Clari Nolet

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Clari Nolet, CDFA(TM), is dedicated to helping women thrive financially and otherwise after a divorce (just as she did many years ago). Clari’s mission as a women’s personal wealth advisor is to educate and enable clients clearly visualize their options with access to a team of experts when needed. Helping women facing a (potentially, lifestyle-changing) divorce understand and make the right decisions so that they can thrive is what she is passionate about.

As a Certified Divorce Financial AnalystTM, Clari specializes in helping women (before, during and after a divorce), position themselves financially in the most advantageous way possible. As a trusted expert for Family Law Attorneys, Clari and her seasoned team of financial and real estate specialists’ insights on wealth preservation and growth strategies helps to guide her clients throughout the divorce process.

From raising a now-grown and successful daughter on her own, to mentoring women throughout her career in high tech, Clari knows how to integrate personal goals and dreams into a much bigger financial picture. During her career, Clari has held Senior Management positions in marketing and product development for Silicon Valley Fortune 100 companies and venture-backed start-ups.

Clari is on the Advisory Board of El Camino Women’s Hospital and an elected Board Member of the Los Altos Rotary Club. Clari has a Master’s of Business Administration (MBA) degree, with an emphasis in Finance, from Suffolk University in Boston, and a BS Degree in Chemistry from St. Lawrence University in New York.

Life after divorce gets better and better for Clari and her blended family…
This year, Clari and her husband will become empty-nesters (in their lovely Los Altos home--with two children in college, one getting a Masters Degree and one working); and this year, Clari (an athlete all her life), ran her first marathon as a part of a team with her daughter!

Expert Articles by Clari Nolet

Money and Divorce

Financial advice for women going through divorce after a long marriage

Expert Articles Sponsored by Clari Nolet

Credit and Debt Management

How to rebuild your credit after clearing up debt problems
How to pay down credit card debt on your own
Avoiding holiday debt
Stay out of debt and within your budget when shopping for the holidays
Get a credit card with low interest rate and great rewards program
Avoid late fees and lower interest charges with debt consolidation
Choose the right debt consolidation company to help pay down your debt
Teach your college student financial responsibility with a credit card
Avoid bankruptcy, take control of your debt, and repair your finances
How to stop harassing phone calls from debt collectors
Be financially responsible with your credit card while in college
Credit counseling can reduce monthly payments and pay off debt
Understand debt settlement to help deal with your debt problem
Choose a trusted debt settlement company to help resolve your debt
Expert advice on how to deal with a debt collector
How to negotiate outstanding debt with a credit card company
The importance of debt: Is there such a thing as healthy debt?
How to improve your credit score and ensure financial health
Everything you need to know about credit reports and credit scores
How to recognize and avoid a personal financial disaster
How and why your should improve your credit score
How to negotiate a lower interest rate on your credit cards
Lower your credit card interest rate with a phone call
How to pay off credit card, student loan, and home mortgage debt
Teach your teen about money and good credit card habits
How to pay off large credit card debt on multiple credit accounts

Retirement Planning

Gen Y workers must start saving and investing early for retirement
Have the money you need for retirement with lifetime income annuity
Expert advice on choosing lifetime income annuity program
Take control of your future with a self-directed retirement plan
Know how to financially plan for retirement so you can retire on time
Understand net unrealized appreciation for your 401K
How to benefit from rolling over your 401(k) to an IRA
Expert advice on retirement planning for small business owners
Planning for health care costs is vital to successful retirement
Key considerations in saving for a confident retirement
Save for retirement the moment you land your first job after college
Guarantee income in your retirement with fixed indexed annuities (FIA)
Young people: take a new investing approach to retirement planning
Plan for retirement and get the most out of Social Security benefits
Understand the differences between deferred and immediate annuities
Gain control of your financial health for retirement with a budget
Start planning for retirement as soon as you get your first job
Advice on how to reduce the fees on your 401K retirement account
Expert advice on planning your retirement together
When to collect social security benefits in retirement
Make the most of your money and minimize taxes in retirement
Retiring overseas is possible with careful financial planning
How to make sure your retirement savings lasts the rest of your life
Advice for when you lose your job and forced into early retirement
Create financial security and well-being for your entire family
Ensure steady retirement income with a low-risk annuity investment

