For People In the Early Stages of Divorce

 Do I need a CDFA? 

Hiring a CDFA puts a financial expert, trained in the issues specific to divorce, in your corner throughout the entire divorce process.  When you hire me as your CDFA, I work to understand your needs and goals, along with the challenges and roadblocks unique to your situation.  I provide information, answer your many questions, analyze lots of data, and create a variety of projections.  We ask a lot of "what would it look like if" questions to facilitate creative problem solving.  You (and often also your soon to be ex-spouse) can make realistic, informed and less emotion-based decisions.  Decisions that will undoubtedly impact you and your new family structure.  Decisions you can live with and not regret.

I can work with you (and your attorney) in a litigated divorce.

I can work with you, your spouse, and your respective attorneys in the Collaborative Divorce Process.

I can work either way; as your advocate only, or, as the financial neutral in a mediated divorce.


Visit the IDFA (Institute for Divorce Financial Analysts) website

For Attorneys and other Divorce Professionals

If you are a family law attorney who already utilizes the services of a CDFA with your clients, you've seen how a CDFA save you time, but more importantly reduces the stress and uncertainty your clients feel making the many life-altering decisions necessary during a divorce.  When questions related to financial realities and uncertainties are addressed early on, that large source of tension, stress and conflict is reduced. Clients can move forward through the decision making process in a less emotional, more confident state, allowing everyone to focus on resolution and creating the best possible financial outcome for the new two- household family structure.

Having a financial advocate (in litigated cases) or a  financial neutral (in mediated or Collaborative cases) can help build not only acceptable, but often creative and modern financial solutions.

If you are a therapist with clients contemplating divorce, some individuals and couples find a conversation with a CDFA brings clarity at least around the financial big picture.  "Am I going to be OK?".  The truth is, divorce is expensive in many ways.

Creating Two Households Out of One

Divorce can create financial trauma. Income(s) that covered one household now cover two. Emotional tensions are high and the decisions you make throughout the divorce process impact your financial future - either positively or negatively.

Even if you think your financial situation is pretty basic, seemingly small details can have big impacts. Dividing marital property gets more complicated with each additional category:

  • A Home
  • 401(k)
  • IRA's
  • Pensions
  • Investments
  • Executive Compensation
  • Rental Property
  • Small Business
  • Vehicles
  • Collectibles, Boats, Jewelry
  • Inheritance
  • Debt
  • Pre-Marriage Assets/Debts

Add to the mix the variety of tax, legal, financial, and emotional differences that exist within each category and the complexity multiplies exponentially.  Take for example, IRA's. Most people know there are differences in taxability.  But how do you adjust and equalize if one party takes the non-taxable and the other takes the taxable?   Every decision has consequences.  How do you ensure those decisions are consistent with your post-divorce dreams and goals?



Next Steps...

Call, text or email. We'll have a conversation and you and I can discuss if my services are right for you.