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
Whitney Light
Certified Divorce Financial Analyst
During my three-year separation, I became a CDFA to make divorce finances make sense.
I faced the same complex financial decisions my clients now bring to me, and as a meticulous wealth manager, I couldn’t accept the exceptionally gray area of divorce finances – or that my attorney wasn’t equipped to guide me on the money part, involving life-altering decisions.
What surprised me the most: even with every professional advantage, I struggled to make myself do the process. For high achievers navigating divorce with ADHD, it can feel like a double failure: first the marriage, and now you’re somehow failing at the divorce, too. Living that taught me what no credential could: for brains like mine, divorce is a process problem, and process problems can be solved. So, I’ve designed practices around how our brains actually work under stress and when life demands months of slow, emotionally loaded paperwork. My clients get a version of the divorce process I wish I’d had.
The same brain that fought the paperwork is also my best professional asset – and it showed up early. Weekend mornings as a kid meant spreading two sections of the newspaper across the table: business and comics. That pattern-hungry attention helps me spot what others miss, and it’s carried me through my career: building ETF portfolios when they were first introduced as an investment vehicle; establishing Bar Method studios throughout Orange County early in boutique fitness; and tackling complex, high-stakes wealth management at Stifel Inc.
My first friends in California forgave the South Jersey accent I arrived with in 2000, and I’ve been tenaciously loyal to my people from coast to coast ever since. My daughters, Reece and Gwen, are the ones who taught me we really do have endless amounts of love to give
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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.
As co-host of the Cover Your Assets Podcast, I draw from my personal experience and financial background to help bring the financial issues of divorce to light. Through practical conversations with financial, legal, and divorce professionals, my goal is to help listeners better understand their options, ask the right questions, and make informed decisions that can protect their financial futures.
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.