Leah Hadley [00:00:01]:
Welcome to Intentional Divorce Insights. I'm Leah Hadley, certified divorce financial analyst, accredited financial counselor, and the founder of Intentional Divorce Solutions. I'll be your guide through the complexities of divorce, finance, and emotional wellness. Join me as we uncover practical tips and empowering insights to help you navigate your divorce with clarity and intention. Welcome back. It is my absolute pleasure to welcome Melissa Greig today. She is a divorce mediator and business valuation expert With 20 years of experience testifying in over 50 cases for business valuations and financial matters. She has served as a financial mediator since 2016, a neutral joint valuation expert for businesses and families in conflict.
Leah Hadley [00:00:49]:
Welcome, Melissa.
Melissa Gragg [00:00:51]:
Thanks, Leah. So glad to be on your new podcast.
Leah Hadley [00:00:55]:
So I'm really excited about the topic we're talking about today. We're talking all about Intentional business valuation. And one of the things that you and I were talking about earlier, Melissa, was that businesses can be such a contentious issue in divorces, family businesses. So, Melissa, talk to us a little bit about why that is.
Melissa Gragg [00:01:17]:
Well, businesses are always gonna be the issue in a divorce because they're creating income and they're creating an asset. And so they have value just to exist, but typically, the value is based on some of that cash flow. And a lot of times, we have these businesses that are Providing all of the wealth for the family, and they could be run by 1 person, and that 1 person may not totally, Disclose all the information about the businesses. A lot of times, we will champion when we're doing really great, And we won't talk about when we gotta get on debt or we have to take out a loan or, you know, when we take those risky things. So I think then when you start to get divorced, You hear everybody you know, you heard your spouse saying, oh, this is worth a ton of money. This is worth 1,000,000, you know, eventually. But they weren't as forthcoming with some of the other pieces, which could have been I took out $1,000,000 of debt in order to try to make this work. So I think it's really that a perception that these businesses are worth a lot of money and a perception that I'm gonna get a large payout, and so that's really not always the case.
Leah Hadley [00:02:34]:
It's such an important point. And So often, the business owner themselves doesn't really have any idea of what the business is worth, and so it can be a very eye opening experience For everybody involved in the process, and a lot of times, people don't even realize that they have to have a business valuation. So, Melissa, tell me when somebody should reach out for a business valuation.
Melissa Gragg [00:02:59]:
Well, the business valuation is a very interesting piece. So normally, when you go to get divorced, each of you will hire somebody, and then they'll kind of fight in court. Or there's a way to hire 1 person And and get kind of, an idea of what the value is for both of you at the same time. And that's what we encourage. But you also if you step back a little bit about the psychology of a business owner, you know, the business owner is usually a risk taker. They're usually doing some amazing things, which takes some amazing risks. And they're also usually very gregarious, And they also think that their business is worth a lot more than sometimes it is. So that conversation when you're married and happy He's always like, oh, honey, we're gonna have so much money, and this is great, and the future is bright, and this business is worth $10,000,000.
Melissa Gragg [00:03:52]:
But Even when it's not a divorce, and I'm just coming in to look at it from a state planning or strategic planning, that conversation with the business owner is sometimes a hard one because because it's not worth 10,000,000. So we come into this and say, well, they must be hiding things because if it's not worth 10,000,000. They've told me it's worth 10,000,000 for years, and why isn't it? And the only thing that I can say is that a lot of times, it never was. And so you're holding on to something that you heard in the past or somebody wrote down, and that never was the situation. So you feel like you lost Something when it was never there in the 1st place. It's usually just a business owner really, like, being robust about the future. And If you're hiring somebody to come in, a lot of times we say, you know, do you really need a report? Like, can we just come in and run some numbers? Because in the long run, most people just want some number. Like, what's the booking? What what's my top value? What's my low value? And it usually does create a little bit of a range.
Melissa Gragg [00:04:55]:
Like, if that Person really thought their business was worth 10,000,000. I might come in and give a preliminary value that I just review with everybody online. Right. So we don't have any paper yet, but we review it online and maybe the value is really between 3,540,000. Right? So I have a process where I have to talk them through how we got there. But in the long run, do you really need the full Services, just to start because in a divorce, usually, that business is just one line On the statement, like, one little number in the whole scheme of all of the numbers for your divorce, But it is the most unknown number. It is the most contested number. Because, again, if I'm the business owner and I've been telling you it's worth 10,000,000 forever, And then, like and I get divorced, like, I don't want it to be worth 10,000,000.
