Making Informed Decisions That Can Have Life Lasting Consequences

1700 Woodcreek Farms Rd, Elgin, South Carolina 29045

(803) 713-4476

Divorce Settlement Solutions

Tell Me More about a CDFA


What is a Certified Divorce Financial Analyst?


Many people make financial mistakes during divorce that they must live with for years to come. During such a traumatic and emotional time, it can be hard for divorcing couples to see how financial issues will play out over time. Sometimes, partners in a divorce may not even fully understand what they've agreed to. Worse still, divorce settlements can be very tough to change once they've been signed and filed in court. As a result, an increasing number of divorcing couples are turning to certified divorce financial analysts for help.

 A CDFA  is an expert in the unique financial circumstances that surround a divorce. The professional training for the certification is focused on understanding and estimating the long-term costs of a divorce, because divorce settlements can impact a person's financial picture for a very long time. 


Areas of expertise include:

  • Tax consequences of divorce agreements.
  • The process of dividing and valuing property fairly.
  • Determining how much alimony and/or child support is appropriate and for how long.
  • Modeling the future values of retirement and pension funds.
  • Projecting the short and long-term financial impact of a proposed divorce settlement.

Arguably, the greatest value a CDFA  provides is an educated outlook toward the future. What seems equitable today may not look so fair when projected into the future, especially after factoring in considerations like inflation, cost of living adjustments, changes in custody agreements and other issues. A CDFA uses unique software programs and solid financial expertise to ensure that today's split of assets and cash flow will still be fair and equitable for years to come.

Frequently Asked Questions


Why should I hire a Certified Divorce Financial Analyst?  Can’t the attorney or my financial advisor do the same thing?

A CDFA has been trained as a divorce specialist in the financial analysis and planning arena. You need a CDFA who understands the tax law and other intricacies pertaining to the financial aspects of divorce. An attorney is an expert on the legalities of a divorce and a financial advisor may not be trained in divorce settlements.

What are the true benefits of using a Certified Divorce Financial Analyst?

A CDFA can save you an enormous amount of time and legal fees by helping you avoid the long-term financial pitfalls related to divorce agreements. A CDFAcan help you develop detailed household budgets and work through your financial picture in an easy to understand way to help avoid or minimize post-divorce financial struggles.

How can I know if I can make it on my own financially before I file for divorce?

The best approach is to have a financial analysis completed by the CDFA who has specialized software and knowledge about how the tax laws may affect you. They can run different scenarios and help you protect your net worth and cash flow into the future. This is the type of assistance you need to make informed decisions about your future.

What can I do now if I think that we are separating?

Gather up and make copies of all pertinent financial information on your mortgage, insurances policies, bank statements, brokerage accounts, pension and retirement plans, any that has to do with your marital finances. You may want to seek the services of a CDFA before you separate. Many clients have benefited from pre-separation planning. When separation occurred, they were well prepared.

I don’t have an attorney. Do I need one?  Can you help me?  

Yes, you will need an attorney. I’ll be happy to recommend competent family law attorneys for you to choose from.