Divorce & Executive Compensation: The Assets Most People Miss with Stacy Francis, CFP®, CDFA®, CES™

In this episode of Journey Beyond Divorce, Karen McMahon sits down with Stacy Francis, CFP®, CDFA®, CES™ , President and CEO of Francis Financial, to unpack one of the most complex and often overlooked aspects of divorce: executive compensation. When income extends beyond a traditional paycheck to include RSUs, stock options, deferred bonuses, and long-term incentive plans, the financial landscape of divorce becomes significantly more complicated—and the stakes much higher. Together, Karen and Stacy explore how these "golden handcuffs" function and why they are so frequently misunderstood, undervalued, or even missed entirely during divorce proceedings. They dive into how executive compensation is structured, where disclosure gaps tend to occur, and how to identify these assets through key documents like offer letters, vesting schedules, and compensation statements. Stacy also explains how marital versus separate property is determined using time-based calculations tied to the date of divorce, and why timing, vesting schedules, and tax implications can dramatically impact the outcome of a settlement. This conversation brings clarity to critical decisions, including whether to divide future vesting shares or offset their value with other assets, and highlights a common and costly mistake around who is responsible for taxes on RSU income. Karen and Stacy also discuss real-world complications like job changes, buyouts of unvested compensation, and what happens to these assets in the event of death or disability. Throughout the episode, they emphasize the importance of working with experienced legal and financial professionals who understand high-net-worth divorce and complex compensation structures. Whether you are an executive navigating divorce or a spouse trying to understand the full financial picture, this episode offers essential insights to help you avoid costly mistakes, ensure proper disclosure, and make informed decisions that protect your long-term financial future. Connect with Stacy: Website: Facebook: Instagram: YouTube: Free Gift: We have seen first-hand the impact that a detailed Legacy Plan has on our clients and their loved ones. This experience inspired us to create our Legacy Planning Checklist. To make it easier, we've created a three-part Webinar which will take you through the checklist step by step to make sure you finish with confidence. Each session is hosted by Certified Financial Planners™ Stacy Francis and Natalie Colley, who share practical guidance, real examples, and tools to help you build your personalized legacy plan with clarity and confidence. Gift Link: Resources Mentioned in this Episode: Follow JBD on Instagram: @journey_beyond_divorce Book a Free Rapid Relief Call: Free Divorce Support Network Gift:

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Divorce & Executive Compensation: The Assets Most People Miss with Stacy Francis, CFP®, CDFA®, CES™ is an episode from Journey Beyond Divorce Podcast by Karen McMahon.

This episode is 46:08 long.

This episode was published on Apr 11, 2026.

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