Melissa Gragg [00:05:51]:
I want it to be right
Leah Hadley [00:05:52]:
0. Right.
Melissa Gragg [00:05:53]:
And so now I've come I've Changed my story so completely, it does seem like that's crazy, but maybe I was just A little full of it the whole time. So I think that's the hardest piece is to, like, think that there is something fishy going on. And so hiring somebody towards the beginning, like, not knowing that number, you will start to negotiate a lot of other pieces of the puzzle And not know what's gonna happen to that asset or the cash flow from it. And I think that those are the pieces that you're really trying to figure out.
Leah Hadley [00:06:30]:
It's such a good point, and I like how you really picked up on that loss that people feel. Because they have this idea in their mind around what the value is, and suddenly it it's dropped. And And they do. They feel like they lost something. Like, they've lost a ton of money just from that perception. And that can be really hard when you're going through this process and you're feeling stressed about money And you're worried about how you're gonna pay your bills going forward, you know, that can really be a scary place to be if suddenly now you're feeling like the marital estate is worth dramatically less than what you had thought it was. Well and
Melissa Gragg [00:07:07]:
I think that, again, normally, you would each Tire evaluation person. They would each do their numbers on the same business. Right? Same financials typically, but they might come up with 2 different numbers. And even if we, as, you know, financial professionals and evaluators, need to be unbiased, There's just this natural bias that's gonna come when you have a client. You'd be like, well, what is the best value? What is the Lowest value. And so when you're working with a professional that works with both of you, there really isn't Oh, let's try to make it higher for 1 party or lower for the other party. And it's this implicit bias. Right? You have this person that's like, If if we don't get a high value, I'm gonna get nothing.
Melissa Gragg [00:07:53]:
You know? Like, it's not that you're intentionally doing it. It's that divorce is so emotional that you could get caught up, And you don't see some of the implicit bias. Right? Now I've been doing this for 20 years, so I kind of have, you know, created my boundaries so that I'm not biased. But the best way, I think, for a couple to really get out of that is to work together and to work to get and you could probably talk To any evaluator around the country and say, would you work with both of us? And they could either say yes or no. Now it's not an easy process. Right? You still have to deal with with kind of I am usually defending my value to both people. Right? And they're both kind of mildly sat with me because it's like, well, that's too low and that's too high. But it's a re it it's almost like I've said in the past.
Melissa Gragg [00:08:44]:
You know, if both of you are mildly Unhappy? I probably got it exactly right. Right? That's the hard truth. And so but I think in the conversation when working with both of them, if the value doesn't come at 10,000,000 and that spouse is like, why is it not 10,000,000? The conversation of why it's not at 10,000,000 is a great conversation to have in front of both people because it's not your spouse saying it's not 10,000,000. It's me saying it's not 10,000,000. Right. And usually, I have to just, like, say, well, you only had revenue of $1,000,000, And and it's not worth 10 you know, like, you sometimes it's very clear, but if it's not Clear. It's gonna be better coming from a third party where you can ask questions, not from your spouse or not from your spouse's attorney or your spouse's expert, And definitely not from your accountant. I think that that's sometimes where we will go and be like, hey, accountant.
Melissa Gragg [00:09:42]:
You've been working with us for a long time. You know, what's the value of this, or how do we split these things up? And that's usually a misaligned connection as well. So, you know, divorce is the twilight zone, and it's a whole different universe. And so you have to have people that understand Valuation in the context of divorce, because our valuation rules don't exist in the twilight zone. We have to Incorporate the divorce rules for each state, and and it gets a little bit more complicated. But I think that In in essence, working with 1 valuator. And I tell people, what if that valuator comes back and says a number that you don't like Or it just doesn't make sense and you never felt comfortable. At all times, can you go hire a second person? And you can always get a second opinion.
Melissa Gragg [00:10:35]:
But why start out with 2 opinions that you're just fighting about? Like, why not start with 1? And especially if your spouse Is willing to go down that path? Start with 1. Get some of the information known, and then you can always Choose to have somebody come in and review it. Like, I've done that before. If they already had Evaluator and they're just like, I don't think that this person knows what they're doing, I would say, well, let them finish. Let's get whatever the product is, and then let's review it. It might only take me 3 to 5 hours or less to review something, and we don't have to do the work again. And, oh, well, he got it wrong, but he got it wrong by 200,000 Or 20,000 or 5,000. You know? Like, let's see.
