DIVORCE FINANCIAL PLANNING
Your Experts
Our team of dedicated professionals are here to help you navigate the financial complexities of divorce. Get to know the people who are committed to protecting your assets and securing your future.
Josephti Cruz
Founder | Certified Divorce Financial Analyst |
Co-host of Cover Your Assets Podcast
In 2017, I went through a divorce and realized that I was clueless about the financial aspect of the process, and I'm a financial professional! After getting inaccurate advice about settlement options from my consulting attorney, I later realized that lawyers and mediators are not as well-versed in divorce finances, and I decided to become a Certified Divorce Financial Analyst (CDFA®).
For as long as I can remember, I’ve harnessed my “mom energy” to take care of my people—to make life simpler and easier for those around me, to be that reassuring, trusted pillar of strength and consistency. My life’s goal continues to be simple and straightforward: to nurture and care for my family, my friends, and my clients, whether they're single, married, divorced, or widowed. I am here to be my clients’ and their loved ones’ trusted partner for the rest of their lives, through all phases of life.
Specifically for my divorcing clients, it's my goal to help you, both of you, achieve a balanced, amicable settlement. I want you to be the best divorced family you can possibly be.
Jade and I host "Cover Your Assets - A Money and Divorce Podcast." Find us on Spotify, Apple, and YouTube.
I have over 25 years of experience in both financial planning and investment management, and am the co-founder of the WealthGarden f.s., a boutique financial planning firm in Los Angeles. My daughters and I live in the South Bay community of Los Angeles.
Professional Associations and Memberships
Kathryn Holland
Certified Divorce Financial Analyst, CFP®, RICP®
After navigating my own divorce as a stay-at-home mother with limited financial knowledge, I committed myself to becoming the advisor I once needed. I now empower clients—especially those over 50—to make informed, confident decisions about their financial futures.
I am a Certified Divorce Financial Analyst® (CDFA®), Certified Financial Planner™ (CFP®), and Retirement Income Certified Professional® (RICP®) who specializes in the financial complexities of grey divorce. With a deep understanding of both the emotional and economic challenges that come with later-life separation, I bring clarity, strategy, and compassion to the divorce process.
My CDFA® designation equips me to work closely with family law attorneys, mediators, and clients to analyze the short- and long-term financial impacts of divorce settlements. I am particularly skilled in addressing issues such as property division, tax implications, retirement planning, and the strategic use of California’s Proposition 19 in divorce negotiations.
Outside of my professional life, I am a fiber artist, beer aficionado and passionate hockey player. I volunteer with her local hockey community, am active with the American Red Cross, and enjoy snowboarding, putt putt golf, and upcycling vintage clothing with my son.
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Donna Fletcher, MSW
Director of Operations | Chief Number Cruncher
With a Master’s Degree in Social Work from USC and a Bachelor’s Degree in Psychology from UCLA, I’ve spent over two decades helping individuals navigate some of life’s most challenging moments—from medical crises to mental health struggles and community-level interventions. I’ve worked alongside families in hospitals, supported isolated seniors, counseled clients through major life transitions, and partnered with public health researchers to bring evidence-based support to underserved communities.
My approach has always been rooted in empathy, clarity, and holistic care—values that align deeply with the mission of Cover Your Assets Divorce Financial Planning. I’ve worked with many individuals as they made life-changing decisions, helping them find stability, strength, and confidence in times of uncertainty.
Here, I bring the heart of a social worker into the financial realm. I help clients not only understand the numbers, but also feel supported through the emotional complexities of divorce. My goal is to ensure each client feels heard, prepared, and empowered to rebuild—on their own terms.
Jade Eagles
Co-host of Cover Your Assets Podcast
As a financial professional who experienced my own divorce, it was a reality check to find out that although I had an expert understanding of financial planning and investments, that didn’t translate to having an equally strong understanding when it came to financial assets in a divorce. I learned after the fact (and after I signed away a significant amount of assets that were rightfully mine) that assets aren’t always split 50/50, commingled assets can still potentially be separated, and most importantly, although divorce attorneys are the experts in family law, they aren’t necessarily experts in the more complex financial intricacies of divorce.
It was by going through this process and realizing what I didn’t know that I decided that I wanted to help people navigate through their own divorce. Whether I’m advocating for one spouse or acting as a financial neutral on behalf of a couple, my goal is to help achieve a settlement that is fair and balanced. If children are involved, that also extends to trying to achieve an amicable result where you can be the best divorced family once the dust has settled.
I have over 14 years of experience as a financial planner and am the co-founder of the WealthGarden, a financial planning and investment management firm in Los Angeles. My teenager son and I live in the South Bay community of Los Angeles. My #1 travel buddy and I enjoy exploring the world together. During the summer you’ll find us at the beach or discovering a national park, and in winter we’re improving our snowboarding skills or escaping winter for a Christmas summer in Australia visiting family.