Marriage and Couples

Get help if you are unsure of your marriage or relationship
Date night is a must for parents to ensure a healthy relationship
Parents can still have a romantic relationship while raising kids
Admitting when you are wrong supports a healthy relationship
Save your relationship with an experienced marriage counselor
Expert advice for a strong and passionate marriage and relationship
Expert advice on meditation and how it can improve your relationship
Get the love you want in your relationship with help from a therapist
Maintaining sexual and emotional intimacy is vital for parents
Expert advice for keeping the romance alive after having a baby
Do you tell your fiancee that you don't love the engagement ring?
Emotionally connect to make it a good relationship and marriage
Parents can rekindle their intimacy to create a strong marriage
Great first wedding anniversary gift ideas for your husband
Fostering strong connections is essential to family well-being
Create meaningful relations by nurturing fulfillment and intimacy
Understand the 4C's and get the best value when buying a diamond
How to create the perfect marriage and avoid divorce
Plan the perfect Valentine's Day for your wife or girlfriend
Tips to ensure parenting does not interfere with your marriage
How to put the sizzle in your sex life regardless of your age
Improve your marriage and relationship through better communication
An unplugged weekend getaway will do wonders for a relationship
How can married couples thrive when one partner has adult ADHD?

Divorce and Separation Law

The right way to separate
What to do when "I do" turns into “I don’t”- A Divorce Guide
Legal guidance for co-parenting a pet with your ex
How to choose the right divorce attorney for your divorce
Negotiating alimony during a divorce
A parenting plan means more than trading weekends with your ex
Divorcing and divorced dads succeed when they put the interests of the children first
Fathers will win child custody battles if the children are the priority in everyday life
Take precautions to ensure a quick and fair high net-worth divorce
These child support basics will benefit you and your children
Men will prosper in a divorce by focusing on these practical solutions
Be realistic, reasonable and communicate for a successful divorce
Find hidden assets that your spouse has not declared during divorce
Divorce mediators help you settle differences and save money
Mediation can help you get what you want in divorce and save money
Know the difference between custody and shared parenting in divorce
Parents considering divorce must protect themselves and kids
A collaborative divorce avoids a court battle and reduces costs
Choose the right divorce attorney to protect you and your family
How to get an annulment when there is misrepresentation or fraud
How to ensure your ex-spouse complies with the court's orders

Estate Planning

Planning your funeral service in advance gives you peace of mind
Advice for selecting the right estate planner for your situation
Having a baby? Create an estate plan to protect your family
Create a well-designed estate plan for you and your family
A well-rounded estate plan will help protect your family
Receive an inheritance recently? Here is expert financial advice
No family to pass your assets to? Advice for creating an estate plan
Plan your funeral service and ensure your wishes are fulfilled
Choose the right casket for your loved one when planning the funeral
Advice for choosing a qualified estate planner
Save your family the time and stress of probate with your estate
Create an estate plan that works for you and your beneficiaries
Financial steps you must take immediately on the death of a spouse
A new baby is good reason to review and update your estate plan
What every young mom needs to know about wills and estate planning
Married couples should consider individual wills vs a joint will

Finance for Couples

Debt, savings, and spending basics for the newly engaged
Newly married couples should plan their finances together
Discussing a prenup can help you both plan your financial future
Prepare for your first baby with a solid financial plan
Spend time on your family's financial plan to ensure a secure future
Advice on how to agree on budgeting and finances with your spouse
Marriages succeed when you're open and honest about finances
Professional advice on financial planning for newlyweds
Advice on how to deal with your shopaholic spouse
How to prepare yourself financially for a new baby
When having a baby you must assess and adjust your finances
Having a baby is a milestone requiring financial planning
A prenup or postnup agreement can be really good for a marriage
Discuss money and budgeting before buying the engagement ring
Save vs Spend: How self-control can improve finances for couples
Talk about money and personal finance in a serious relationship