Melissa Gragg [00:11:24]:
And then I'm your sanity check to the other valuator. So there's a lot there there's a lot of ways, and and I think it's about cutting costs. I don't think you ever the only reason why you would pay for 2 valuations is to fight That's it. Think better I think willing to take it to court.
Leah Hadley [00:11:42]:
And I think it's such a good point, though, But a lot of times, people don't even know what to ask the evaluator. And having somebody go through it like, I don't do business evaluation, But I will go through evaluation report and give the clients questions that they can ask the evaluator because they don't necessarily know. They don't necessarily understand The various approaches to valuation and just feeling like you are empowered to be involved with that valuation process. It's not just, Here, Melissa, can you take my business and value it, but let me understand the process, educate me on how you determine the value So I can feel confident. I can trust that value, and I can move forward knowing that I understand that piece of it. Right? Absolutely. Well, and and
Melissa Gragg [00:12:28]:
I think it's understanding what, you know, like, my process is a little unique in in Most of our benefit or our value is in the discovery process. And so when we're working for both people, We are actively getting all of the financial documents that everybody can look at. There's very much transparency in the communication, And there's transparency in who can look at the documents. I even encourage, like, if you need somebody else to help you look at those documents, If you need somebody there to to support you, you know, that because they understand financials. It's it's having that guidance and and capability. But what we do is we walk through the history and we walk through the assumptions. And this were it's a it's a better Situation when with partners, but, basically, I'm going to over communicate what I see in the historical financials So that that 1 spouse that's not in there understands what's really happening. And then I'm gonna ask questions about the things, The items that move the needle in the valuation.
Melissa Gragg [00:13:39]:
Right? Not everything is important. There's probably 5 to 10 things that are hyper important, and if those are are there, nothing else matters. Right? And so it's really trying to get everybody on the same page before I allow them to see the impact on the valuation. And so if we all agree to this, if we all agree to the ingredients we're gonna use to make this cake, Then we've agreed if it's going to be chocolate or vanilla. We've agreed if it's gonna be sugary or salty. Right? We've agreed to some of these things. If if You thought it was gonna be chocolate, and you thought it was gonna be vanilla, and we didn't talk about that, and I just pop out a number to you? You're gonna be like, woah. I thought we were eating chocolate cake, and we're not.
Melissa Gragg [00:14:27]:
So it's really going back and saying, does everybody understand the history? Does everybody understand where we're gonna be in the future? And you will have the business owner will try to make it doomsday. Right? But I am there to prevent that. I am there as to protect both of them from themselves, basically. Right? I am there. And and what I tell people is, if I tell you a value and you take the same financial data to somebody else, And they come up with a drastically different value. That's my reputation. Right? So I usually want anything that I produce To be able to be replicatable, but also to be able to be viewed by an experienced valuation person, and they would say Not that it's right or wrong because nobody would ever say it's right or wrong, but they would say it's reasonable. I've made reasonable assumptions, And I get the party's buy in.
Melissa Gragg [00:15:28]:
I get them to understand it before I show them the number. And then when the number Has shown, it should almost be like, oh, okay. That's what the number is. There is no discussion of like, Oh, well, you got this input wrong. No. That should have been already discussed, and we will belabor it. Like, for example, for the valuation of a law firm. Okay.
Melissa Gragg [00:15:51]:
One of the biggest things is the accounts receivable. Mhmm. And sometimes that's never booked. And sometimes it's booked, and it's never Shut down. Right? So you could have an accounts receivable that literally is, like, 10 years of their receivables, but they never wrote them down Because it's just a calculation. It's just a cash like, they don't even care about it. So now you get divorced and you have this $12,000,000 Accounts receivable, and you're like, oh my gosh. And they're like, no.
Melissa Gragg [00:16:17]:
No. No. No. That's our accounts receivable for the entire entire 12 years. Right? So it's very much and and I think when when people see numbers, they're like, oh, this number means I'm getting $6,000,000. Right? So I'm really there to be like, no. That's not what that number means and start to kind of lower not lower expectations, but align the expectations with reality. And if it doesn't make sense, then we ask more questions.
