Why Hire A Certified Divorce Financial Analyst (CDFA)?

Why a Certified Divorce Financial Analyst

“Forewarned is Forearmed”

If you are reading this while contemplating divorce, then your timing is perfect. Read on to know how you can best protect yourself as you go through this difficult period. 

Having knowledge on possible problems will give you a tactical advantage so you can gain financial empowerment during and after your divorce.

The obvious first step in this challenging process of divorce is to consult with an attorney for legal advice. 

Equally important, but often pushed on to later, is contracting with a CDFA (Certified Divorce Financial Analyst), or a Financial Planner who specializes in Divorce.

People often consult with a financial adviser after a divorce. But by then it could be too late as many money matters such as spousal and child support, insurance, short term cash needs, trusts and retirement, have already been finalized. And you may find yourself left holding the short end of the stick because you had no one looking out for your financial interests. 

Looking Out For Your Financial Interests

In an ideal situation, your consultation with a financial planner should come even before calling a lawyer, or at the latest, should be done as early on in the divorce proceedings as possible. This way, your CDFA would be able to arm you with the best financial strategies when it comes to the divorce settlement process. “Forewarned is forearmed”.

Some of the things a good CDFA is qualified to do for you is:

❖Explain and educate all the different options in dividing retirement accounts

❖The tax ramifications of dividing assets in a divorce 

❖Explaining what the difference is between child support and spousal support or alimony – and how each is taxed.

❖Identify what work related benefits (insurance) you have and what will change, and how to replace lost benefits.

❖As you are negotiating a settlement, how does that look for you now and 10 yrs from now? Can you maintain financial stability? A good CDFA can answer this question for you!

Pension valuations – should you leave it or fight for it?

❖Identify assets and debts accumulated during marriage, or what is separate property.

❖Creating a budget to live by!

There is one thing a CDFA will never do for you:  A CDFA will NOT give you Legal Advice! 

We are not attorneys, so we do not give legal advice. We work with your attorney giving you proper financial guidance, while your attorney gives you solid legal advice. Having both as part of your divorce team is crucial!

A good CDFA will be there to support and encourage you throughout the divorce process. To say that divorce is stressful is an understatement. It is a terrifying time in your life and you need someone to guide you through the financial issues, so in the end you can stand tall, be there for your kids and move on with confidence to the next adventure in your life!

Kimberly Surber, CDFA with Kimberly Surber Divorce Planning, will help you navigate through this very trying period by helping you understand the various financial components of divorce. It is our goal to provide you with the objective guidance and education you need to come out financially confident and motivated to achieve your financial success!

Call today to schedule a free consultation. 907-347-3860

Tags: Divorce Financial Analyst, CDFA, financial planning, divorce planning, women's divorce help, divorce financial help, child support, spousal support

This information is not intended to be a substitute for seeking legal advice from an attorney. For legal or tax advice please seek the services of a qualified attorney and/or qualified tax professional.

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Gaining Financial Empowerment Now...

And For The Future

Kimberly Surber

Certified Divorce Financial Analyst®

Serving Riverside County, San Diego County


Kimberly Surber is a Certified Financial Planner®  and a Certified Divorce Financial Analyst®; however such registration does not imply a certain level of skill or training and no inference to the contrary should be made. Information presented is for informational purposes only, does not intend to make an offer or solicitation for the sale or purchase of any securities, and should not be considered investment advice.  Kimberly Surber has not taken into account the investment objectives, financial situation or particular needs of any individual investor. There is a risk of loss from an investment in securities, including the risk of loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular investor's financial situation or risk tolerance. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed here. Past performance is not indicative of future results. Investments involve risk, including loss of principal and unless otherwise stated, are not guaranteed. Information provided reflects Kimberly Surber's views as of certain time periods, such views are subject to change at any point without notice. For a copy of our Privacy Policy, see below.

Kimberly Surber provides informational articles not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Kimberly Surber is not responsible for the consequences of any decisions or actions taken as a result of information provided in these articles and does not warrant or guarantee the accuracy or completeness of the information requested or displayed. External Links are not affiliated with Kimberly Surber.

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