MARGARET BELL VS. RICHARD C. KLEIN(L-3121-12, CAMDEN COUNTY AND STATEWIDE) ( 2017 )


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  •                         NOT FOR PUBLICATION WITHOUT THE
    APPROVAL OF THE APPELLATE DIVISION
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    parties in the case and its use in other cases is limited. R.1:36-3.
    SUPERIOR COURT OF NEW JERSEY
    APPELLATE DIVISION
    DOCKET NO. A-3523-14T3
    MARGARET BELL,
    Plaintiff-Appellant,
    v.
    RICHARD C. KLEIN, ESQUIRE,
    RICHARD C. KLEIN, P.C., and
    SPECTOR, GADON & ROSEN,
    Defendants-Respondents.
    _________________________________
    Argued December 13, 2016 – Decided           July 11, 2017
    Before Judges Messano, Suter and Guadagno.
    On appeal from New Jersey Superior Court, Law
    Division, Camden County, Docket No. L-3121-
    12.
    Colleen Flynn Cyphers argued the cause for
    appellant (Levin Cyphers, attorneys; Ms.
    Cyphers, on the briefs).
    Jason S. Feinstein argued the cause for
    respondents   (Eckert,  Seamans,   Cherin   &
    Mellott, L.L.C., attorneys; Mr. Feinstein, of
    counsel and on the brief).
    PER CURIAM
    Plaintiff Margaret Bell appeals the February 26, 2015 summary
    judgment order, which dismissed her claims of legal malpractice
    against defendants Richard C. Klein, Esq., Richard C. Klein, P.C.
    (P.C.),    and   Spector,   Gadon   &   Rosen      (SGR)     (collectively,     the
    defendants).     We affirm in part, reverse in part and remand.
    I.
    Bell   retained    Klein   and   his      P.C.   in   September   2005    to
    represent her in a divorce action filed by her husband, Michael
    Bell (husband).          Klein continued to represent            Bell after he
    dissolved his P.C. on December 31, 2005 and became employed by
    SGR.
    Bell and her husband were married for sixteen years.                      He
    worked full-time in a family-owned business.                 She was employed in
    the last few years of the marriage part-time as a realtor.                      The
    divorce involved two parcels of real estate: the marital home in
    New Jersey and another property solely in Bell's name in Florida.
    A pendente lite order provided that Bell was to receive unallocated
    support of $600 per week. Her husband was to pay certain household
    expenses such as the mortgage, insurance and utilities on the
    marital home, and Bell's car payment.1
    The couple was divorced by Dual Final Judgment of Divorce
    with Stipulations (Final Judgment) on February 26, 2007.                        The
    Final Judgment included their settlement agreement, and was signed
    1
    This order was not included in the record.
    2                                 A-3523-14T3
    by   both   parties   and    their   counsel.   The   parties   were   both
    questioned under oath about their willingness to voluntarily enter
    into the settlement.         For her part, Bell acknowledged she was
    entering into the agreement freely and voluntarily and without
    coercion.
    KLEIN:     Thank you. Now, you understand that
    this is an agreement that both of
    you must be bound by and it is going
    to become an order of the Court,
    correct.
    BELL:      Yes.
    KLEIN:     All right, and you certainly intend
    to be bound by this agreement,
    correct.
    BELL:      Yes, I intend - -
    KLEIN:     Okay.
    BELL:       - - everything I said here.
    . . . .
    KLEIN:     As you sit here today are you under
    the influence of any substance,
    medication, that would impair your
    ability    to   understand    these
    proceedings?
    BELL:      No.
    KLEIN:     Okay.   And do you understand that
    [the    judge]     is   making  no
    determination    today   about the
    fairness of this agreement or the
    merits of this agreement, that all
    she is doing today is taking
    testimony      and     making    a
    3                           A-3523-14T3
    determination that each of you have
    entered    into     this    freely,
    voluntarily and willingly, is that
    correct?
    BELL:     That's correct.
    KLEIN:    Do you understand that?
    BELL:     Yes.
    KLEIN:    Okay.   And you are - - nobody's
    forcing you or coercing you to enter
    into this agreement, correct? You
    had questions about it, we addressed
    those questions, correct.
