Take control of your financial future before divorce proceedings begin.

At Smart Divorce Decisions, LLC, we provide specialized divorce financial planning services to help women understand their full financial picture, evaluate settlement options, and prepare for long-term stability.

Our Certified Divorce Financial Analyst (CDFA®) support is designed to give you clarity and confidence as you navigate divorce. From lifestyle analysis and settlement modeling to retirement division and post-divorce financial planning, we help you make informed choices every step of the way.

Starting early gives you the best opportunity to protect your assets and prepare for negotiations. Our pre-divorce services help you organize your finances, anticipate outcomes, and enter the process informed and ready.

• Lifestyle Analysis (Marital Standard of Living)

Establish an accurate picture of your standard of living to support spousal support discussions and budget planning.

• Comprehensive Financial Assessment

Review your income, expenses, assets, and liabilities to create a clear financial snapshot before divorce begins.

• Settlement Analysis

Model potential settlement outcomes so you know how different scenarios may affect your financial future.

• Tax Implications of Divorce

Identify how settlement structures may impact your taxes, helping you avoid surprises and preserve more wealth.

• Asset Division & Property Tracing

Separate marital property from individual assets for a fair and accurate division.

• Retirement & Pension Division

Analyze marital interest in 401(k)s, IRAs, pensions, and QDROs to ensure equitable retirement planning.

• Education & College Planning

Plan ahead for children’s education costs as part of your divorce financial strategy.

• Informal Business Valuation

Estimate the marital value of a privately held business to ensure fair negotiations.

• Document Review & Explanation

Explain financial documents in plain language so you feel confident in your decisions.

• Income Verification & Financial Affidavit Preparation

Ensure your financial disclosures are accurate and complete for mediation or court requirements.

Divorce negotiations can be overwhelming. Having a CDFA® as your Financial Advocate during mediation and settlement discussions ensures your financial interests are protected.

• Mediation & Negotiation Support

Act as your financial voice during settlement discussions to ensure your interests are represented.

• Negotiation Strategy Development

Build a data-driven plan that supports your attorney’s legal strategy and strengthens your position.

• Marital Interest Calculations

Determine marital versus separate interest in businesses, retirement accounts, and pensions.

• Document Review

Review and clarify agreements before you sign to help you avoid costly mistakes.

Once the divorce financial analysis is complete, the next step is building a plan for your future. After your CDFA® engagement is concluded—or if you’re seeking ongoing financial advice from an advisor who specializes in divorce and retirement—we offer personalized wealth management and financial planning through our affiliation with Consolidated Planning and Park Avenue Securities. Post-divorce planning ensures you stay on track for independence and long-term stability.

• Financial Planning for Women After Divorce

Create a sustainable post-divorce budget and savings plan tailored to your new lifestyle.

• Wealth Management & Investments

Manage and grow your retirement accounts, brokerage accounts, and other investments with confidence.

• Financial Education & Confidence-Building

Learn the tools and strategies you need to make strong financial decisions independently.

Our goal is to help women build long-term financial independence and create a strategy that reflects your new reality after divorce. With tailored advice, you can make confident decisions about your money and protect your financial future.

• Investment Advice Tailored to Your New Situation 

We create an investment strategy designed specifically for your post-divorce goals, risk tolerance, and lifestyle needs—so you can grow your wealth with confidence.

• Retirement Planning After Divorce

From IRAs to pension income, we help you restructure and maximize your retirement accounts to ensure you stay on track for long-term stability.

• Tax-Smart Strategies

Our planning includes tax-efficient approaches to settlements, investments, and withdrawals—helping you preserve more of your wealth and avoid surprises.

• College & Education Planning

We design practical strategies to fund your children’s or grandchildren’s education while balancing your own financial goals.

• Estate & Legacy Planning

Divorce often requires updating your estate plan. We help you revise beneficiaries, protect assets, and plan for the legacy you want to leave.

• Insurance Protection

Safeguard your income and independence with life, disability, and long-term care insurance designed to protect you through life’s changes.

Whether you are newly divorced and redefining your financial future, or simply want a long-term professional to manage your wealth, our specialized guidance helps you grow with clarity and confidence.

Your financial future doesn’t have to feel uncertain. Whether you’re preparing, negotiating, or moving forward, Smart Divorce Decisions, LLC is here to guide you every step of the way.  Take the first step toward clarity, confidence and control.