How assets get divided
The house, the retirement accounts, and the brokerage account are not interchangeable, even when the totals match.
certified divorce financial analyst
You don't have to figure this out alone
Divorce is one of the most disorienting financial moments in a person’s life, and many of the decisions that matter most have to be made before you’ve had time to catch your breath. I help people slow down, understand what is on the table, and ask better questions before they sign.
Divorce changes everything. So can the right financial guidance.
Two settlements can look identical on paper and leave you in very different places five years later. Here is where the difference usually hides.
Your budget afterward
Two households cost more than one. Seeing the real numbers early changes which trade-offs make sense.
The tax side
Settlements with the same headline value can leave you with very different amounts once taxes are accounted for.
What a proposal means
Understanding the long-term cost of an option before you agree to it, rather than after.
The conversation
Thinking about it, in the middle of it, or already finalized. There is no stage that is too early or too late to get a clear picture. During our conversation, I will:
- Get clear on where you are and what you're facing
- Walk through your finances and flag anything that needs a closer look
- Map out what your options mean for your future
- Point you toward any other help you need along the way
Along the way, we'll look at
Income
Support, earnings, and what changes when one household becomes two.
Assets
The house, the accounts, and what each one is worth after tax.
Retirement
Pensions and retirement accounts, and how each one gets divided.
Insurance
Health, life, and disability coverage once the household splits.
Expenses
What running your own household will cost, month to month.
Taxes
Filing status, and which assets carry a tax bill down the road.
No cost, no obligation
Let's talk it through
I read every message myself and generally respond within one business day.
A few things people usually want to know
Do I need to have filed for divorce already?
Not at all. The earlier we talk, the more options you usually have. Plenty of people reach out while they’re still deciding, and that’s a perfectly good time to start.
What should I bring to our conversation?
Whatever you have is fine. Tax returns, account statements, a settlement proposal if there is one, but if you haven’t organized any of that yet, we can start with just a conversation.
How is what I share handled?
What you tell me is treated as confidential and is used to understand your situation and respond to you. Finivi does not sell your personal information. There is no obligation to continue after we talk.
Will you replace my attorney?
No. Your attorney handles the legal side. I focus on the financial side, so you have someone looking out for both.
What is a CDFA®, exactly?
It stands for Certified Divorce Financial Analyst, a credential focused specifically on the money side of divorce, like how retirement accounts get divided, what it means for your taxes, and what your finances will look like afterward.
What if my situation feels complicated?
Business ownership, stock options, pensions, deferred compensation, these all come up often, and they’re exactly the kind of thing worth talking through rather than guessing about on your own.
This page is provided for informational purposes only and does not constitute legal, tax, or financial advice. Divorce involves complex legal, financial, and tax considerations that vary by individual circumstance and state law. Finivi does not provide legal or tax advice. Certified Divorce Financial Analyst (CDFA®) is a professional designation granted by the Institute for Divorce Financial Analysts. Use of this designation does not imply a specific level of investment or advisory services.