    BELL:     Yes.
    KLEIN:    Okay.
    BELL:     You addressed them.
    The trial judge found the parties "entered into the agreement
    voluntarily and intended to be fully bound by it."
    The settlement had been achieved two weeks earlier following
    a two-day, non-binding arbitration before a retired judge, who was
    well-versed in matrimonial law.     Klein had submitted a lengthy
    memorandum to the arbitrator in advance that addressed alimony,
    real estate, equitable distribution and counsel fees.
    The Final Judgment provided for permanent alimony of $800 per
    week.   Bell's husband was required to secure the alimony by
    maintaining life insurance with a face amount of $300,000 that
    would be reduced by $50,000 every five years.   The Final Judgment
    4                          A-3523-14T3
    referenced two earlier agreements signed during the marriage.        One
    agreement from 2000 was allegedly drafted by Klein.         The second
    "Indemnification and Hold Harmless Agreement," drafted by another
    lawyer not involved here, purportedly required Bell's husband to
    be responsible for past due federal income taxes, and he allegedly
    waived any rights to equitable distribution or possession of the
    premises.2   The   Final    Judgment   provided   the   indemnification
    agreements "shall be and are hereby declared unenforceable . . .
    past, present or future."
    The Final Judgment addressed equitable distribution.            The
    Florida home had been sold and a portion of the net proceeds after
    payment of mortgages, taxes and commissions were placed in escrow.
    The marital home was in foreclosure, having both a mortgage and
    home equity line of credit.    Under the Final Judgment, Bell could
    refinance the property or the property would be sold.         If sold,
    paragraph five of the Final Judgment described various deductions
    and credits from any resulting equity, the net balance of which
    was to be paid by Bell to her husband.            "[U]npaid direct and
    indirect support" of $17,500 was to be deducted from the net
    equity.
    2
    These agreements (the indemnification agreements) are not part
    of the record on appeal.
    5                             A-3523-14T3
    The parties were "equally responsible" for federal income
    taxes under the Final Judgment although Bell's husband agreed to
    be solely responsible for unpaid New Jersey income taxes.        The
    Final Judgment required each party to maintain life insurance for
    their child's benefit.     Each party was responsible for their
    attorney's fees.   The parties agreed the Final Judgment was "final
    and binding," entered into "voluntarily" without "force, coercion
    and/or duress," was a "compromise" of their claims, and was "fair,
    adequate and satisfactory."
    SGR sued Bell in September 2007 for unpaid attorney's fees.
    Bell filed a counterclaim against SGR and a third-party complaint
    against Klein and P.C., alleging legal malpractice (the 2007
    complaint).   The 2007 complaint alleged that Klein, P.C. and SGR
    deviated from "customary standards and practices of lawyers" by
    not acting in her best interests; by forcing her under duress to
    sign the settlement agreement; by not conducting discovery prior
    to settling the case; by not enforcing the earlier indemnification
    agreements; by not enforcing the pendente lite support order and
    by not using monies held in the attorney's escrow to pay her
    delinquent mortgage and taxes, as Klein allegedly promised.
    In March 2010, Bell voluntarily dismissed the 2007 complaint
    without prejudice.   This dismissal did not conform with Rule 4:37-
    1(a).   Bell's counsel explained to the court that as a result of
    6                          A-3523-14T3
    post-trial motions, specifically one decided on February 19, 2010,
    which   allegedly   involved      a    negative    interpretation      of    the
    settlement agreement, Bell could not "raise the additional claim
    of negligence and damages as part of this action" because discovery
    was closed and thus, needed to dismiss the legal malpractice
    complaint   to   assert    such   claims.         Bell   then    accepted    the
    defendants'   $30,000     Offer   of   Judgment,     which      dismissed   with
    prejudice the attorney's fee portion of the case.               The malpractice
    claim remained dismissed (voluntarily) without prejudice.
