Skip to Content






Divorce Financial Advisors in New York

Divorce in New York requires careful financial decisions. This includes dividing property, support payments, real estate, retirement plans, and taxes. Divorce Logic helps individuals and their attorneys understand the financial details, allowing for clear negotiations and preventing costly mistakes. Work with a CDFA-led team of divorce financial advisors serving New York clients in person and nationwide virtually.


Schedule a Consultation

Free consultation
Confidential & secure
1177 Avenue of the Americas, New York, NY 10036


The Financial Side of New York Divorce

New York divorces involve financial considerations that go well beyond a simple asset split. From equitable distribution analysis and business valuations to retirement account division and tax exposure, the financial complexity is significant. Understanding the full financial picture before negotiations begin starts with having the right analysis in place before anything is signed.

Special considerations in New York divorces

The True Cost of Keeping the House

In the New York metro area, mortgage payments, property taxes, maintenance, and co-op or condo fees can significantly affect post-divorce cash flow on a single income. We model the long-term financial impact of keeping versus selling so the decision is based on actual numbers rather than what feels right in the moment.

Statement of Net Worth and Financial Documentation

New York divorces require both spouses to complete a Statement of Net Worth covering income, expenses, assets, and liabilities. We work alongside clients to organize and review the financial documentation that supports it: tax returns, pay stubs, bank and brokerage statements, retirement account records, mortgage documents, and business financials where applicable.

Asset & Portfolio Valuation

New York real estate, from Manhattan co-ops to Westchester and Long Island properties, carries valuation and tax complexities that vary significantly by asset type, location, and ownership structure. Without an accurate picture of what each asset is truly worth, settlement decisions are made on incomplete numbers. We analyze real estate, investment portfolios, and true asset value, so every decision is based on accurate numbers.

Equitable Distribution Analysis

Identifying every asset and its true value when finances have been combined across accounts, real estate, and retirement plans requires detailed analysis. Division proposals that appear balanced may look different once taxes and long-term cash flow are considered. We model multiple scenarios, so you have a complete financial picture before anything is signed.

Income & Support Analysis

Income for spousal support purposes is not always what a pay stub or tax return shows. When compensation includes bonuses, stock options, or business distributions, a thorough financial analysis is needed to document the full picture. We provide the financial documentation needed to support informed decisions at the negotiating table.

Divorce Financial Services We Provide


Assset Division & Settlement Modeling

We evaluate every asset in the marital estate by its after tax value. A traditional 401(k) and a brokerage account with the same balance are worth different amounts once taxes apply. We run those calculations so settlement negotiations reflect real numbers. For cases involving business ownership or professional practices, our team provides business valuations in divorce that stand up to challenge.


Retirement Division & QDRO Preparation

Retirement accounts require a Qualified Domestic Relations Order to divide without triggering penalties or taxes. We identify every account that needs division, determine the correct approach, and handle QDRO preparation through our QDRO drafting services. For pensions, stock options, RSUs, or deferred compensation, we calculate present values and project future income streams.


Financial forensics

For high-asset and business-owner cases where income may not tell the full story, we provide forensic financial analysis to uncover what is not being disclosed. Deferred compensation, business distributions, inflated expenses, and transactions between related entities are all areas we examine closely so your attorney has a complete and accurate financial picture before negotiations begin.


Post Divorce Planning

After the settlement is final, the financial work is not over. We help you build a plan around your new income, updated asset base, and tax situation. That includes a budget reflecting your actual post-divorce expenses, updating beneficiaries across all accounts, adjusting retirement projections based on what you received, and confirming that QDRO transfers have been processed correctly so nothing is lost to penalties or missed deadlines.


Business valuation

When a business is part of a divorce settlement, the valuation methodology determines what each spouse walks away with. We analyze tax returns, financial statements, and operational records, normalize owner compensation, adjust for personal expenses and undisclosed cash flow, and apply income, market, and asset-based methodologies. Reports meet AICPA and USPAP standards and are prepared by MAFF/CVA credentialed analysts.


Tax Implications of Divorce Settlements

Every asset in a divorce carries a different tax profile, and those differences change what each option is worth. We analyze capital gains on investments, income tax on retirement withdrawals, property tax on real estate, and the tax treatment of maintenance payments. Without accounting for taxes, you are comparing the wrong numbers. We make sure every scenario reflects what you will actually keep, not just what a statement shows.

Who We Help

Divorce financial planning here requires more than dividing a list of assets. We help clients understand the full financial picture before anything is signed, so the decisions made now hold up over time.

Professionals, executives, and business owners

We work with professionals, executives, and business owners going through divorce in New York, typically with $1M or more in divisible assets. Our clients are dealing with estates that include multiple retirement accounts, business interests, investment portfolios, stock compensation, real estate holdings, and deferred income.

Spouses with information gaps

We also work with the spouse who wasn't the primary financial decision maker during the marriage. When one person managed the money, and the other didn't, the information gap at the negotiation table can make it difficult to evaluate whether a proposed settlement is truly fair.

