Divorce Planning

Certified Divorce Financial Analyst™

Divorce is devastating.  Not only to the individuals involved, but also to the children, family, and friends of the divorcing couple. Divorce also will have a financial impact as well. The plan for retirement that had been put into place was meant to be achieved with both spouses. Now that plan is going to be written for one person.

All of the pieces that were acquired during marriage will now be split up. There is a concern that you are getting your fair share so you are able to move forward financially and will not struggle. Now more than ever the decisions that you will make need to be right ones. These decisions will impact the lifestyle of your children and yourself.

Working with a Certified Divorce Analyst will help you analyze the short term and long term effect of these financial decisions. Where ever you may be in the divorce planning process from either thinking about filing to start the process or the final decree has been issued, Ron and his team of experts are here to help you through these uncertain times and help create a plan that will provide you the highest probability of success of financial freedom. 

Working with a Certified Divorce Financial Analyst, Ron will become an extra team member and provide support with your attorney on financial issues such as:

  • The short term and long term effects of dividing property

  • Tax Issues on Investments

  • Analyzing Pension and Retirement Plans

  • Calculating the present value of the pension

  • Help determine the cost basis and possible capital gain on the sale of the marital residence

  • Income analysis on keeping the current marital residence. If not what will be affordable in your budget

  • Examining the Pros and Cons of Proposed Settlements with our software.

  • Social Security Strategies

  • Develop a new budget for current income

  • Set new retirement objectives

  • Help discover your risk tolerance

  • Create your new financial road map

Working with Ron and his team does not replace the need for an attorney.  Ron and his team are here to assist you and your attorney.  This is an emotional time but come in and sit with Ron to gain some peace of mind for the decisions that are on the horizon so you are able to pick up the pieces and move forward with confidence.

Your attorney

Look for an attorney who handles just divorce cases or up to 75% of their practice are divorce cases. When interviewing attorneys, it is ok to be nosey and ask questions.  You want to feel that the person across the table will be able to get the job done. As you fill the attorney in on the particulars of your case, ask them  about their qualifications and fees. Find out if they will be handling your case or will it be passed down to a junior attorney.  If so meet with that person as well. Interview at least two attorneys to make the best decision in whom you will retain as your council.

Divorce Financial Planner 

Working with a Certified Divorce Analyst, CDFA will help you analyze the short term and long term effect of these financial decisions that are looming. A CDFA is different than a financial planner, financial advisor, CPA or accountant. A Certified Divorce Planner is equipped and certified with all of the specialized tools for the divorce process, including divorce financial planning  and asset protection strategies.

As the second member of your team, your divorce financial planner will work hand in hand with your attorney to take care of the imperative financial implications of your divorce. These tasks can include preparing financial affidavits and projecting the financial implications of proposed settlements in the short term and long term.

In addition there may be the need for other financial evaluators depending on the situation. They may be:

Forensic Accountant – They will be a resource if there is a feeling that there are assets that are being hidden from the other spouse or possible disposition of marital assets before filing for divorce. If a business is owned they will discover if revenues are being hidden or delayed to skew the actual financial numbers of the business

Valuation Expert – This person will determine the actual value of a business using the real numbers determined by the forensic accountant.  They also will be able to help attach a value to an advanced degree earned during the marriage, stock options and or restricted company stock.

Real Estate Appraiser – This expert will step in to help determine the value of the marital home and other real estate holdings such as vacation homes, rental and or commercial property, and undeveloped land.


Divorce is an emotional rollercoaster and navigating the ups and downs of the process may prove to be difficult. Because of the emotional component adding a qualified therapist to help navigate this stressful time is encouraged.

Going through a divorce is a stressful time. It is easier said then done but an individual needs to try and maintain focus and deal with the emotional aspect separately from the financial aspect. This is a nothing more than a business negotiation. Treating the process as such will help get the best financial result so you can move forward.