Planning for the future is an essential part of every divorce settlement. Separating or divorcing couples often face a major transformation in each of their financial circumstances. The bottom line is that two households must survive on the same dollars formerly supporting one. A Divorce Financial Planner is an excellent resource for divorcing couples when they choose to go their separate ways.

Financial Planners have traditionally worked with individuals after divorce, helping them build new lives and plan for their future.

By being uniquely qualified to make long-term financial projections, Divorce Financial Planners integrate the methodology of financial planning directly into the divorce process.

Since settlements are in large part financial, Divorce Financial Planners can explain your options, help you set priorities, and lead you through the hard choices ahead.

Often, the financial data on which settlements are based is unreliable. This leads to future problems for one or both parties. Accurate financial information helps the parties achieve workable settlements quicker and accept realistic lifestyle changes when necessary.

Settlements achieved are much less prone to problem or error.

Learn more about divorce financial planning and how it can help you. Listen to ADFP executive vice president Carl Palatnik’s interview with Larry Pugliese of Raymond James.

Planning for your future as well as your children’s is an essential part of every divorce settlement. Establishing a team to help you through this difficult period is paramount to your well-being.

  1. Take control of the divorce process
  2. Gain a clear understanding of your current financial picture
  3. Gain a clear understanding of your future financial picture
  4. Be more focused on reaching a fair and workable settlement
  5. Negotiate more effectively
  6. Ensure a faster resolution of all financial matters, equitably, for both spouses
  7. Minimize legal fees
  8. Minimize taxes
  9. Maximize marital assets


  • Compile, Organize, and Value Assets
  • Analyze Liabilities
  • Estimate Immediate Needs
  • Prepare Statements of Net Worth
  • Develop Realistic Budgets


  • Discuss and Prioritize Goals
  • Estimate Career Training Cost and Time Horizon
  • Estimate Future Earning Potentials
  • Estimate College and Educational Costs
  • Compare After-Tax Asset Sales
  • Project Retirement Needs
  • Analyze Insurance Needs


  • Look at After-Tax Proposed Settlements
  • Estimate Maintenance Needs
  • Analyze Long Term Cash Flow and Net Worth
  • Compare and Contrast Settlement Proposals
  • Develop Alternate Settlement Proposals


  • Oversee Asset Transfers
  • Set Up Budgeting and Money Management Systems
  • Manage Investments
  • Monitor Results
  • Update Plans
Divorce & Finance