Certified Divorce Financial Planning & Asset Division Services​

Which Divorce Method Maximizes Your Financial Security?

Choosing the right divorce process—whether mediation, collaborative divorce, or litigation—is one of the most important financial decisions you'll make. Each path has different cost structures, timelines, and implications for asset protection.

We analyze the financial impact of each option based on your unique situation:

• Total cost projections including legal fees and expert costs
• Timeline implications for cash flow and asset access
• Privacy considerations for business owners and executives
• Negotiation dynamics and their effect on settlements

Why this matters: The right approach can save you significant money in legal fees, preserve more of your wealth, reduce emotional stress, and significantly shorten the divorce timeline.

How Do I Prepare Financially for Divorce? 

Financial preparation is the cornerstone of a favorable divorce outcome. The more organized and informed you are, the stronger your negotiating position becomes. Many clients tell us they wish they'd started this process sooner.

Our comprehensive divorce financial planning service helps you:

• Document and organize all marital assets systematically
• Identify potential hidden assets or undisclosed liabilities
• Create realistic post-divorce budget projections
• Understand tax implications of different settlement scenarios
• Gather critical financial documents before they become inaccessible
• Establish individual credit if needed

Why this matters: Proper preparation prevents costly oversights, strengthens your negotiating position, and helps you avoid making emotional decisions that could impact your financial future for years to come.

What Goes in My Financial Affidavit? 

Your financial affidavit (also known as a financial statement, net worth statement, or financial disclosure affidavit) is often the most critical document in your divorce. It serves as the foundation for property division, support calculations, and negotiation of settlements. Courts rely heavily on this document to make fair determinations.

We ensure your financial affidavit is complete, accurate, and strategically prepared by:

• Collecting comprehensive documentation for all assets
• Calculating true income from all sources, including bonuses and benefits
• Identifying all debts, liabilities, and financial obligations
• Completing forms to meet specific court requirements
• Reviewing for accuracy and completeness before submission
• Ensuring consistency across all financial disclosures

Why this matters: An incomplete or inaccurate financial affidavit can accidentally waive your rights to assets, understate support needs, or create legal challenges that may be difficult—or impossible—to correct later.

How Much Are Pensions and Stock Options Worth in Divorce?

For executives and professionals, retirement assets and deferred compensation often represent the largest portion of marital wealth. These complex assets require specialized valuation expertise that goes beyond simple account statements.

Our valuation services include:

• Present value calculations for defined benefit pensions
• Restricted Stock Unit (RSU) and stock option valuations
• Deferred compensation analysis and projections
• Tax impact modeling for different division scenarios
• Vesting schedule implications for future benefits
• Detailed reports that stand up in negotiations and court

Why this matters: Improper valuation of retirement assets is one of the costliest divorce mistakes. Accurate valuations ensure fair division and prevent future disputes.

Can Hidden Assets Be Found?​

In high-asset divorces, the discovery of hidden assets can dramatically change settlement outcomes. Our forensic financial analysis has uncovered concealed wealth in cases where clients suspected something was amiss but couldn't prove it.

Our financial forensics service investigates:

• Concealed bank accounts and income streams
• Asset dissipation through affairs, gambling, or excessive spending
• Business income manipulation and unreported cash
• Cryptocurrency and digital asset holdings
• Offshore accounts and foreign investments
• Loans to family members or business associates

Why this matters: Hidden assets can dramatically change settlement outcomes. Without forensic analysis, these assets often remain undiscovered, potentially costing innocent spouses their fair share of marital wealth.

How Is Separate Property Protected? 

Protecting separate property requires meticulous documentation and tracing. Without proper evidence, assets you brought into the marriage or inherited could be mistakenly classified as marital property subject to division.

We trace and document:

• Pre-marital asset values and post-marital appreciation
• Inherited property received during the marriage
• Gifts from family members and trusts
• Commingled asset calculations and segregation
• Business interests established before marriage
• Separate property income and reinvestment

Why this matters: Once separate property is divided in a divorce, it's nearly impossible to recover. Proper documentation protects your individual wealth and ensures only marital assets are subject to division.

What Standard of Living Determines Support?​

Alimony and child support calculations depend heavily on establishing the marital standard of living. Our lifestyle analysis provides objective, data-driven documentation that forms the basis for fair support determinations.

Our comprehensive analysis includes:

• Historical spending patterns over multiple years
• True cost of maintaining separate households
• Children's activities, education, and special needs
• Healthcare and insurance requirements
• Reasonable support projections based on actual data
• Geographic cost-of-living adjustments

Why this matters: Accurate lifestyle analysis ensures support calculations reflect actual needs rather than estimates or assumptions, preventing either party from being unfairly burdened or shortchanged.

Is This Settlement Agreement Fair?​

Before signing any agreement, understanding its long-term financial impact is crucial. What seems fair today might create significant hardship in five or ten years. We provide the analysis needed to make informed decisions.

Our settlement review includes:

• Tax consequences of different asset divisions
• 10-20 year financial projections post-divorce
• Hidden costs buried in agreement language
• Alternative settlement scenario comparisons
• Cash flow analysis of proposed support
• Retirement security assessment

Why this matters: Once signed, modifying divorce agreements is extremely difficult and expensive. Our analysis ensures you understand the true long-term impact before committing to any settlement.

What Are QDROs and Why Do They Matter?​

Qualified Domestic Relations Orders (QDROs) are complex legal documents required to divide most retirement accounts. A single error can result in loss of benefits, tax penalties, or years of legal battles.

Our comprehensive QDRO services include:

• Researching specific plan requirements and restrictions
• Drafting proposed orders with precise language
• Coordinating approvals with plan administrators
• Ensuring proper implementation and benefit transfers
• Addressing survivor benefit elections
• Handling military and government retirement divisions

Why this matters: QDRO mistakes can cost significant amounts in lost retirement benefits and may be impossible to correct after the divorce is final. Professional handling ensures your retirement security.

Will I Be Financially Secure Post-Divorce?​

Understanding your new financial reality brings peace of mind and enables confident planning. Our post-divorce financial planning creates a roadmap for your independent future.

Based on your settlement, we provide:

• Monthly budget analysis reflecting your new reality
• Tax planning strategies for your filing status
• Emergency fund recommendations
• Investment strategy adjustments
• Goal planning for major purchases or retirement
• Insurance needs assessment
• Written execution and recommendation plan

Why this matters: A clear understanding of your financial position reduces anxiety, prevents overspending, and ensures you're building toward long-term security rather than just surviving month-to-month.