In the previous decade, the risk of divorce has more than tripled for those 65 and older, according to the researchers at the Bowling Green State University’s National Center for Family & Marriage Research. Those figures don’t surprise Evelyn Zohlen, the founder of Inspired Financial in Huntington Beach, Calif. Zohlen embraces divorced clients and keeps ties with divorce lawyers who often steer her referrals of such ex-spouses.

The first year or so after a divorce occurs is a critical time for these clients to lock in possible ways to increase their retirement-income forecasts, Zohlen says.

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