DIVORCE FINANCIAL PLANNING
Clarity, confidence, and informed decisions when finances feel overwhelming
Divorce brings financial questions that can feel confusing, emotional, and high-stakes. Divorce Financial Planning helps you understand the full financial picture of your separation so you can make thoughtful, realistic decisions for both your present and your future.
When working with a Certified Divorce Financial Analyst (CDFA®) as part of mediation, finances are addressed collaboratively, not adversarially, with a focus on understanding options, tradeoffs, and long-term impact.
Divorce financial planning is a specialized process that helps couples
understand and organize the financial aspects of divorce, including:
Support and Communication
The financial aspects of divorce can be
overwhelming and uncertain. A CDFATM is an
expert advocate to support you and help you feel
confident sitting at the negotiation table.
Retirement Accounts
How can retirement accounts and pensions be
divided? How are pensions valued when looking
at the full financial picture?
Bank Accounts and Investments
Checking and savings accounts, money
markets, CD’s, brokerage accounts, health
savings plans, crypto-currency, Paypal
balances - they can all count as marital assets.
Credit Cards and Loans
Just like assets, any credit cards, car loans, student
loans, home and home equity loans, personal
loans, lines of credt can all count as marital debt.
Medical
Who will provide insurance for the children?
Who pays for out of pocket medical, dental, and
vision costs for the children?
Tax Implications
What are the tax implications of your settlement
agreement? The only thing worse than paying
taxes is being surprised by a tax bill.
Education
How much will college cost? Who will pay for
the children’s education after the divorce?
The House
Who will stay in the marital home? What does
refinancing look like - is it affordable? Is a
refinance or assumption even possible?
Life Insurance
What happens to child support or spousal
maintenance if an ex-spouse passes away?
Should you make your kids your beneficiaries?
Settlement Evaluation
You have received an offer - but what does it
really mean? In the big picture, when the divorce
is over, will you be ok financially?