    Bell filed another legal malpractice complaint in May 2012
    (the 2012 complaint).3     The 2012 complaint was similar to the 2007
    action, naming Klein, his P.C. and SGR as defendants.                   In the
    complaint, Bell alleged Klein failed to enforce the pendente lite
    order for support; did not file motions to amend her visitation
    rights; improperly distributed monies from the sale of the Florida
    house to her husband; did not enforce the earlier indemnification
    agreements; did not pay her mortgage arrears or property taxes as
    agreed; did not conduct discovery about her husband's income; and
    presented her with the settlement agreement just before going on
    the record in court, without the ability to review it, and that
    3
    In the interim, we decided a post-divorce judgment appeal, where
    we rejected a request by Bell's ex-husband to reduce or terminate
    alimony, but we remanded the case for a recalculation of attorney's
    fees. Bell v. Bell, No. A-4003-10 (App. Div. June 1, 2012).
    7                                A-3523-14T3
    it included terms with which she did not agree. The 2012 complaint
    alleged the Final Judgment required her to pay 100% of the equity
    from the marital home to her husband; 100% of the capital gains
    tax on the Florida home; and part of the federal income tax
    arrears.     It did not include a clause requiring her husband to pay
    past   due   support   payments   or   to   pay   the   mortgage,   taxes   or
    utilities on either home.         Bell objected to the alimony amount,
    contending it was based on inaccurate income figures.               She also
    complained about certain allegedly inappropriate comments Klein
    made to her.      The 2012 complaint did not make any reference to
    post-judgment motions.
    Defendants filed a motion to dismiss the 2012 complaint,
    alleging that because the 2007 complaint had been withdrawn in
    violation of Rule 4:37-1(a), Bell should not be able to relitigate
    the same issues.       In April 2013, the motion judge denied the
    motion, but ordered Bell to pay defendants' litigation costs
    arising from the 2007 complaint in sixty days or the 2012 complaint
    would be dismissed with prejudice.          Bell paid $11,283.20 and the
    2012 complaint was reinstated in October 2013.
    Bell retained the same individual as an expert witness that
    she utilized in connection with the 2007 complaint.             The October
    23, 2014 report of Cary Cheifetz, Esq. (Cheifetz) identified six
    different "deviations" from "accepted standards of practice" that
    8                             A-3523-14T3
    constituted legal malpractice by defendants.          The first deviation
    concerned the failure to incorporate into the settlement agreement
    the indemnification agreements, which allocated tax liabilities
    in Bell's favor.       Klein allegedly did not aggressively seek
    enforcement of those agreements, which were not "mid-marriage"
    agreements    according    to      Cheifetz,    but    enforceable       "tax
    indemnification     agreements."      Klein    allegedly    deviated     from
    accepted practice because there was no "downside exposure" to
    trying to enforce the agreements, and Klein should have sought a
    compromise or a ruling on their enforceability.            Cheifetz opined
    that Bell's damages constituted one-half the equity in the marital
    home and the income tax liabilities she had paid.
    The   second   deviation   concerned      alimony.     The   "material
    deviation" was that Klein "used an insufficient income stream for
    [husband] in calculating the alimony for his client."             He should
    have retained a "forensic accountant and [conducted] discovery,"
    which should have included inquiry into the family-run books and
    records.   Cheifetz asserted that Klein "settled the case far below
    his client's worst case scenario."       Cheifetz opined that Bell was
    damaged through lost alimony of $35,950 per year.           Cheifetz also
    took issue with the income that had been used for Bell in the
    alimony calculation.
    9                               A-3523-14T3
    The third alleged deviation was Klein's failure to collect
    the pendente lite arrears for the mortgages, taxes and capital
    gains,     which    should   have   been       collected      at   the    time   of   the
    settlement.
    The fourth alleged deviation involved the improper drafting
    of   the    settlement       agreement,        which    required         "post-judgment
    litigation     as    well    as   the    employment      of    a   certified      public
    accountant" to implement the agreement.                 Cheifetz found paragraph
    five's     formula,      which      he    asserted       spawned         post-judgment
    litigation, to be "incomprehensible."                  Cheifetz alleged the lack
    of clarity resulted in unspecified damages.
    The fifth deviation alleged that Klein had a conflict of
    interest because of his purported involvement in drafting the 2000
    indemnification agreement.          Cheifetz opined that had Klein pressed
    for a trial, he could not have testified because of his conflict.
    This gave the other side "an unfair negotiation advantage" that
    damaged Bell.