Melissa Gragg [00:16:46]:
If it doesn't make sense, we get more information. If we really have identified that that person is being Untrustworthy or, you know, hiding things, then odds are they're gonna exit that Situate you know, like, they're going to want to get out of working with us when we identify, that something like that has happened, when the when the books don't make sense. You know? Because we are looking for things that don't make sense. We do usually have people that are like, well, they could have been hiding money or they could have been spending it on somebody else. You know, like, we do a short look at that. We're not we're not hyper looking at that, but we're certainly addressing your concerns And maybe getting additional documentation like business bank account information saying, hey. Why don't you guys look through that And see because you're gonna recognize names and places more than I am. And if you have a question about it, let's have that Question when we have our business valuation meetings.
Melissa Gragg [00:17:46]:
But I'm not gonna go look for ways that somebody is doing things wrong, But I'll get the documents so that you and your team can look at that, if that makes sense.
Leah Hadley [00:17:56]:
It does. And I so appreciate How much education it sounds like you do with your clients, Melissa? Because I know that all professionals do not do that level of education with their clients around the business valuation. So what should people be looking for when they are hiring an expert for their case? Okay. Hiring an expert, you you want somebody that can testify or that has testified in court and usually has a good track record. But what
Melissa Gragg [00:18:24]:
you're also hoping is that they have some sort of alternative dispute resolution options. And that could be mediation. That could be you know, arbitration is still an option, but typically not for divorce. But mediation or collaborative or, you know, finding professionals that align with where you are in the process. So, again, if you're at the beginning, usually, that's when you hire hire a valuation person. We give you the number, and then you go and you negotiate the rest of it. Some of the pieces that we also do, though, is that we then help them negotiate all of it because a lot of that is then uncovering Other issues in the other financial areas. And so, you know, does the person have the capability to do both? Or are you looking at 2 different people? Right? So I think identifying somebody who is very upfront with their capabilities, and their experience is helpful.
Melissa Gragg [00:19:29]:
I don't know a lot of valuation people that like To work in divorce and like to work with both people because it is very much a kind of Communication, mediation, you know, you're dealing with personalities. Sometimes the attorneys are not With me you know, like, I'm just a lot of times, the attorneys are just like, here. You deal with the couple, and when you're done, send them back to us. So I would ask questions. I would have both of you could talk to the person. You know, if you know that there's some sort of major financial issue like an inheritance, like, You know, he believes that he started this business with his own money before the marriage, and that's a significant issue. I think you need to ask The person do they have the capabilities to deal with that issue? Again, people could not be truthful with you. I also would reach out to people who are active In social.
Melissa Gragg [00:20:28]:
And I know that seems crazy, but it takes a lot for us to put ourselves out there and to talk about very complex financial matters And to tell people how we're doing it. And so I think that somebody who is actively putting themselves out there is your first, You know, and and what is their personality? Because you might be dealing like, I deal with clients for a few months. I bring in other professionals. You know? So I think talking to them and then everything is state specific. So from a financial perspective, we can work in most states, right, as long as we understand the nuances of the state. But if I had an Ohio case, I would maybe reach out to Leah and say, hey, Leah. Like, what do you know about is there any unique financial things going on? Or, you know, do the courts look at any way look at assets in a certain way. Right? For example, People like, 2nd divorces.
Melissa Gragg [00:21:28]:
I know it's it's hard, but, like, 2nd marriage divorces or gray divorces, you know, you may have an asset that was, separate. You know, you may have premarital agreements. You may have all of these things in. So having somebody have a depth of knowledge about more complex financial matters is going to be helpful or resources to pull in other team members. But, yeah, I think you have to vet Vet them and and maybe I don't most people won't give you a sample, but I think just understanding that they have some consistency. And for the most part when people are not successful in this line of work, they stop doing it because it is very difficult. Now if you find If you start with mediation and you are like, well, we'll figure out if we if we pop out of it, and you hire somebody that doesn't Go to trial, like, if I work with a couple, I will follow the valuation to trial. Now what does that mean? It means that I don't care if you guys like it or don't like it.
Melissa Gragg [00:22:44]:
My role is for the court. I am to educate the court and to give everybody a basis to To value this asset. And so I will follow it if 1 person is like and that usually protects the outspouse or the or the non business owner. They get the valuation. They get an expert that can take it to court, but I'm not there to fight it. I'm just there to support what I provided to the couple, and I think that's a little bit different.
