Divorce Financial Planning
Divorce doesn’t just change your life – it changes your entire financial picture. Splitting assets, dividing retirement accounts, understanding tax implications, evaluating the family home – these decisions have long-term consequences that can’t be undone.
As a Certified Divorce Financial Analysts (CDFA®), Nicole brings specialized expertise that most financial advisors simply don’t have – helping you make informed financial decisions during one of life’s most challenging transitions.
We help with:
- Asset division and valuation
- Retirement account splitting (QDROs)
- Tax implications of your settlement
- Post-divorce budgeting and financial planning
- Understanding your long-term financial options
How can we help?
Asset Division and Valuation
Retirement Account Splitting
Tax implications of your settlement
Post-Divorce budgeting and financial planning
Asset Division and Valuation
Dividing assets in a divorce isn’t as simple as splitting a dinner bill. From real estate and retirement accounts to business interests and investments, we can help you understand the true value of what’s on the table — and what a fair division actually looks like for your financial future.
Retirement Account Splitting
You’ve spent years building your retirement. Making sure it’s divided correctly — and that you receive every dollar you’re entitled to — is one of the most important steps in protecting your financial future. We will walk you through the process clearly, so nothing gets lost in the complexity.
Tax Implications of Your Settlement
Divorce settlements carry real tax consequences that aren’t always obvious at the time of signing. From alimony and property transfers to the sale of a marital home, we can analyze the tax impact of your settlement so there are no unpleasant surprises when April rolls around.
Our Expert in Divorce Financial Planning
Nicole has been in the financial services industry since 2012 and focuses on providing financial guidance during times of transition. With a holistic approach, she assists people in retirement and income distribution planning, legacy planning and tax efficiency strategies. She is a Certified Divorce Financial Analyst and specializes in Divorce Financial Planning.
Frequently Asked Questions
What does a CDFA actually do?
A Certified Divorce Financial Analyst (CDFA®) specializes in the financial complexities of divorce – things like dividing retirement accounts, evaluating whether you can afford to keep the house, understanding tax implications of your settlement, and building a financial plan for your post-divorce life. Think of them as the financial expert on your divorce team.
When should I contact a divorce financial advisor?
As early as possible – ideally before you finalize anything. Financial decisions made during divorce are very difficult to undo once the decree is signed. The sooner you have expert guidance, the better positioned you’ll be.
How are assets divided in a Wisconsin divorce?
Wisconsin is a community property state, meaning assets acquired during marriage are generally split 50/50. This includes retirement accounts, real estate, and investments. A CDFA can help you understand exactly what that means for your specific situation.
Do I need a financial advisor AND a divorce attorney?
They serve different roles. Your attorney handles the legal process. A CDFA handles the financial strategy – making sure you understand the long-term impact of every decision before you agree to anything.
How do I split a 401k or retirement account in a divorce?
Retirement accounts require a special legal document called a QDRO (Qualified Domestic Relations Order) to divide without tax penalties. This is one of the most complex parts of divorce finances and exactly where a CDFA can help.