    The      sixth     deviation        addressed       miscellaneous           issues.
    Cheifetz alleged there was no need for Bell to have life insurance
    for her daughter's benefit.              He asserted the $300,000 insurance
    that her husband was required to purchase was not adequate to
    secure the alimony and the $50,000 stepdown added to the problem.
    Cheifetz alleged Klein deviated from the standard of care when he
    10                                     A-3523-14T3
    failed to pay Bell's mortgage and taxes as promised.    Klein also
    was alleged to be rude and disrespectful contrary to the Rules of
    Professional Conduct.
    Cheifetz concluded that the "settlement agreement deviate[d]
    materially from the reasonable expectations that a client would
    expect to receive if they were represented by competent counsel."
    He opined the settlement was, "as a whole," plaintiff's "worst
    case scenario with no consideration for compromise."   The "alimony
    issue" was settled "far below" the worst case.   Acceptance of the
    settlement was "incompetent."     He opined that Klein committed
    legal malpractice by advising his client to settle the case instead
    of trying it where she would have received more in alimony and
    equitable distribution.    In addition, Cheifetz concluded Bell
    incurred costs arising post-judgment that she "would not have
    incurred."4
    Defendants' summary judgment motion in October 2014 alleged
    that the 2012 complaint was barred by the entire controversy
    doctrine and constituted fraud upon the court, because the case
    had been dismissed with prejudice in 2010, and Bell now was making
    the same allegations.   Defendants alleged that Cheifetz's expert
    4
    Defendants retained an expert in 2009, whose report is in the
    record. We do not know if that report was updated for the 2012
    litigation.
    11                          A-3523-14T3
    report offered only inadmissible net opinions.           Defendants alleged
    Bell should be judicially estopped because she agreed to the
    settlement and now was taking a contrary, inconsistent position;
    that the claims against the P.C. were time-barred, having been
    brought more than six years after the P.C. was closed; and that
    the expert report was defective because it did not allege any
    damages.
    The motion was       opposed by Bell, who alleged there were
    disputed facts.     Bell relied on Cheifetz's report about deviations
    involving   "the    improper     allocation    of   outstanding   income   tax
    liabilities, equity in the former marital residence, the amount
    of alimony recommended[,] . . . failure to collect pendente lite
    arrears [and] numerous other issues."
    On November 21, 2014, the trial judge granted partial summary
    judgment under the entire controversy doctrine and dismissed with
    prejudice "all claims [existing] on or prior to February 26, 2007."
    For claims after that, the court denied defendants' motion, but
    invited additional briefing to address whether those claims should
    be dismissed.      Both parties filed supplemental submissions.
    Bell filed a motion to reconsider the November 21, 2014 order
    and   extend   discovery    to   serve    a   supplemental   expert   report.
    Discovery was extended, which permitted the service of expert
    reports.
    12                               A-3523-14T3
    On February 20, 2015, the trial judge granted Bell's motion
    for reconsideration, explaining that Bell's claims arising before
    February 2007 could go forward based upon the prior judge's ruling.
    However, the judge then granted summary judgment to defendants,
    finding Bell's claims were judicially estopped, as "[t]he only
    evidence of any coercion is the plaintiff's own words, some two
    years after the fact.   It is a bootstrap attempt to deny what she
    said under oath."    The judge also found summary judgment was
    appropriate because Cheifetz's opinion was a net opinion, as he
    "ha[d] a personal opinion that he could have done better for
    [plaintiff] if he were the attorney."
    Bell appealed the February 26, 2015 order that dismissed her
    complaint.   Defendants have not filed a cross-appeal.    As such,
    there is no appeal of the February 20, 2015 order that granted
    reconsideration nor of the December 19, 2014 order that allowed
    Bell to serve a supplemental report by Cheifetz.5
    On appeal, Bell contends summary judgment was erroneously
    entered because there was a dispute of fact regarding her state
    of mind when she was "forced, threatened and coerced" into settling
    her matrimonial case, because Klein disputes "such threats and
    allegations of duress."   Moreover, Bell contends the trial court
    5
    A supplemental report was served which addressed the issue of
    damages.