Wills and Estates

Helping you through probate
Things to consider with a power of attorney
What’s the difference between a will and a living trust?
Should I leave assets outright or in a trust?
Evaluate elder’s competency to protect their health and finances
A revocable living trust will protect your assets and avoid probate
Create a postnuptial agreement to protect your financial future
Create a written will to protect loved ones and give you peace of mind
Expert advice on deciding if a prenup is right for you
Ensure your pets are taken care of in your estate plan and will
A will helps control the distribution of your estate after death
Newlyweds should prepare a will and discuss estate planning
How to correctly modify your will after having a child

Caring for Aging Parents

Advice for elderly families in transition
Help your elderly parent maintain independence with good communication
Get help caring for an elderly parent with this expert advice
Get long-term care that is the right fit for your elderly parent
Discussing difficult life issues with aging family members
Managing the stress often associated with family caregiving
Minimize the holiday blues for seniors suffering from depression
Talk openly by starting a care conversation with aging parents
Preserve the dignity of your elderly parents by caring for their needs
Navigating the challenges of becoming a caregiver to aging parents
Advice for seniors moving to a smaller home or retirement community
Advice for managing the depression of your aging loved ones
How to best approach your parent on moving into a nursing home
How to find a good home care agency and stay in your home
Loved ones can help seniors though the progression of Alzheimer's
How to ensure the safety of your aging parents behind the wheel
Maximize rewards and minimize stress when caring for aging parents
How to help and support your aging parents as they grow older
Advice on what to do when an aging loved one wants to hasten death
Pay careful attention to your elderly parent's hospitalization
Adult children can help their aging parents manage hearing loss

Budgeting

Gain control of your money
How to create a household budget
Financial planning 101 for empty nesters
Cure the holiday debt hangover with a headache-free financial plan
Teach your children rich habits to be financially successful in life
Navigating online shopping during the holiday season
Recommended New Year resolutions for your personal finances
When paying your bills, decide which debt is best to pay first
Save money in a rainy day fund for life's unexpected emergencies
Save money and spend wisely—become a millionaire by living frugally
Prepare a budget and then use online tools to manage your money
Make small changes in spending and reduce costs to boost savings
How to teach your children financial responsibility
Financial planning for the first time investor
How to respond when a friend asks for money or a loan
Advice for those investing in the stock market for the first time
Teach your kids about money and how to budget, spend, and save
Saving for a rainy day fund is easy with this advice
How to talk to your children and grandchildren about finances
A financial planner can help you reach your investment goals
Owning gold or a gold IRA can be a great long-term investment
Educate teens on the importance creating and following a budget
Spend your money wisely while on vacation and stay on budget
How to stay on a strict budget and be happy at the same time
How to save money and take a vacation without going into debt
What is diversification and a diversified investment portfolio?
How to best invest inheritance money or other financial windfall
Give kids an allowance to learn about money and how to budget
How you can plan and budget to save money on your summer vacation

Banking

How to protect the deceased estate from identity theft and fraud
Protect your kids from becoming a victim of identity theft
Identity theft victims must protect themselves from further damage
Avoid being victimized by a data breach and protect your identity
How to protect yourself from identity theft and fraud
Advice on choosing a bank for your checking and savings account
Invest through your bank's FDIC-insured Money Market account
How to choose and make the most of your rewards credit card
What to do if your wallet is lost, stolen, or missing
A donor advised fund (DAF) is a great way to give to charity
How to minimize bank fees on your checking account and bank cards
Know when to shred or keep bank documents and other information

Employment Law

Whistleblowers need to prepare when exposing employer wrongdoing
Expert advice on receiving disability benefits due to drug addiction
Expert advice for what to do when your disability claim is denied
Know how to file a disability claim and get the benefits you deserve
Expert advice on the suing for breach of a contract
Advice for securing disability benefits due to severe depression
Successfully obtain disability benefits from the effects a stroke
Expert advice when you are terminated due to age discrimination
Advice for securing disability benefits due to a concussion
Advice when resigning and you have an active non-compete agreement
A healthy, happy holiday includes disability insurance
Navigating your workplace dress code and appearance policy
Review your non-compete agreement when you quit and get a new job