Leah Hadley [00:23:11]:
It definitely is. There's no question about it, and super helpful for sure. And one of the other things that I like about the way you work with people, Melissa, is it's not just giving them a number, but you're really able to support them well beyond that number in helping them understand options for the business going forward. A lot of times when people are going into this, they They don't even know what options exist. Right? What are they gonna do? They're either gonna come up with the money or they're gonna sell the business or you know? But they don't know that there is a whole range of options. So I'm curious if you have some tips for our audience around negotiating the options when it comes to the business.
Melissa Gragg [00:23:49]:
Well, For the business, you're you're gonna have 2 issues. 1 is if the business is worth $2,000,000, it sits On your personal balance sheet, it sits on what you have. Right? You have a business and it says 2,000,000. But one of it and you have to split that or 1 person who keeps it. The issue typically is that that business is also creating income. And in a lot of states, In a divorce, anything that happens after the date of divorce is you don't you don't get. Right? So that's future earnings or that's Future revenue or there's future whatever. But the reality is part of what makes the business value is that future revenue.
Melissa Gragg [00:24:32]:
And so that's part of the valuation. But it's also, like, well, we had all of our insurance through there. Well, you know, we were using that To, have other ways to expense, you know, our cell phone and our office and things like that. So when you're coming in and and for the most part, a court is gonna want one of you to keep that business or not. And that usually then creates something that has cash flow going forward, that 1 person that can continue to have the cash flow and 1 person just gets what they get, And there's nothing else. So that's the discrepancy that people are faced with of, like, well, this doesn't this doesn't seem FAIR. This doesn't seem reasonable. I don't like FAIR because I think it's the f word, but because nobody really cares about FAIR.
Melissa Gragg [00:25:20]:
They care about reasonable. They care about you know, do you is this going to be something that you guys can continue with? In some cases, if a lot of the value is just in, you know, like, People who are making it big as personalities. Right? Part of the income that's coming off of their Instagram or YouTube or whatever, It like, we don't know how long it'll last. Right? So it's just kind of continuing for right now, and it could exponentially go higher or it could stop. In that kind of case, if you have 2 people that maybe contributed to that, even if the court is gonna wanna force 1 of you to keep it, there may be a way that you guys can agree to share that income for a certain time period. Maybe that means that 1 person Still is the owner and 1 person is not the owner. Maybe that means that there's a buyout, and I say buyout loosely, because that's not totally how it works, you know, but maybe there is a property settlement and you receive some money. Maybe there's some You know, that's the way of maintenance or alimony is to split that business and the income.
Melissa Gragg [00:26:34]:
And and maybe, You know, like, we have some people who have done, small business loans, SBA loans as a family business, and those are 10 year loans. And we're in year 2, and they say, hey. Can you get my spouse off of there? No. No. I can't. And, Probably nobody can. Right? So it's it's understanding that, like, okay. If that's the issue and I'm gonna have to stay on this loan, Should I still be benefiting from the income? Can I still be an employee? You know, is that is that really Correct.
Melissa Gragg [00:27:11]:
Like, am I doing something? Is this accounting? You know? Am I defrauding the government kind of situation? Am I is the IRS okay? So you're You're walking through, like, well, maybe I could be an employee. Maybe then I could have health insurance. Maybe then I can have my cell phone. Maybe then you know? But can we work together? Right. The court is always concerned that if you can't stay together as a couple, can you stay together as working? So Sometimes it could be that you're gonna be removed from it, but we're gonna have ways that you share in that cash flow. And so I think it's kind of The businesses usually do create these these roadblocks that sometimes we cannot get over, and it it forces us to have creative ideas. The court never has creative ideas. The court's creative idea is to sell it.
Melissa Gragg [00:28:02]:
And that is the most idea when you have a small business that's literally funding the family, the concept of selling it is not gonna be beneficial to anybody. So it's it's like they don't have a good solution in the court, but they also don't have any good options. Right? And they're they'll do that for anything. Oh, you guys, Like, right now, we have a a case where both people want the house, and the judge says, fine. We'll sell it. And we're like, no. No. No.
Melissa Gragg [00:28:29]:
No. No. No. No. That's not a good option. Right? So you are in charge, and that's where I think, you know, going about this in a very informed Process is that if you guys work with somebody and you have a situation that just is not gonna be fixed by the court, Then you have to pop it out to professionals that can help you fix it. And you might have to find a divorce attorney that, a lot helps you because you still have to go into the court typically and then Tell them what you decided, and the court can say that that's unconscionable. The court could say that's not fair or that's not reasonable.
