Certified Divorce Financial Analyst

A trained Certified Divorce Financial Analyst™ offers professional services such as the understanding of divorce laws, marital assets, child and spousal support, retirement benefits, the effects of real estate taxes, investments, insurance, social security and many other areas of asset distribution including post-divorce matters.

We utilize sophisticated software to layout analysis reports, so you are well prepared and aware of your financial health, needs and desires prior to meeting with your attorney. An attorney’s job is to prepare and file legal documents and present your case, not to advise you financially. In fact, most attorneys are not financial experts.

Benefits of Financial Analysis:

  • Provide a list of fundamental documents to gather prior to divorce proceedings, saving time and legal research costs

  • Analyze budget trajectories during and after the divorce without distorted reality

  • Make decisions about dividing assets like the retirement plans, pensions and investment portfolios

  • Consider how to handle the most important asset; the family home.

  • Explain how your state calculates child support and spousal maintenance

Trained Mediator

As a neutral third party, a mediator is a highly trained professional who meets with you and your divorcing spouse in an effort to discuss and resolve the issues in your divorce. As a mediator in your divorce, we are not offering advisement or financial support, but rather negotiating the details of the divorce settlement. I am also able to work together with third-party psychologist mediators if it is helpful to the situation.

Benefits of Mediation:

  • Usually less expensive than traditional court

  • Confidential, no public record

  • Decisions based on mutual respect and interests, not legal principles

  • You and Your spouse—not the court—can control the process.

  • Can improve communication, helping to alleviate future conflicts

Collaborative Financial Neutral

Divorce doesn’t have to be combative. The Collaborative Divorce Process is a revolutionary alternative dispute resolution option to restructure your family, resolve your legal issues and move forward with your life while preserving assets and relationships.

We offer the collaborative financial neutral services component you require in a Collaborative Divorce as part of a team of other collaborative professionals, such as attorneys and health professionals.

Benefits of Collaborative Divorce:

  • Offers privacy, control and respect

  • Keeps parties out of court

  • Focuses on the needs and goals of the clients not the legal parameters

  • Usually faster and less expensive

  • Promotes healthy, open communication

Post-Divorce Transition Assistance

As financial professionals, we are trained to look toward the long-term outcomes. Often after a divorce you can be overwhelmed with short-term needs. our divorce is final, but finances still need to be put in order. Your accounts need to be consolidated, bank accounts closed, wills drafted again as they have changed, beneficiaries updated, etc.

It can be definitely be overwhelming, but our Post-Divorce Transition Assistance services are designed to make sure you regain your financial control and move forward with confidence.

Call today for a free 30-minute strategy session where we will:

  • Assist in accurately transferring or retitling assets into the accepting spouse’s name according to the Marriage Settlement Agreement (MSA). Closing joint accounts.
  • Accurately transition retirement assets according to the Qualified Domestic Relations Order (QDRO).
  • Assist in developing a budget as a single spouse considering cash flow needs.
  • Design an investment strategy based on individual goals
  • Manage investments, monitor outcomes, update financial plans.
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"Thank you so much for all your help with my divorce and with my attorney. Working with you as our CDFA gave me a clear definition of our assets. Although we ended litigating the divorce, you helped me map out a plan for a division of assets. Praying we can sign and be finished soon! There is no looking back for me. I am so excited to move forward.

The past two years on my own was difficult in many ways, but I am stronger, wiser, and happier than I have ever been, and it feels so good!"

Sherry B.
"In 2018 I was referred to Mary Ann Ernette at Harmony Divorce Solutions for assistance with mediating my divorce proposal. Divorce is an emotionally draining process that is confusing and overwhelming and I was unsure how to move forward. Mary Ann met with me several times, offering financial advice, and helping me navigate the maze of division of marital property and settlement. Because of her professional advice I had the confidence to negotiate a higher support agreement than I originally expected. Although my spouse ultimately refused to sign our mediation agreement and I am now in litigation, I am no longer emotionally helpless and the knowledge I gained from Mary Ann is empowering me to stand firm on negotiating a fair settlement. I highly recommend Mary Ann!"
Michelle W.