    13                          A-3523-14T3
    erred as a matter of law in finding her expert report constituted
    a net opinion because the report was "replete with sound factual
    data," was supported by "legal foundation and citations," and
    explained the legal "deviations from the standard of care."            Bell
    contends that post-judgment litigation regarding the equity from
    the marital home provided an independent basis to continue this
    malpractice   litigation,   despite   the   dismissal   of   the   earlier
    litigation, because that issue arose after dismissal of the earlier
    case.
    II.
    We review a trial court's order granting or denying summary
    judgment under the same standard employed by the trial court.
    W.J.A. v. D.A., 
    210 N.J. 229
    , 237 (2012).      The question is whether
    the evidence, when viewed in a light most favorable to the non-
    moving party, raises genuinely disputed issues of fact sufficient
    to warrant resolution by the trier of fact, or whether the evidence
    is so one-sided that one party must prevail as a matter of law.
    Brill v. Guardian Life Ins. Co. of Am., 
    142 N.J. 520
    , 540 (1995).
    Where there are claims of legal malpractice, "summary disposition
    is appropriate only when there is no genuine dispute of material
    fact."   Ziegelheim v. Apollo, 
    128 N.J. 250
    , 261 (1992) (citing
    Judson v. Peoples Bank & Tr. Co., 
    17 N.J. 67
    , 74 (1954)).
    14                                A-3523-14T3
    The trial judge dismissed the malpractice complaint on two
    grounds, namely that Bell was judicially estopped from raising the
    claims, and that her expert's report constituted a net opinion.
    We agree Bell is judicially estopped from raising certain claims,
    but not others.        We do not agree that Bell's expert offered net
    opinions on the remaining claims.
    A.
    "Public     policy      favors     the     settlement           of   disputes."
    Willingboro Mall, Ltd. v. 240/242 Franklin Ave. L.L.C., 
    215 N.J. 242
    , 253 (2013).       See also Gere v. Louis, 
    209 N.J. 486
    , 500 (2012)
    (noting   "New   Jersey's     strong       public    policy     in    favor    of   the
    settlement of litigation").        We also acknowledge a "'strong public
    policy    favoring     stability      of     arrangements'       in       matrimonial
    matters."      Quinn    v.   Quinn,    
    225 N.J. 34
    ,   44    (2016)       (quoting
    Konzelman v. Konzelman, 
    158 N.J. 185
    , 193 (1999)).
    That said, "lawyers owe a duty to their clients to provide
    their services with reasonable knowledge, skill, and diligence.
    Ziegelheim, 
    supra,
     
    128 N.J. at 260
    .            Necessary steps in the proper
    handling of the case "will include, among other things, a careful
    investigation of the facts of the matter, the formulation of a
    legal    strategy,     the   filing    of     appropriate       papers,       and   the
    maintenance of communication with the client." 
    Id. at 261
    . "[T]he
    Court in Ziegelheim concluded that '[t]he fact that a party
    15                                      A-3523-14T3
    received a settlement that was "fair and equitable" does not mean
    necessarily that the party's attorney was competent or that the
    party would not have received a more favorable settlement had the
    party's incompetent attorney been competent.'"                Guido v. Duane
    Morris, L.L.P., 
    202 N.J. 79
    , 93 (2010) (alteration in original)
    (citations omitted).       A "lawyer is obligated to give the client
    reasonable     advice."       Ziegelheim,     
    supra,
        
    128 N.J. at 261
    .
    "[A]ttorneys who pursue reasonable strategies . . . and who render
    reasonable advice to their clients cannot be held liable for the
    failure of their strategies or for any unprofitable outcomes
    . . . ."   
    Id. at 267
    .
    "[T]he existence of a prior settlement is not a bar to the
    prosecution    of   a   legal   malpractice    claim     arising        from   such
    settlement."    Guido, 
    supra,
     
    202 N.J. at 94
    .          A narrow equity based
    exception to this exists "to prevent injustice by not permitting
    a party to repudiate a course of action on which another party has
    relied to his detriment."       
    Ibid.