Melissa Gragg [00:29:10]:
And so you're you're trying to show something that makes sense, but that is also not uniquely biased to 1 person.
Leah Hadley [00:29:21]:
Yeah. It's it's such an important point. And so often, especially when it Comes to this business valuation and the unknown of what could happen with the business, people aren't taking the time to fully understand what all of their options should are. And that's really what intentional divorce is all about. It's about being informed, being educated, and being empowered to make those decisions In a way that you do get a reasonable solution that, like you said, Melissa, a lot of times selling it is just not a great option for anybody involved. And so coming up with something that is at least reasonable that's gonna work for everybody is so so important, for these family businesses. So you are such a great resource for people, Melissa. How can they find you?
Melissa Gragg [00:30:08]:
Well, we have been, building up Kind of our online community with valuation mediation.com. And it's really a broader resource that, you know, we have Leah As, you know, a preferred professional as well, but it's really trying to pull together people that are all working in the same concept that there's no right or wrong way to do this. But I will say more often than not, the value for a family business is lower than everybody believes it is. And that is the difficult part is that, you know, we are trying to figure out how to make this work. The cash flow usually always works for the family, But then splitting it or doing other things is where it gets complicated. But reach out. A lot of times, we offer, You know, well, not a lot of times. We we offer, you know, a free consultation basically to talk about your situation.
Melissa Gragg [00:31:06]:
Because we do so much in litigation, mediation, and other realms, it's really making sure that we're a good fit for you, or and I think at any point, if you could get the I usually encourage the business owner or the spouse to get the business owner Call me, because I talk the talk. And if they understand that I'm really there to protect everybody In that and that making it an educated decision, right, then I think everybody feels more comfortable. Because most part, they just wanna know that number, and they wanna know that it's fair for everyone. Because even if they don't get along totally, they don't necessarily wanna screw the other person over. They're trying to figure out how to co parent. They're aware that most of the income is coming from here. How do we split it? How do we make both of us safe and secure going forward? You know, so that kind of conversation happens, and it's really you know, I also encourage people that a lot of financial professionals work online. You know? So if you find right people, you know, if Leah's the right person, work with Leah.
Melissa Gragg [00:32:15]:
She'll tell you whether she knows that state's rules, but a lot of financial things don't you know, business valuations kind of span all states. Right. We're really looking at it from a financial concept. But they can reach out to me on valuation mediation, sign up for an appointment, And then we'll talk through and we'll say what does it look like. A lot of what I'm doing is trying to do things, cheaper and more efficient, which means Reviewing it online, which means doing a we call it a reality check. Like, do you wanna do a whole big valuation for, like, 10.15 grand? No. Do you wanna pay a couple grand to get a reality check? Yeah. Maybe.
Melissa Gragg [00:32:56]:
And then If you need something more to produce to the court, right, because you both have agreed, right, then let's produce something that enunciates the decision As opposed to just producing these drafts that can be used against you. So I don't allow you to use me against Each other. And I think that you have to have ways to protect yourself in that space. But, definitely, And start to educate yourself. Right? You know, start to educate yourself on some of these business valuation concepts. Like, you don't want To be the the least experienced in the room, but also you you'll never know enough. You know, so getting the right professional that is basically telling you, if I see something, I'm going to tell everybody I saw it. And I'm gonna ask questions about why, like, why it's in there, and then we're going to figure out how to deal with it.
Melissa Gragg [00:33:53]:
But we're not just gonna ignore it, You know, the elephant in the room. We're actually gonna invite it to the table and and sit down and have a meal. So that is sometimes uncomfortable if we have been Keeping things from each other in the past. So I bring everything to the light.
Leah Hadley [00:34:11]:
Yeah. Such a good point. Melissa, thank you again for taking the time to share your wisdom with us today. It was such a pleasure talking with you, and hopefully, we will talk again soon.
Melissa Gragg [00:34:22]:
Yes. Thank you so much, Leah.
Leah Hadley [00:34:24]:
Thank you for joining me on intentional divorce insights. It's a privilege to share this time with you. I hope each episode offers valuable guidance to navigate your journey. If you find our content helpful, please leave a review to help others over the benefits of intentional decision making in divorce. Until next time, Take care and continue to embrace your path with intention.
