued: Standards set by a 1974 U.S. Supreme Courtruling, Gertz v. Robert Welch Inc., apply to everyone, not just journalists.

“It’s not a special right to the news media,” he said. “So it’s a good thing for bloggers and citizen journalists and others.”

Crystal L. Cox, a blogger from Eureka, Mont., now living in Port Townshend, Wash., was sued for defamation by Bend attorney Kevin Padrick and his company, Obsidian Finance Group LLC, after she made posts on several websites she created accusing them of fraud, corruption, money-laundering and other illegal activities. The appeals court noted Padrick and Obsidian were hired by Summit Accommodators to advise them before filing for bankruptcy, and that the U.S. Bankruptcy Court later appointed Padrick trustee in the Chapter 11 case. The court added that Summit had defrauded investors in its real estate operations through a Ponzi scheme.

A jury in 2011 had awarded Padrick and Obsidian $2.5 million.

“Because Cox’s blog post addressed a matter of public concern, even assuming that Gertz is limited to such speech, the district court should have instructed the jury that it could not find Cox liable for defamation unless it found that she acted negligently,” judge Andrew D. Hurwitz wrote. “We hold that liability for a defamatory blog post involving a matter of public concern cannot be imposed without proof of fault and actual damages.”

The appeals court upheld rulings by the District Court that other posts by Cox were constitutionally protected opinion.

Though Cox acted as her own attorney, UCLA law professor Eugene Volokh, who had written an article on the issue, learned of her case and offered to represent her in an appeal. Volokh said such cases usually end up settled without trial, and it was rare for one to reach the federal appeals court level.

“It makes clear that bloggers have the same First Amendment rights as professional journalists,” he said. “There had been similar precedents before concerning advocacy groups, other writers and book authors. This follows a fairly well established chain of precedents. I believe it is the first federal appeals court level ruling that applies to bloggers.”

An attorney for Padrick said in an email that while they were disappointed in the ruling, they noted the court found “there was no dispute that the statements were false and defamatory.”

“Ms. Cox’s false and defamatory statements have caused substantial damage to our clients, and we are evaluating our options with respect to the court’s decision,” wrote Steven M. Wilker.

Forbes on Bankruptcy After Divorce

“Some people are pushed into bankruptcy by their former spouse. Let’s say they owned a house together but they either don’t want to sell it (because they want the children to keep living there) or they can’t sell it because it’s upside down. One of them agrees to pay the mortgage; it might be the spouse who lives there, or it might be the ex who is supporting him or her. But the mortgage doesn’t get paid. Maybe that spouse eventually files for bankruptcy, and the other one ends up having to file in order to keep the house and catch up on payments, or to discharge their responsibility for the remaining loan.”

What this Forbes article does not spell out is that professional misconduct plays a large role in ensuring that at least one of the parties doesn’t make it – meaning they are not able to maintain stability, to prosper, and to give the best they have to their children. Their best has been undermined and taken away. Many mothers and fathers are filing bankruptcy following divorce and child custody cases, but we believe much of this loss could be avoided.

Avoid BankruptcyWhen you review billing records and communications with child custody experts and between attorneys, you can see that, unfortunately, this is intentional in some cases. It is these cases we refer to when we ask authorities to review cases.

Forbes contributor Emma Johnson makes a sound argument here for paying attention to your credit score and working to protect yourself, but make sure you’re aware of the diligence needed in selecting professionals who will not aim for breaking the bank – your bank – in your family law or child custody case.

Financial matters are a key focus for our professionals belonging to our Resource Directory and for those featured on Pro Advocate Radio.

 

Check out ProAdvocateRadio.com to learn more from one of our financial advisors, Wendy Hayes. Wendy is a Certified Divorce Financial Analyst and is committed to helping families reset priorities so that their financial resources and time are preserved for themselves and for their children. Listen here to Wendy’s sound counsel.

Protected: Baldwin Blunders Should Lead to an Open Investigation

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Court Watch: Do Georgia Predators Have It Easy?

Is being a sexual predator in Georgia just entertainment, or are we ready to call it a crime to sexually assault someone or to secretly videotape children and adults during private moments?

Three fathers in Georgia have so far avoided conviction and real consequences for alleged sexual misconduct, as has former magistrate judge and Guardian ad Litem Doug Nelson in the Augusta Judicial District.

Before we get into the specifics of these cases, we want to make sure you are aware of this video and the related document. The Georgia Domestic Violence Bench Book exists to help guide professionals in family law and child custody cases involving violence and various forms of abuse.

