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Financial Expertise for Your BEST Outcome in Divorce

As a Certified Divorce Financial Analyst® with nearly two decades of experience in financial planning, I specialize in supporting divorcing couples in creating fair and equitable settlements and effectively managing the division of their marital estate.

Focus on what matters most.

Focus on what matters most.

I am here to guide you through divorce with creativity, expertise, and a commitment to ensuring that you and your ex will both be OK.

What is a CDFA®?

Certified Divorce Financial Analysts are specialists in unraveling the intricate financial complexities of divorce. With training focused on analyzing financial aspects, I provide guidance on asset division, spousal support, child support, tax implications, and overall post-divorce financial planning.

Collaborating closely with divorce attorneys, my role is to ensure clients make informed decisions that align with their long-term financial well-being. From crafting financial projections to evaluating settlement options, my approach is comprehensive and strategic, aiming to secure fair and sustainable financial outcomes during and after divorce.

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After his divorce, David went to a financial advisor to determine how to best position his assets. Together, David and his planner decided to do a total financial plan for him. During the planning session, it became apparent that during his marriage his wife had done all of the investing. She chose all the investments, made all the decisions, and invested all the money.

At the time of their divorce she said, “Let’s just split everything 50/50. You take this half of the assets and I will take that half. Is that OK?” David answered, “Well, I guess that sounds pretty fair. That’s OK with me.”

Unfortunately, there was something he neither knew nor understood; neither did his lawyer, and neither did the judge. They didn’t realize that David would have to pay taxes on his half of the assets when he tried to access them. His ex-wife, on the other hand, could access her half of the assets tax-free. His 50/50 split cost him an additional $18,000 in taxes. Had David met with a CDFA® before the divorce was finalized, he would have been in a better position to ask for a more equitable settlement.


This parable has an unfortunate ending, but pre-divorce financial counseling can help people going through a divorce arrive at a settlement that is fully understood by all involved.

What's the Difference?

Financial Planners: Goal-Driven Financial Guidance

Financial planners work towards clients' financial goals, whether in divorce, single or happily married. By identifying and reviewing goals, they assess current assets and liabilities, make assumptions, and regularly review scenarios for adjustments. Financial planners focus on financial results based on assumptions today, helping clients move steadily toward their objectives over time.

Accountants: Present-Day Financial Examination

Accountants examine present-day scenarios, often involved in calculating taxes related to property division, child support, and spousal support over a short term. Unlike CDFA professionals, they typically do not project into the distant future and may perform audits or detailed forensic accounting for specific purposes.

Lawyers: Legal Advocacy for Optimal Outcomes

In divorce, lawyers ethically advocate for optimal legal outcomes, concentrating on asset division, spousal support, and child custody within established legal parameters. While they address legal aspects with tax implications, lawyers collaborate with CDFA professionals and/or CPAs for comprehensive planning, emphasizing the symbiotic relationship between legal and financial expertise.

CDFA’s Role: Bridging Financial Understanding

Certified Divorce Financial Analysts bridge financial understanding within the divorce process. A CDFA is someone who comes from a financial planning, accounting or legal background and goes through an intensive training program to become skilled in analyzing and providing expertise related to the financial issues of divorce and possess expertise in tax issues relevant to divorce. 

CDFA professionals become integral members of the divorce team, providing critical data to clients and lawyers, litigation support, joining Collaborative Law teams, or appearing as expert witness. Their responsibilities include identifying the financial effects of property division, integrating tax considerations, evaluating insurance needs, and contributing innovative approaches to settlement. 

The role of the CDFA is to assist the client and his/her lawyer to understand how the financial decisions he/she makes today will impact the client’s financial future.

Divorce Services

Divorcing Individuals

Divorcing Individuals

Each divorce is different and no two follow exactly the same path. Whether the divorce was your idea or you suddenly find yourself going down a road you never wanted to travel, you should be aware of all the issues and options available for achieving the best outcome. Divorce raises tough questions. We have the answers.

Post Divorce Individuals

Post Divorce Individuals

Divorce can be a crash course in understanding finances that can be overwhelming for even the most financially sophisticated. Once your settlement is final, we'll help you design and execute smart, strategic plans to manage your money -- whether you receive it as a lump sum, scheduled payments, or a combination.

Attorney Services

Attorney Services

We assist attorneys in compiling and evaluating the often vast detailed financial information inherent to divorce: we’ll review all documents, statements and records to corroborate every budget expense and ensure your client’s financial declaration will advocate their case. 

A CDFA is the financial neutral that is needed to facilitate the best outcome. 

Complimentary Strategy Call!

Experience a Seamless Divorce Journey

We understand the laws that shape divorce proceedings and the impact they can have on your assets. Since protecting your financial health during this time is crucial, we’ll make sure no details are overlooked.

Comprehensive Financial Assessment

Comprehensive Financial Assessment

 We'll begin by conducting a thorough review of your financial landscape. We assist you in gathering and organizing essential documents, identifying assets, and analyzing debts to ensure a comprehensive understanding of your financial picture.

Personalized Asset Valuation

Personalized Asset Valuation

With a focus on fairness and equity, we meticulously value marital assets, ranging from real estate and investments to business interests and personal property. Our goal is to empower you with a clear assessment, facilitating informed decisions during property division.

Strategic Income & Expense Analysis

Strategic Income & Expense Analysis

Navigating the complexities of income and expenses is crucial. We'll analyze income sources, expenditure patterns, and potential financial adjustments. This process aids in determining spousal support and child support calculations, ensuring financial stability post-divorce.

Tax-Efficient Financial Planning

Tax-Efficient Financial Planning

Understanding the tax implications of divorce decisions is paramount. We guide you through potential tax consequences, providing insights for tax-efficient settlements on retirement assets, investments and real property. Our expertise ensures that your financial choices align with your long-term goals, minimizing tax liabilities.

Empowering Financial Futures

Empowering Financial Futures

Beyond the divorce decree, we will help you plan for the future. We assist in creating post-divorce budgets, offering financial education, and supporting you as you transition to a new financial chapter. Our commitment is to empower you for a secure and prosperous future.

Take the first step toward a different kind of divorce.

Schedule a FREE Strategy Session today - only 10 sessions available each month.

Explore the right solutions.

Review your financial situation.

Map out a plan for the future.

Identify fears.

Connect with the resources you need.

Complimentary Strategy Call

Amy Million, CDFA®, AAMS®, BFA™ is  NOT AN ATTORNEY AND DOES NOT PROVIDE LEGAL ADVICE.

All information she provides is financial in nature and should not be construed or relied upon as legal or tax advice. Individuals seeking legal or tax advice should solicit the counsel of competent legal or tax professionals knowledgeable about the divorce laws in their own geographical areas.

Divorce financial planning is a fee-only process that does not involve investment advice, securities or insurance transactions and is offered through Modern Divorce Solutions, LLC, a separate company under common ownership with Million Wealth Management, LLC.

 Fees are hourly. Our work adheres to the Code of Ethics of the Institute of Divorce Financial Analysts, ensuring you receive the highest standard of service.

Modern Divorce Solutions, LLC

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