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FINANCIAL ANALYSIS & NEGOTIATION STRATEGY

DIVORCE IS A LEGAL PROCESS, BUT IT'S ALSO A FINANCIAL ONE

​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.  Without the right support, evaluating the potential short and long-term financial impacts of divorce settlement options can be overwhelming.

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WHAT IS A CDFA®

A Certified Divorce Financial Analyst (CDFA®) is a financial professional trained to help individuals and couples understand the financial intricacies of divorce. CDFA®s analyze the money-side of divorce and provide insight into the long-term impact of financial decisions made during the divorce process.

 

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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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. 

Think of a CDFA® as your go-to Financial Divorce Expert - part Financial Planner, part Strategist, and part Detective.

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KEY AREAS WHERE A CDFA® IS INVALUABLE

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ASSET & DEBT DIVISION

  • Identifying marital vs. separate property

  • Assessing real estate, investments, retirement accounts, pensions

  • Evaluating liquidity and tax implications of asset division

  • Analyzing debt allocation and long-term financial impact

 

INCOME, CASH FLOW & LIFESTYLE PLANNING

  • Determining gross income for support purposes

  • Evaluating employment and earning capacity considerations

  • Forecasting income needs and expense management

  • Budgeting for post-divorce life

 

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

Having a CDFA® in Your Corner Isn’t a Luxury; It’s a Lifeline.

Without one, you’re navigating one of life’s most turbulent events with blind spots.
With one, you gain clarity, confidence, and the tools to move forward without financial regret.

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