Divorce is one of the most significant financial transitions a person can face. Important decisions about assets, retirement accounts, and future income can have long-lasting consequences.

Working with a financial professional who understands the complexities of divorce can help you make informed decisions and help protect your long-term financial well-being.

At Clarity in Planning, we provide divorce financial planning services designed to help individuals organize their finances, evaluate settlement options, and plan confidently for life after divorce.

Having earned the Certified Divorce Financial Analyst (CDFA^®) designation, Joni specializes in analyzing the financial aspects of divorce and helping clients understand how different settlement decisions may impact their future.

The Certified Divorce Financial Analyst (CDFA^®) designation equips financial professionals with additional knowledge to help individuals and couples understand the financial implications of divorce settlements.

A financial professional who holds the CDFA^® works with clients and their legal professionals to evaluate issues such as:

• Division of retirement accounts and pensions
• Tax implications of settlement options
• Spousal support and long-term income planning
• Investment and asset division strategies
• Long-term financial well-being after divorce

The goal is to help you see the full financial picture before finalizing important decisions.

Financial Clarity During Divorce

We help you organize and understand your full financial situation, including:

• Investments and brokerage accounts
• Retirement plans such as 401(k)s and IRAs
• Real estate and home equity
• Stock options and deferred compensation
• Business ownership interests
• Debt and liabilities

Having a clear understanding of your assets is essential when negotiating a fair settlement.

Not all settlements are financially equal. At Clarity in Planning, we help evaluate multiple settlement scenarios so you understand:

• Which assets may provide long-term financial stability
• The future value of retirement accounts versus other assets
• Potential tax consequences
• How support payments may affect future cash flow

This analysis helps you make decisions based on long-term financial outcomes—not just immediate value.

Divorce often requires reevaluating retirement plans and financial goals.

We help clients adjust their strategy by:

• Rebuilding retirement projections
• Updating investment allocations
• Creating new income strategies
• Evaluating Social Security timing
• Planning for long-term financial independence

Once the divorce is finalized, we can help clients transition into their next financial chapter by:

• Updating account ownership and beneficiaries
• Creating a new financial plan
• Developing an investment strategy aligned with new goals
• Building a sustainable retirement income strategy

Divorce financial planning is most effective when financial professionals collaborate with legal and tax experts.  Joni often works alongside divorce attorneys, mediators, and CPAs to provide financial analysis that supports informed decision-making.

Our divorce financial planning services are designed for individuals who are:

• Considering divorce and want to understand the financial implications
• Currently negotiating a settlement
• Recently divorced and looking to rebuild their financial plan
• Seeking guidance on retirement planning after divorce

Divorce can feel overwhelming, but with informed financial guidance you can move forward with clarity and confidence.

At Clarity in Planning, our goal is to help you understand your options, protect your financial future, and build a clear plan for the next stage of your life.

Schedule a confidential consultation to discuss your divorce financial planning needs.