Financial Forensics for Divorce Cases
Clarity for Complex Financial Situations
Divorce Logic: Bridging Finance and Law in Divorce Cases
Clients and attorneys turn to us when they need clear answers and confidence. By uncovering the full financial picture, we give you the insight to make informed decisions. Whether in settlement talks, mediation, or court, you can move forward knowing the facts are on your side.
What Is Financial Forensics in Divorce?
Think of it as financial detective work. When one spouse controls the money—or when something just doesn't feel right about the numbers—forensic analysis gets to the bottom of it.
We trace where money has gone, identify assets that weren't disclosed, and analyze income patterns to uncover what's really happening. The goal is simple: make sure you're not agreeing to a settlement based on incomplete or misleading information.
When Is Financial Forensics
Necessary in a Divorce?
Not every divorce needs forensic analysis. But if any of these sound familiar, it's worth a conversation:
Your spouse handled all the finances, and you're not sure what exists
Income seems to fluctuate without a clear explanation
The business books don't line up with the cars in the driveway or the vacations being taken
You came across accounts, credit cards, or transfers that were news to you
- You can't point to one specific thing, but the whole picture feels wrong
After 20 years in this work, we’ve learned that when something feels off, it often is. We take a careful, objective look. Sometimes we confirm the concern. Sometimes we rule it out. Either way, our clients walk away with clear answers and the confidence to move forward.
Common Financial Issues Uncovered in Divorce Forensics
Here's what we typically find when we start digging:
Unreported income
Cash payments, side businesses, bonuses that never made it to the family accounts.
Hidden assets
Accounts in other names, cryptocurrency, undervalued business interests, property transfers to friends or family.
Inflated expenses
Personal stuff buried in business write-offs. Debts on paper that don't exist in real life.
And the classic:
Someone swears they make $80K a year but somehow affords a lifestyle that costs three times that. The numbers always have a story. We read it.
Benefits of Hiring Financial Forensics Experts for Divorce
Ensuring a Fair Settlement
You can't divide what you don't know about. Forensic analysis makes sure all assets and income are on the table before you agree to anything.
Avoiding Future Disputes
Discoveries made after a divorce is finalized can be messy and expensive to address. Getting it right now saves problems later.
Providing Financial Clarity
Even when there's no intentional hiding, finances get complicated. Forensic work brings order to chaos and gives you a clear view of where things stand.
Our Approach
We know this is a stressful time. Here's how we work:
Confidential and discreet
Your privacy is protected throughout.
Objective analysis
We follow the money wherever it leads—no agenda.
Collaboration with your legal team
We work alongside your attorney, not around them.
Clear communication
No jargon, no confusing reports. You'll understand what we find.
Court-ready results
Everything we produce is documented and defensible if needed.
Forensic Accounting and Financial Analysis Process in Divorce
Initial Consultation
We start by understanding your situation—what concerns you, what you know, and what you suspect.
Document Review
Bank statements, tax returns, business records, loan applications—we gather and organize everything relevant.
Investigation and Analysis
This is where the real work happens. We trace transactions, identify patterns, and build a complete financial picture.
Report Generation
You and your attorney receive clear, documented findings that support your position.
Expert Testimony (if necessary)
If your case goes to court, we can testify to our findings and stand behind our analysis.
Hidden Assets in a Divorce: How Financial Forensics Helps
This isn't about pointing fingers. It's about making sure the asset division is built on real numbers. You can't split something fairly if half of it is missing from the conversation.
People hide assets in a lot of ways: overpaying the IRS (to get a refund after divorce), "loaning" money to friends, deferring bonuses, underreporting business value, or simply opening accounts their spouse doesn't know about.
We've seen it all. And we know where to look.
Meet Your Lead Divorce Financial Expert
Jay Mota, MAFF, CVA, CDFA, CFP®, CQS, ChFC, WMCP
Founder & Lead Financial Analyst
Jay's been doing this work for more than 20 years. Business owners, executives, and people with a lot on the line financially. The cases where the money is complicated, and one side isn't being straight about it.
He's testified in court as an expert and has worked with divorce attorneys across the northeast and in other parts of the country.
People work with Jay because he keeps it simple. No finance-speak. He tells you what turned up, why it matters, and what your options are from there.
Frequently Asked Questions
When something feels wrong. You don't have visibility into the finances. The income numbers seem low. You found something you weren't supposed to see. That kind of thing. Better to know what's real before you agree to anything.
Depends. One spouse might cover it, or you split it, or a judge decides. We can figure out what makes sense when we talk.
Could be a few weeks if things are fairly straightforward. A few months if the finances are messy or the records are hard to get.
They are. Everything we put together is done with court requirements in mind. And if it goes to trial, we can testify.
We look at the financial records and figure out what's missing or what doesn't add up. Hidden accounts, money that moved somewhere it shouldn't have, income that was never reported. We put together a clear picture for you and your attorney.
Usually, people think that if they're careful enough, the money just disappears. It doesn't. Every dollar ends up somewhere. We go through bank records, tax filings, business accounts, and how someone's actually spending day to day. Put it all together, and the gaps start showing.
Concerned the Numbers Don’t Tell the Whole Story?
When finances are layered and complex, it’s reasonable to have questions. Before you finalize anything, take the time to understand what’s really there, clearly and completely.
Schedule a Consultation
Questions? Call us at 201-596-4005 or email [email protected]