Do You Need A Divorce Financial Analyst?


Mary Elias What is Divorce Financial Analysis?

A divorce financial analyst is a well-trained individual who analyzes and addresses a vast area of financial issues that arise when couples divorce.

Divorce financial analyst help both the client and their attorney understand how the financial decisions made today will impact the client’s financial future.

A Certified Divorce Financial analyst (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. The CDFA™:

  • Becomes part of the divorce team, providing litigation support for the lawyer and client, or becomes a member of a Collaborative Law team.  In either event, the CDFA™ will be responsible for:
    • Identifying the short-term and long-term effects of dividing property.
    • Integrating tax issues.
    • Analyzing pension and retirement plan issues.
    • Determining if the client can afford the matrimonial  home – and if not, what might be an affordable alternative.
      Evaluating the client’s insurance needs.
    • Establishing assumptions for projecting inflation and rates of return.
    • Bringing an innovative and creative approach to settling cases.

The Certified Divorce Financial Analyst™ also:

  • Provides the client and lawyer with data that shows the financial effect of any given divorce settlement.
  • Appears as an expert witness if the case should go to court, or in mediation or arbitration proceedings.
  • Is familiar with tax issues that apply to divorce.
  • Has background knowledge of the legal issues in divorce.
  • Is trained to interview clients so as to:
  • Collect financial and expense data.
  • Help client’s identify their future financial goals.
  • Develop a budget.
  • Set retirement objectives.
  • Determine how much risk they are willing to take with their investments.
  • Identify what kind of life style they want.
  • Determine the costs of their children’s education.



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Mary Elias is a Certified Management Accountant (CMA) and a Certified Divorce Financial Analyst (CDFA) who works with individuals and attorneys to assist with gathering all the information to identify the net worth of the couple and to help identify the marital versus non-marital assets and liabilities, prepare the lifestyle analysis, income analysis, completion of the mandatory financial affidavit, preparing of a household budget and much more. She assists divorcing women and men with setting realistic expectations, preventing financial mistakes and making crucial decisions. By empowering them with the knowledge they can make better decisions before, during and after their divorce. It was through her own 3 ½ year divorce that she became passionate about helping others with their finances in a divorce. You can contact Mary at or visit her website at