 Schedule a consultation

​

Divorce financial advisor reviewing settlement documents with a client at a conference table in a Manhattan office
Certified divorce financial analyst in New York providing expert settlement analysis and asset division guidanceJay Mota, MAFF/CVA, CDFA®, CFP®, CQS, ChFC, WMCP
Founder of Divorce Logic & Lead Divorce Financial Advisor

What a Divorce Financial Advisor (CDFA®) does

A Certified Divorce Financial Analyst (CDFA®) focuses on the financial side of divorce. We don’t provide legal advice. We help you understand what you’re agreeing to by:

  • Building a complete inventory of marital and separate assets
  • Valuing assets and modeling settlement scenarios side by side
  • Analyzing support (income, cash flow, and sustainability)
  • Quantifying tax exposure so “equal” isn’t misleading
  • Helping your attorney present data-driven positions


How We Work With Your Attorney

Divorce Logic operates alongside your attorney. Your attorney handles legal strategy. We handle the financial analysis that backs it up. Your legal team gets asset valuations, cash flow projections, tax impact reports, and settlement comparisons grounded in data. For cases where hidden income or undervalued assets are a concern, we provide financial forensics in divorce to surface the full picture.

Schedule a Consultation


"Working with Divorce Logic Services was an exceptional experience during one of the most challenging times of my life. Mr. Mota and his team combined professionalism with genuine compassion, providing steady guidance and expertise at every stage. Their skillful management, particularly in forensic accounting, led to a fair and positive resolution. I am deeply appreciative of their integrity, dedication, and unwavering support."

F.W. - High-Asset New York Case

Why choose Divorce Logic

Credentials and Certifications

Our team is led by Jay Mota, who holds the MAFF/CVA, CDFA®, CFP®, CQS, ChFC, and WMCP designations, covering financial planning, forensic accounting, business valuation, and retirement asset division. Divorce Logic is a veteran-owned firm and a member of IDFA, NACVA, NYSCDM, NADP, and AACQP.

Experience in Divorce Financial Planning

We've worked on hundreds of cases involving high asset estates, business ownership, executive compensation, multi-state retirement plans, and complex tax situations. Our analysis is built for the negotiation table, whether that means mediation, collaborative divorce, or litigation.

Collaborative Approach with Legal Professionals

We support attorneys. We don't compete with them. Our financial analysis strengthens legal arguments, and we coordinate directly with your legal team from start to finish. For mediation cases, we also serve as a neutral financial expert through our divorce mediation financial support services.

8+

Designations & certifications on one team

100s

Of Divorce Financial Clients supported

50

State coverage

NY State Council on Divorce Mediation logo
American Association of Certified QDRO Professionals logo
National Association of Certified Valuators and Analysts logo
National Association of Divorce Professionals logo
New York Association of Collaborative Professionals - logo
Institute for Divorce Financial Analysts logo

Serving Clients Across New York

We work with clients throughout New York, including Westchester, Nassau, Suffolk, Rockland, Ulster, and Onondaga counties. Our clients come from Manhattan, the Bronx, Queens, White Plains, Garden City, Huntington, Syracuse, Rochester, and communities across the state.

Our New York office is located at 1177 Avenue of the Americas, New York, NY 10036. We also work with clients throughout the state and nationwide through virtual consultations.

Schedule a Consultation
New York service area map for Divorce Logic divorce financial advisor covering Westchester, Nassau, Suffolk, and surrounding counties

Frequently Asked Questions

As early as possible, ideally before negotiations begin and definitely before anything is signed. Early involvement helps you understand the true value of each option and avoid settling on incomplete information. A divorce financial advisor in New York can provide asset valuations, settlement scenario modeling, and tax analysis from the start of the process.
Equitable distribution means assets are divided based on fairness rather than a fixed formula. The financial outcome depends on the specific facts of each case. We provide analysis that helps compare proposals using after-tax values and long-term cash flow so you understand what each option actually means before anything is signed.
Different assets are taxed differently. After-tax value estimates what you keep after taxes, fees, and carrying costs. In New York, this includes capital gains on investments, income tax on retirement withdrawals, property tax obligations on real estate, and transfer taxes and maintenance fees on Manhattan co-ops and condos. Comparing face values without accounting for taxes can produce a misleading picture of what each settlement option is actually worth.
A QDRO is a court order used to divide certain retirement plans without triggering taxes or penalties. Whether one is needed depends on the plan type and the terms of your settlement. In New York, public sector pensions including those for NYPD, FDNY, teachers, and MTA employees have their own plan-specific order requirements that differ from private employer plans. Divorce Logic provides QDRO preparation services for all plan types including New York public sector pensions.
We perform forensic financial analysis to surface missing or obscured cash flow. That includes reviewing deferred compensation, carried interest, inflated business expenses, and income shifted to related entities, which are common patterns in New York's finance, law, medicine, and business ownership sectors. We document findings so negotiations are not based on an incomplete picture and coordinate with your attorney to support case strategy.
New York requires both spouses to complete a Statement of Net Worth covering income, expenses, assets, and liabilities. You will also need recent tax returns, bank and brokerage statements, retirement account statements, mortgage documents, pay stubs, business financials if applicable, and documentation of outstanding debts.
Fees vary depending on the complexity of the case, including the number of assets involved, whether a business valuation is needed, and how far along the divorce process is. Some engagements are scoped as a flat project fee, others are hourly. The best way to get a clear picture of what the engagement involves is to schedule a consultation where we can assess your specific situation.

Get Divorce Financial Guidance

The financial decisions you make during divorce don't get a do over. Working with a divorce financial advisor ensures those decisions are grounded in real numbers and long term projections.

Schedule Your Consultation Call (201) 596-4005