     (quoting Knorr v. Smeal, 
    178 N.J. 169
    , 178 (2003)) (other citation omitted).           The Court applied this
    exception in Puder v. Buechel, 
    183 N.J. 428
     (2005), where the
    client's     malpractice   claim    was     barred     because     the    "second
    settlement had the effect of placing [the client] in the situation
    she contended she should have occupied at the outset."                         Gere,
    
    supra,
     
    209 N.J. at 504
    .     Actions by counsel after settlement may
    16                                    A-3523-14T3
    also    form    the   basis    for     a    legal   malpractice      action.       
    Ibid.
    (finding that the malpractice claim was not barred where claims
    "revolved instead around" attorneys action after the settlement
    agreement was executed and the agreement reserved the ability to
    sue former attorney).
    Here, the trial judge erred in concluding that all of Bell's
    claims of legal malpractice were judicially estopped.                        "Judicial
    estoppel is an equitable doctrine precluding a party from asserting
    a position in a case that contradicts or is inconsistent with a
    position previously asserted by the party in the case or a related
    legal    proceeding."          Tamburelli         Props.     Ass'n   v.   Borough       of
    Cresskill, 
    308 N.J. Super. 326
    , 335 (App. Div. 1998). The doctrine
    is "meant to protect the integrity of the judicial system, designed
    to    prevent    litigants      from       'playing   fast    and    loose   with     the
    courts.'"       
    Ibid.
     (quoting Scarano v. Cent. R.R. Co., 
    203 F.2d 510
    ,
    513 (3d Cir. 1953)).
    We have applied the doctrine of judicial estoppel in upholding
    the    dismissal      of   a   legal       malpractice     action    where   a    client
    voluntarily agreed to a settlement of the record, and later alleged
    she was forced to accept this settlement.                    See Newell v. Hudson,
    
    376 N.J. Super. 29
    , 46-47 (App. Div. 2005) (although agreeing with
    the settlement on the record, the client later asserted she was
    forced to agree to this to obtain a divorce).                   In Newell, we said
    17                                  A-3523-14T3
    that   such   "self-serving      behavior     is   precisely     the    type    of
    inconsistent    judicial    position-taking         that   the    doctrine      of
    judicial estoppel is designed to prevent."            
    Id. at 47
    .
    Here, the trial court was correct to judicially estop Bell's
    malpractice claim premised on duress.              Bell now alleges she was
    coerced into the settlement, yet specifically told the court when
    the settlement was placed on the record that she was not coerced.
    The settlement document itself stated that it was the final
    agreement entered into voluntarily.           She has offered no proof of
    coercion.     Her self-serving statements alone are insufficient to
    create a genuine issue of material fact to survive a summary
    judgment motion.    See generally Heyert v. Taddese, 
    431 N.J. Super. 388
     (App. Div. 2013).
    Similarly,   we   agree   with   the   trial    judge     that   judicial
    estoppel applies to Bell's claim of legal malpractice regarding
    the incomes used to determine alimony and the alleged lack of
    discovery regarding that issue.         The emails included in the record
    show that Bell was well aware her husband's income was not fully
    known prior to the arbitration.         The issue was raised by Klein in
    the arbitration memorandum presented to the arbitrator.                    Klein
    provided Bell with the names of two experts, who could perform a
    forensic accounting, but warned her of the significant costs that
    such an analysis would entail. Similar to the plaintiff in Newell,
    18                                   A-3523-14T3
    who was aware of a lack of financial information, Bell agreed to
    the settlement acknowledging that it was fair.   Having settled the
    case with knowledge of the uncertainty about her husband's income,
    Bell should be estopped from asserting a different position now.
    There was no basis, however, to conclude that Bell's legal
    malpractice claims based on drafting errors in the settlement
    agreement itself are precluded by judicial estoppel. The agreement
    appears to require that 100% of the net equity from the marital
    home was to be paid to her husband, but the arbitrator's notes
    reflect the net equity should have been divided between the
    parties.   The agreement seemed to reimburse only a portion of the
    pendente lite arrears although the arbitrator's notes tallied
    those pendente lite arrears at more than double.    Bell could not
    know when she testified in support of the settlement what problems
    might arise in the implementation of the settlement based on
    alleged drafting errors.   We are constrained to conclude the judge
    erred by preventing Bell from raising the alleged drafting errors
    in the settlement agreement as deviations from the standard of
    care.