Fertility

Expert advice when your having a hard time getting pregnant
Low sperm count? Consider IVF to improve chances of conception
Reduce toxins and increase fertility and chances to conceive
Get pregnant faster: Advice for boosting your chances of conceiving
How to protect your fertility after a cancer diagnosis
Considering In Vitro Fertilization? How to pay for IVF costs
A healthy and balanced diet can have a great impact on fertility
Having a baby: What you should know when trying to conceive
Couples can make conception more successful and less stressful
Endometriosis can affect fertility. Here’s how to get help

Aging and Longevity

Your elderly parent fell? This could change everything
Choose a trustworthy and qualified caregiver for your elderly parent
Empower yourself as a senior because you deserve a better lifestyle
Prevent falls as a senior by creating a safer living environment
Discover in-home healthcare options that are safe and comfortable
Live longer and feel younger by delaying old age as late as possible
Embrace the change of moving into an assisted living facility
Choose a qualified in-home caregiver from a reliable provider
Keep your independence with the help of an in-home care agency
Reduce the effects of aging using vitamin and nutrient supplements
Overcome your fear of death by embracing love and happiness
A life coach can help you reduce stressful decisions in retirement
Planning and preparation can help with the care of aging parents
Age gracefully with a positive attitude, strong mind and healthy body
Expect spiritual expansion and change when experiencing hospice
Forgetful? Memory enhancement is still possible as you age
Help managing Parkinson's disease symptoms and getting treatment
Embrace hospice as a guide on the journey through terminal illness
Ensure you track and take your medications on time
What can older adults expect from assisted living communities?
Understand Alzheimer’s disease and the care options available
Using modern technology can help elderly people with dementia
Age beautifully and gracefully to help stay healthy and happy
You may be able to stay in your house with home care assistance

Undergraduate Programs

How to successfully live at home while attending college
International student adjusting to life at a US college
Is college really worth it?
How to be successful in an online classroom
Visiting college campuses during the summer
How to network in an online class
Balance life and work while getting an education online
Advice for those going to a community college
Write a great college admissions essay that will get you noticed
Be successful with these SAT reading comprehension strategies
Approaching the college search and admissions process with ease
Learn how to effectively memorize study material for school
Advice for a freshman preparing for college life on campus
How to answer the ‘Tell me about yourself’ interview question

Renting Real Estate

Become a successful landlord
Guide to choosing a property manager for your rental property
Understand your legal obligations before signing a lease agreement
How to protect you and your rental property as a first-time landlord
Secure long-term tenants by making your rental property a home
Advice on finding and renting an apartment in New York City
Use Facebook to help you find the perfect rental property
Choose a property management firm to rent and manage your home
What to consider when renting your home or apartment in NYC
Advice for landlords on screening and selecting the best tenants

Families in Divorce

Teenagers: You can get through your parents' divorce
Creating a safe, open space is key to talking to kids about divorce
Single moms have healthy social lives by managing kids' expectations
Sensitivity is vital when talking to toddlers about divorce
Ease the transition for kids between two homes after divorce
Help your kids by moving on after divorce and reclaim your life
Managing the effects of divorce on kids with and without disabilities
Expert advice for protecting your children during and after divorce
What to do when your teenager wants to move in with your ex-spouse
Navigating divorce while raising a child with special needs
Ensure a happy and healthy future for kids by divorcing with dignity
Make your divorce easier on kids by divorcing only your spouse

Taxes

Be prepared for when you get audited by the IRS
Expert advice on dealing with the IRS on back taxes and collections
Protect against an IRS audit when you file small-business taxes
Hire a trustworthy and qualified certified public accountant (CPA)
Advice on hiring the right tax attorney to help you fight an IRS audit
How to make sure your tax returns are never audited by the IRS
Should you have a professional tax preparer do your personal taxes?
Advice for filing taxes on your own for the first time
What can independent contractors do to help reduce their tax bill?
Small businesses can cut taxes by donating excess inventory
Tax advisers do taxes and can help improve your financial health
Advice for a sole proprietor business owner facing an IRS audit
What to do when you do not have enough money to pay your taxes
Small business owners: do a mid-year review of taxes and finances
Maximize tax deductions and credits on your tax return this year

