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DIVORCE FINANCIAL ANALYSIS

Divorce is a Legal Process - but It's also a Financial One

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When divorce begins, many people immediately hand their financial information over to an attorney, and while attorneys provide essential legal guidance, they are no more qualified as a financial expert than a financial expert is qualified to give legal advice.

Divorce can be one of the most significant financial turning points in your life - it has the ability to upend your life and shape your future - your kids’ future - even your entire financial legacy. Many of the decisions cannot be undone. Without the right support, evaluating the potential short and long-term financial impacts of divorce settlement options can be overwhelming.

A CDFA® has the experience and the necessary education to help clients understand asset division, spousal and child support, tax implications, and cash flow post-divorce. 

A good CDFA® doesn't replace your attorney - they will work alongside them so you can make informed decisions with confidence. With this guidance, you eliminate the guesswork, reduce stress, and approach the divorce process from a position of strength, not uncertainty.

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"While child and spousal support may be modified in the future, asset division is final.

There is simply no room for error".

Analytics

Key Financial Areas Where a CDFA® is Invaluable:

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Asset & Debt Division

  • Identifying marital vs. separate property

  • Assessing real estate, investments, and retirement accounts

  • Evaluating liquidity and tax implications of asset division

  • Analyzing debt allocation and long-term financial impact

 

Income, Cash Flow & Lifestyle Planning

  • Budgeting for post-divorce life

  • Forecasting income needs and expense management

  • Evaluating employment and earning capacity considerations

 

Spousal & Child Support Analysis

  • Calculating fair and sustainable support payments

  • Understanding tax implications of support agreements

  • Factoring in healthcare, education, and childcare costs

 

Retirement & Long-Term Financial Security

  • Assessing retirement account division and pension considerations

  • Projecting financial stability decades into the future

  • Ensuring each party’s ability to meet future financial goals

 

Settlement Scenario Planning

  • Comparing different settlement structures 

  • Running “what-if” analyses to avoid costly mistakes

  • Helping you negotiate from a position of financial clarity

“Dividing assets and debts is rarely as simple as splitting them down the middle. The difference is in the details and overlooking the details could significantly impact your settlement”.

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Divorce is not just an emotional transition - it's also a financial one.

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