    We cannot agree that the other alleged deviations should be
    judicially estopped by Bell's agreement to the settlement.       The
    record is simply inadequate for us to determine what advice was
    or was not given to Bell about the indemnification agreements, the
    19                          A-3523-14T3
    life insurance, the alleged conflict of interest, or the alleged
    agreement to pay the mortgage and taxes.           Therefore, we reverse
    in part the trial court's order that granted summary judgment and
    dismissed Bell's complaint in its entirety, and remand for further
    proceedings consistent with this opinion.
    B.
    We agree with Bell that the trial judge erred in determining
    Cheifetz's   report   constituted    a   net   opinion.   We    review   that
    determination under an abuse of discretion standard. Riley v.
    Keenan, 
    406 N.J. Super. 281
    , 295 (App. Div.), certif. denied, 
    200 N.J. 207
     (2009).
    A trial court must decide "whether [an] expert's opinion is
    based on facts and data."    Rosenberg v. Tavorath, 
    352 N.J. Super. 385
    , 401 (App. Div. 2002) (citations omitted).                 "N.J.R.E. 703
    requires that an expert's opinion be based on facts, data, or
    another expert's opinion, either perceived by or made known to the
    expert, at or before trial."        
    Ibid.
          An expert must be able to
    point to generally accepted objective standards or practices, not
    merely standards personal to them.        Koruba v. A. Honda Motor Co.,
    
    396 N.J. Super. 517
    , 526 (App. Div. 2007), certif. denied, 
    194 N.J. 272
     (2008). "Under the 'net opinion' rule, an opinion lacking
    in such foundation and consisting of bare conclusions unsupported
    20                               A-3523-14T3
    by factual evidence is inadmissible."                    Rosenberg, 
    supra,
     352 N.J.
    at 401 (citations omitted).
    Cheifetz opined, based upon case authority, that accepted
    standards     required     Klein          to        recognize    the    indemnification
    agreements were enforceable.6              Klein took the same position in the
    arbitration memorandum.              Having retreated from that position,
    Cheifetz opined the settlement agreement was below what reasonably
    could have been expected.            Cheifetz quantified the alleged damages
    attributable to this alleged deviation.                    We cannot say, therefore,
    that   the   opinion    was     a    mere       conclusion      based     on   a   personal
    standard.     It provided the "why and wherefore" for the conclusion.
    See State v. One Marlin Rifle, 
    319 N.J. Super. 359
    , 370 (App. Div.
    1999) ("[T]he net opinion rule requires an expert witness to give
    the why and wherefore of his expert opinion, not just a mere
    conclusion.").
    On the alleged drafting errors, the standard as alleged by
    Cheifetz     was   to   draft       the   document        to    reflect    the     parties'
    agreement.     He alleges the document varied from the agreement,
    causing Bell's equitable distribution to be below what could have
    been expected and resulting in litigation.                      This alleged deviation
    6
    We limit our discussion to the issues that survived judicial
    estoppel.
    21                                   A-3523-14T3
    was not based on Cheifetz's personal opinion, but again his report
    provided the foundation for his conclusions.
    With respect to the amount of life insurance that Bell's
    husband was required to maintain, Cheifetz explained that it would
    not be adequate to secure the alimony. He supported his conclusion
    with facts, not personal opinion.          He explained why Bell should
    not be required to obtain life insurance because there was no
    indication the child would be without support in the event of
    Bell's passing.        Therefore, we do not agree with the trial judge
    that Cheifetz's report constituted impermissible net opinions.7
    Affirmed     in    part;   reversed   in   part   and   remanded   for
    proceedings consistent with this opinion.              We do not retain
    jurisdiction.
    7
    Bell's reply brief did not contest defendants' claim that Bell
    could not proceed against P.C. because the statute of limitations
    had run. "An issue not briefed is deemed waived." W.H. Indus.,
    Inc. v. Fundicao Balancins, Ltda, 
    397 N.J. Super. 455
    , 459 (App.
    Div. 2008) (citation omitted). By not opposing the defense, Bell
    conceded it.
    22                             A-3523-14T3