Certified Divorce Financial Planning Services (CDFA® Experts)
Navigate Divorce with Financial Clarity and Confidence
Whether you're starting your divorce journey or working with attorneys, expert divorce financial planning is critical to protect your assets and plan for the future. Our Certified Divorce Financial Analysts (CDFA®) guide you through settlements, tax implications, and financial decisions so you can move forward with confidence.
What Is Divorce Financial Planning?
Think of Divorce Financial Planning as your financial GPS during divorce. While emotions run high and decisions feel overwhelming, we provide the map and guidance to navigate wisely. Our coaching sessions break down complex finances into understandable choices, showing you not just where you are today, but where different paths could lead tomorrow.
Our CDFA® professionals work exclusively in divorce finance—it's all we do. We dig into the details of your finances, run scenarios on different ways to divide assets, and give you and your attorney the ammunition needed for smart negotiations.
Our Divorce Financial Planning Process Includes:
Financial Document Organization
Comprehensive review of all marital assets, debts, income, and expenses
Post-Divorce Budget Planning
Development of realistic post-divorce financial plans
Divorce Settlement Financial Analysis
Evaluation of different settlement scenarios and their impacts
Strategic Financial Guidance
Clear guidance throughout the divorce process
Tax Impact Planning
Understand the tax impact of your divorce settlement options to plan effectively
Who Benefits from Divorce Financial Planning?
Our financial planning expertise serves individuals seeking confidence and clarity throughout their divorce journey. Here's who finds our services most valuable:
Beginning the Divorce Process
- Contemplating separation and need financial clarity before moving forward
- Gathering financial documentation in preparation for filing
- Seeking insight into equitable settlement structures
- Ready to understand the real numbers behind major life decisions
Working with Legal Professionals
- Collaborating with a mediator who requires detailed financial input
- Partnering with counsel but need specialized financial expertise
- Engaged in collaborative divorce proceedings
- Preparing for critical settlement discussions
Managing Complex Divorce Finances
- Business ownership or professional practice interests
- Executive compensation structures (equity compensation, deferred comp)
- Substantial retirement portfolios or defined benefit plans
- Multiple properties or diversified investment holdings
How Our Sessions Help You Make Better Decisions
Transform Complexity into Clarity
Financial documents and statements become understandable roadmaps. You'll know precisely what assets exist, which debts matter, and what your future requires.
Sidestep Financial Pitfalls
Professional analysis reveals what's easily missed—from tax consequences to undervalued assets. Our expertise prevents agreements that could haunt your finances for years.
Negotiate from Strength
Professional financial documentation empowers you and your legal team. Facts replace guesswork, ensuring negotiations start from solid ground.
Design Your Next Chapter
Beyond splitting assets, we help envision your financial future. Understanding post-divorce reality enables planning for the life you want.
Find Peace in the Process
Having a financial expert on your side changes everything. Instead of lying awake wondering if you're making the right choices, you'll have concrete data and professional insight guiding your decisions.
Our Approach: Professional, Confidential, Supportive
We get it—divorce is hard enough without adding financial stress to the mix. That's why we combine serious financial expertise with a human touch that makes the process manageable:
- Your Privacy Matters - What we discuss stays between us, period
- Just the Facts - We present the numbers without taking sides
- No Finance Degree Needed - We explain everything in terms that actually make sense
- We Play Well with Others - Your attorney, accountant, and other pros? We're all on the same team
- Eyes on Tomorrow - Let's focus on where you're going, not where you've been
Serving New Jersey, New York, Massachusetts & Nationwide
With headquarters in New Jersey and offices in New York and Massachusetts, Divorce Logic serves clients locally and nationwide. Virtual consultations mean geographic boundaries don't limit access to premier divorce financial planning expertise.
Our Locations:
- Northern New Jersey: 135 Chestnut Ridge Rd Suite 260, Montvale, NJ 07645
- Manhattan: 1177 Avenue of the Americas, New York, NY 10036
- Greater Boston: 300 Brickstone Square, Andover, MA 01810
Divorce Financial Planning Services & Packages
Check out our flexible pricing plans with no hidden fees. Contact us for a custom quote.
Foundation Plan
Perfect for those just starting or considering divorce
Speak With an Expert- (2) 60-min 1:1 coaching sessions
- Overview of divorce financial landscape
- Budgeting and expense planning
- Review of income, debt, and basic asset structure
- List of key financial documents to gather
- Personalized next-step roadmap
- 31 Page Divorce Guide
Strategic Support Plan
For clients actively navigating settlement negotiations
Speak With an Expert- (3) 60-min 1:1 coaching sessions
- Net worth statement and asset inventory worksheet
- Analysis of marital vs. Separate Property
- Preliminary division strategy modeling
- Guidance on child support, spousal maintenance, and tax considerations
- Document review (up to 25 pages)
- 31 Page Divorce Guide
Comprehensive Settlement Plan
Financial coaching for high-conflict or complex cases
Speak With an Expert- (5) 60-min 1:1 coaching sessions
- Cash flow analysis w/projections
- Tax impact comparison of settlement options
- Executive compensation, pension, and QDRO education
- Attorney collaboration or mediation prep call
- Document review (up to 50 pages)
- (1) post-divorce financial check-in session
- 31 Page Divorce Guide
What Our Clients Say
Meet Your Lead Divorce Financial Expert
Jay Mota, DFA®, CFP®, MAFF®, CQS®, ChFC®, WMCP®
Founder & Lead Financial Analyst
Jay brings more than two decades of experience to every client engagement. His combination of credentials reflects a commitment to excellence that few in the field can match. But what really sets Jay apart is how he connects with people going through tough times. Clients throughout New Jersey, New York, Massachusetts and beyond trust Jay and the Divorce Logic team to guide them through divorce with both expertise and empathy.
Professional Associations
Our team maintains the highest professional standards through ongoing education and active participation in:
Frequently Asked Questions
Here are some common questions about our company.
Sooner is always better than later. If you're even thinking about divorce, getting your financial ducks in a row now will pay off down the road. That said, we can jump in and help at any point in the process.
Think of it this way: your attorney is the legal expert, we're the money experts. While they focus on the law and negotiation strategy, we crunch the numbers and show what different scenarios really mean for your wallet—both today and 10 years from now.
Don't worry—we'll give you a detailed list after you book your consultation. Generally speaking, you'll want recent tax returns, bank statements, and information about any property or investments you own.
Every situation is different. Some folks need just a few sessions, others benefit from ongoing support throughout their divorce. We'll map out a timeline that works for your specific situation.
Absolutely. In fact, mediators often appreciate when clients come prepared with solid financial analysis. It makes their job easier and your mediation more productive.
If needed, yes. Our team has the credentials and experience to serve as expert witnesses on financial matters in divorce proceedings.
Ready to Take Control of Your Financial Future During Divorce?
You don't have to figure out the financial side of divorce by yourself. Our Certified Divorce Financial Analysts know exactly what to look for, what questions to ask, and how to help you come out of this in the best possible financial shape.
Two Ways to Get Started:
Discuss your situation with an expert and get personalized recommendations
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Book Your Initial Consultation
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Choose a Planning Package
Questions? Call us at 201-596-4005 or email [email protected]