And with divorces no longer limited to contentious legal battles, financial advisers say they play a critical role in out-of-court settlements such as collaborative and mediated divorces.
理财顾问称，随着离婚不再局限于旷日持久的官司当中，他们在庭外和解如协议离婚和调解离婚案中扮演着关键性的角色。
"It's one of the most stressful transitions that a financial planner is needed for," says Laura Hyman, a New York City-based adviser with RBC Wealth Management, a division of Royal Bank of Canada."You have to look at them as the couple they were and as the individuals they are going to be. The usual financial planning structure doesn't work."
“这是理财规划师需要做的最为充满压力的转变之一，”在加拿大皇家银行财富管理部工作的纽约市分部理财顾问Laura Hyman说。“你必须在他们还是夫妻、将要分道扬镳的时候就关注他们。常见的财务规划结构不中用。”
In a collaborative divorce, a team of experts is involved, including attorneys for both sides, a divorce coach and a child specialist if there are children involved.
在协议离婚案中，会有一个专家团队参与其中，包括离婚双方的律师、离婚辅导员，如果离婚涉及到孩子，则还会有儿科医生。
The role of the financial adviser is to act as a "financial neutral" and develop a plan for dividing the couple's assets. The adviser is prohibited from taking either party as a clientonce the divorce is finalized.
理财顾问的角色就是担当一个“财务中立者”，作出一份夫妻财产分割的计划。离婚一旦了结，顾问便不得把任何一方当作其客户。
In a mediated divorce, usually only the attorneys and the mediator are involved. The adviser can act as a financial neutral, or he can be hired by either the husband or wife. Unlike in a collaborative divorce case, a financial neutral in a mediated divorce can take either party as a client after the divorce.
在调解离婚案中，通常只有律师和调解人参与其中。理财顾问可充当财务中立者，或者他也可以受雇于丈夫或妻子任一方。和协议离婚不同的是，调解离婚案中的财务中立者可以在事后将夫妻任何一方当作其客户。
GETTING PAID
取得报酬
Unlike the usual modes of compensation for advisers -- commissions or as set-based fees -- a financial neutral charges an hourly fee.
与普通的顾问报酬模式——收取佣金或以资产为基础来收费——不同，财务中立者按小时收费。
There is no set rate, but advisers usually charge $100 to $150 an hour, says Fadi Baradhi, president of the Institute for Divorce Financial Analysts (IDFA), which trains advisers indivorce issues.
虽然没有设定的费率，不过理财顾问一般会收取100-150美元一小时，培训离婚争端顾问的离婚财务分析师协会的会长Fadi Baradhi说。
In a mediated divorce, the bigger payoff usually comes if one of the parties chooses to work with the adviser after the divorce.
在调解离婚案中，如果一方选择离婚后与顾问合作，则通常报酬会更高。
That's how Charles Day, a Purchase, a New York-based adviser with Morgan Stanley Smith Barney, a joint venture between Morgan Stanley and Citigroup, has built his divorce practice. He oversees $175 million in client assets, and over half of his practice is divorce-related. Nearly all of his divorce clients are women.
那就是摩根士丹利和花旗集团的合资公司——摩根士丹利美邦公司的纽约市籍理财顾问CharlesDay为何开创其离婚业务的原因。他监管着1亿7千5百万美元的客户资产，业务有一半以上与离婚有关。他的离婚客户几乎全是女性。
Clients are referred to him by their attorneys or therapists, and he does not usually charge a fee for his adviceduring the divorce. Day can advise a client for anywhere from six months to a year for free. He says he almost always succeeds in becoming the client's primary adviser after the divorce and taking care of their portion of the assets from the settlement.
客户由他们的律师或治疗专家介绍给他，而他通常不会在离婚期间收取顾问费用。Day会为客户免费咨询6个月到一年，不管是在哪个方面。他说他几乎总是能在客户离婚后成功地成为其首要顾问，并料理他们从协议中分得的部分资产。
"If you try to push them andmake them think you're only concerned about their money and not them, you will lose them as a client," Day said.
Day说，“假如你试图催逼他们，让他们认为你只是关心他们的钱财而不是他们本人，你将失去他们成为客户。”
Other advisers prefer the transient nature of financial neutral work.
其他理财顾问则更喜欢财务中立工作的那种临时性。
Garrick Zielinski, a Milwaukee-based adviser who founded advisory firm Divorce Financial Solutions, says that after years of working as a traditional financial adviser, he does not miss the stress of maintaining long-term relationships with clients.
Garrick Zielinski，创立了离婚财产分配咨询公司的密尔沃基市顾问表示，做了几年传统的理财顾问之后，他并没遇到过与客户保持长期联系的压力。
"When the divorce is over you are done. You get them to the next stage of life and move on," he said.
“当离婚案终结时，你也能被接受了。你要引导他们进入下一阶段的生活，继续前行，”他说。
注：文章来源http://www.reuters.com。
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