In the Atlanta area we are asking the question, “Should this man, William Randolph Cushen, be considered as safe for any child?” Would you leave him unsupervised with your own child or anyone else’s child?
CBS46 News

This post covers the issue of protection being avoided intentionally by certain professionals, and avoided consistently across Georgia counties in family law, child custody, family violence and child abuse cases. It touches on our analysis and reporting from the Atlanta area counties, including Cobb and Fulton counties, to the Augusta circuit including Richmond and Columbia counties. The more you learn about what it takes to prosecute offenders and to protect victims, the more you realize we clearly need more help in Georgia on abuse cases. We hear and read a lot about DFCS being blamed for situations involving harm to children due to a shortfall on caseworkers, negligence or lack of oversight, but what about cases where DFCS and law enforcement are kept out, and family court professionals are to blame?

Comparisons: Some crimes are committed and recorded – literally – which show that assault is a crime. (See Turnage and Cushen, as examples.) Others are clear as well in that ethical, credible professionals have substantiated claims of abuse, only to be blocked from testifying or ignored by the courts.

Turnage: This past year we learned this older GOP official, also a predator, was foolish enough to “play” around in front of Skype getting himself caught in the act of attempted rape.  Billy Joe Turnage, chairman of the Union County Republican Party in northern Georgia, was arrested after police responded to an ongoing rape that had been seen on Skype. (Photo removed March 2015)

Georgia just can’t help it, it seems, when it comes to sexual predators and wanting to be seen in the news.   This official and GAL Doug Nelson were caught in the act, but only one was arrested.   The one responsible for helping to commit fraud during litigation and causing damages to innocent parents – and to their children – has not been arrested, and the family court judge close to this situation said “sexual harassment is not a crime in Georgia.”  Judge Roper, what was done in Augusta is not mere harassment; it was assault and it was done in the context of coercing victims using their children as leverage.

Other judges in that area knew the Guardian ad Litem Doug Nelson was a predator, sexually assaulting mothers, throwing cases based on whether they complied or not, but they did nothing to intervene. Nothing has been done yet to correct the situation. This damaged both good mothers and good fathers. The toll on the children is still rising, but Georgia officials have done nothing so far. Some of these family court cases involve DFCS investigations, but we can show that the injury to children and parents is not related to any alleged DFCS failures. It is the family court professionals who are blocking protections.

How is it that sexual predators just have an easier time with help in avoiding prosecution? Either way this news coverage of sexual misconduct and attempted assault or actual assault is critical.  

What is hard to believe is that the Cobb County, Georgia, man – William Randolph Cushen – who secretly videotaped adults and children using the bathroom in two states is still able to avoid consequences in Cobb County Family Court while his victims await justice in the criminal court. He was able to plead out in Florida on similar charges after avoiding arrest in Georgia to be extradited to Florida, but family court professionals like Guardian ad Litem Larry Yarbrough do not appear interested in using the evidence on this case to protect the children. Certain court professionals have held the mother hostage in the legal process while waiting to see if the father Randy Cushen was indicted. They stalled decisions and protections in this case, even though there is no question that he committed these crimes, including secretly filming other adults and children.

Update: now that Randy Cushen has been indicted, we will get to see if the Child Custody expert, GAL (guardian ad litem) Larry Yarbrough and the Superior Court judge give this man free reign to continue abusing, or if they protect the children and hold him accountable. In addition to the damages caused to the victims of his crimes, and the risk to his own children, the father’s attorney and other court professionals appear to want the mother to lose her business and to be unable to provide for their children. There is still much here to investigate. One question parents and counsel might consider is whether or not to allow a criminal defense attorney who is positioned to defend alleged perpetrators (as opposed to protecting children) to be assigned as guardian, especially in cases where child abuse or violence may exist.

Case history:

MARIETTA, Ga. – November, 2013. A Cobb County man is accused of secretly photographing and recording both children and adults at a pool and in restrooms.   Investigators say William Randolph Cushen, III of Kennesaw set up hidden cameras at both a neighborhood pool and his own home. According to an arrest warrant, Cushen secretly photographed women at the pool at the Overlook at Marietta Country Club, and in a bathroom at his home on Grey Point Court.  The warrant says Cushen secretly videotaped women, men and children in the bathroom. Cobb County police would not comment about the case, citing its nature and an ongoing investigation. …Talk about being caught in the act!  

We want to bring your attention quickly to a major problem for victims and for our State leadership:  

Victims often do not get the support or protection they need, or the crime isn’t called a crime apparently until the victim is nearly dead, or deceased. This is not just because victims are afraid to speak up, and it’s not just that the evidence does not exist or hold up. This may be over-simplifying the answer, but it seems that the core issue is that it is more profitable to avoid protecting victims and to let true offenders off the hook. This is what we refer to as putting profit over protection.

Maybe the assault in front of Skype referred to here will make a difference even though police say the victim was “not physically injured,” or will this be forgotten? Thanks to this assault being seen, Billy Joe Turnage was arrested and charged with aggravated sexual battery and criminal attempt to commit rape.

But what about Randy Cushen’s victims? Child abuse can be prevented_My Advocate Center

When is it their turn to have justice?