Financing Education

The EFC and how it affects your financial aid
Apply for scholarships the right way to get more money for college
Teach your college student how to budget for financial independence
How to save money for college and retirement at the same time
College students: manage your spending to help you save money
Make the most of federal student loans to pay for college
Should you use student loans to pay for your college education?
A 529 plan for your child is a smart way to save money for college
Work hard and budget for your college tuition and other expenses

Home Mortgages

Guide for first time homebuyers on securing a mortgage
How to get a mortgage to buy or refinance your home
Guide to obtaining a mortgage in the new lending world
Secure a mortgage and proper financing for your vacation property
Successfully secure a loan for your home renovation project
A reverse mortgage is a great way for homeowners to convert equity
Choose between a 5/1 ARM or 30 year fixed rate mortgage
Which loan is best for you? A jumbo or conventional mortgage
Expert advice on buying or not buying points for a home mortgage
Expert advice on securing the best rate for your home mortgage
Rebuild your credit and secure a mortgage after a short sale
Veterans should use the VA Loan Program when buying a house
Determine how much you can afford to borrow for a home mortgage
Advice for successfully securing a home mortgage when self employed
How to successfully get a mortgage for your investment property
Learn when to lock your fixed rate loan to get the best rate
How to get a mortgage for a home with less than 20% down payment

Education Loans

Avoiding the horror stories of student loan debt
Parents: Caution when cosigning for child’s college student loan
Consolidating your student loans is the best option to repay them
Advice for when you are not able to pay your student loan payments
How to have a life after college and repay your student loans
Money lessons every college grad should know

Money and Health Care

Do not let large medical bills weigh you down
Read the small print when signing medical financial consent forms
Protect yourself and your budget when signing online medical financial consent forms
Understanding your medical bills can protect your financial health
How to negotiate and manage large medical bills and billing errors

Money and Divorce

Financial advice for women going through a divorce
Financial advice for women going through divorce after a long marriage
Achieving financial independence after divorce offers a fresh start
Protect your financial well-being and future during separation
Expert advice on debt and credit when getting a divorce
Expert advice on how to best divide assets during a divorce
Women: a divorce financial planner can help you fairly divide assets
Women: plan for retirement and secure your future after a divorce
Advice on how to split your assets in a divorce
Advice for women on calculating your financial needs after divorce
Advice for women on determining financial needs after divorce
Do not just divide assets and debts in divorce—consider a buyout
Help for dads paying child support or alimony after a job loss

Death of a Spouse

Advice for surviving the death of a spouse or partner at a young age
Learn to accept and embrace the death of a loved one
Advice on helping a loved one through the first year of grieving
The death of a spouse: Rebuilding your life after the first year
Live, love and laugh again after the loss of a loved one
Take care of yourself emotionally after a loved one dies

Life Insurance

Selecting term life insurance
Selecting whole life insurance when you're newly married
Selecting whole life insurance
How to use life insurance to protect assets
Understanding your Canadian permanent insurance options
Selecting Canada's Term-to-100 life insurance
Selecting Canada's whole life insurance
Selecting Canada's universal life insurance
Shop online for term life insurance that is right for you
Protect your family in your 40's with right term life insurance
Financially protect your family’s future with term life insurance
Between 20 and 25, protect your financial future and buy term life insurance
Saving money is easy when you buy term life insurance in your 20s
Buy term life insurance when you are young, married or have a baby
How to get term life insurance with pre-existing health challenges
New parents: Understand whole life insurance before buying
Read and understand the life insurance policy before you make a claim
Advice on using permanent life insurance as an investment vehicle
Expert advice for getting a high risk life insurance policy
Options for life insurance when diagnosed with prostate cancer
Learn the benefits of a No Medical Exam life insurance policy
How to buy an annuity for retirement and as life insurance
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