Perpetrators of sexual assault, even those careless enough to leave evidence on text (Doug Nelson, GAL), on their computers (Cushen), or on Skype (Billy Joe Turnage), and even those exposed in the news media, often do not get prosecuted, and in some cases they do not face the consequences that early reporting suggests they will receive.

Two other cases we follow, one in Fulton County and another one in Cobb County, both involved investigations that led to substantiated abuse reports (one by DFCS), but the alleged perpetrators are still given either primary custody or visitation rights without any regard for the protection needed by the children.

It does seem that Georgia has a problem with tolerating sexual assault and abuse, even when the crimes and evidence are clearly identified and the victims are begging for justice (Cobb County let father John Kristofak out of jail knowing he was mentally unstable and committed to murdering his former wife).  

These are not isolated incidents and much of the injury is predictable, and avoidable.

If national news media is what is needed to make a difference, then we hope this SKYPE spotlight will serve us well!

In the meantime, please keep asking this question: is it all of Georgia leadership and all courts or agencies, or is it mostly family court professionals who put profit over protection?

Either way, KEEP THE PRESSURE ON to have predators and those who cover for them held accountable, while ensuring protections and treatment for victims.

Union County Sheriff Investigator Staff Sgt. Darren Osborn told the paper that 911 dispatchers received a report of an ongoing “assault and rape” of a 39-year-old female at Turnage’s residence last week. Osborn said that investigators from the Georgia Bureau of Investigation conducted two days of interviews before bringing criminal attempt to commit rape charges against Turnage.  

 

This is KEY: the GBI only needed two days to decide to bring criminal charges for the attempt to commit rape.

But in the Fulton County Superior Court case, the GBI did not follow through on twice-confirmed evidence of child pornography, and both police and forensic experts were not allowed to testify for the protection of this child. Now the alleged perpetrator is getting away with making false allegations against the abused child’s mother, and she has been run into the ground from trying through the court system to defend herself and to protect her child. 

Why should the public follow up on this particular story about the rape assault on Skype? Because other sexual assault victims in Georgia, and victims of other types of assault or exploitation, are not getting justice or any kind of protection in many cases.  If we lose interest in these stories everyone loses, especially victims of crimes. In other cases the perpetrators do not have the political pull and connections this man apparently has. So if those other offenders are never convicted and their victims do not get justice, what do you think might happen here?

In the Augusta area, mothers who were sexually assaulted by the GAL Doug Nelson during their child custody cases cannot get law enforcement to take action against this predator. This is in spite of his text messages revealing his actions and their video testimony, and in spite of the fact that there are multiple victims and clear damages.  

There is even proof that judges knew this was going on and did not intervene, ignoring the damages to both parents and to their children. Good mothers lost custody of their children when they did not comply with his demands for sex, while at least two good fathers lost their rights – and a lot of money – when the mothers on those cases allegedly complied with Nelson’s advances.  

What in the world is going on outside the gates of the peaceful and austere grounds of the Augusta National Golf Course, home to the Masters Tournament?  This can’t possible be the same place the world sees as a golfers paradise?

Back to other news: The New York Daily News and other major media outlets spent time to learn whether this is the norm in Georgia, or was this aging now-former official just that stupid on top of being willing to commit the criminal act of raping a woman?

“A Georgia Republican official is facing criminal rape charges after he broadcast on Skype an alleged sexual assault attempt, according to a bombshell report.

Billy Joe Turnage, the 76-year-old GOP chairman in Union County in northern Georgia, allegedly tried to rape a 39-year-old woman in her house — and he televised the disgusting act on the Internet, according to the North Georgia News.”

 On this AJC page covering the Georgia election updates, more is explained about how this went down – or actually went UP, as in on the air: “Oct. 22, dispatch received a 911 call at approximately 4 p.m. of what was believed to be an assault and rape,” Sgt. Osborn said. “It was being viewed via Skype. Deputies responded and I responded as well.”

Ryan Mahoney, a spokesman for the state GOP, said state party officials have received no communication regarding Turnage’s status. Any effort to remove him would require action at the local level, Mahoney said. A picture of Turnage and David Perdue, the GOP candidate for U.S. Senate, is on the Union County GOP Facebook page. It’s not likely to be there long. (If you follow up on this story, please let us know if this offender was held accountable.)

Correction: the Union County GOP Facebook page is GONE.  So apparently that is one way to rid yourself of pesky photos of predatory pals.

 

 

For now we’ll leave you with these questions:

Do victims of assault experience real damages even if they are not physically injured or if the injuries do not include physical bruising or tearing?

Do we expect our Courts and Law Enforcement to prosecute crimes and protect victims even when news media is not applying pressure?

If this kind of abuse is being reported on by news media, and victims are still not receiving any help from the courts or from state agencies, then what hope is there for other victims?