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Certification

  • Certified Financial Planner® certificant in good standing
  • Certified Divorce Financial Analyst™ in good standing
  • Certifications and affiliations: Certified Divorce Financial Analyst™, Certified Financial Planner®, Certified Fraud Examiners – Associate Member, Mecklenburg County Collaborative Law Group – Financial Member.
  • Divorce Financial Planning – Proprietor, Charlotte, North Carolina. I have worked with over one thousand divorcing or separating clients. A majority of these clients required: Developing the Affidavit of Financial Standing from “source” documents, developing the Equitable Distribution Affidavit from “source documents”, developing the marital asset spreadsheet from “source” documents, grossed up alimony calculations, guideline or “out of guideline” child support calculations, identifying separate property vs. marital property, valuing and dividing marital property, tax effecting retirement assets and/or income, calculating to sell or not sell the marital residence.
  • IRS Registered Tax Return Preparer (RTRP)
  • Forensic Domestic Relations Service – I provide forensic financial services for domestic relations attorneys. This includes cash flow analysis of income, tax effecting for alimony, income vs. expenditure calculations, examination of and explanation of restricted stock, stock options, deferred compensation plans, SERPS and other means of compensation. Preparation of documents and testimony of ability to pay after deductions, testimony of actual needs based on source documents, fraud or hiding income analysis, lifestyle vs. income analysis. I prepare spreadsheets and testify regarding expendable income after application of tax requirements, tax status of liquidation of compensation plans, retirement accounts, expected income returns on stock liquidation and tax consequences. I provide health insurance cost information, determination of blended tax rates, interpretation of employment agreements, “Golden Parachutes”, and other benefits.
  • I am familiar with NC General Statutes regarding Equitable Distribution, Alimony, PSS, Child Support, Distributive Factors, Alimony Factors and have provided frequent affidavits and testimony in Family Court. I prepare, on behalf of clients, Financial Affidavits and ED Affidavits.”

Education

Education:
BA degree in Accounting
Masters Financial Planner Program at Queens College (now Queens University), Charlotte, North Carolina
Certified Financial Analyst Program

What is a CDFA?

  • A CDFA™ EXAMINES THE FINANCIAL ISSUES OF DIVORCE:
  • PERSONAL VS MARITAL PROPERTY
  • VALUING AND DIVIDING PROPERTY
  • RETIREMENT AND PENSIONS
  • ALIMONY AND CHILD SUPPORT
  • DIVIDING THE HOUSE
  • TAX PROBLEMS
  • VALUING A SMALL BUSINESS FOR PROFESSIONAL PRACTICE
  • APPROPRIATE CHOICE OF ASSETS
  • FINANCIAL “FUTURE” PROJECTIONS

CDFA™ “ROLE” IN THE DIVORCE PROCESS:

  • Act as a financial advocate or neutral.
  • Produce personalized financial DOCUMENTS (FA & ED, WRITTEN REPORTS, CHARTS AND GRAPHS) from “source documents” (Bank & credit card statements, investment statements, liability statements, tax returns) TAILORED TO THE CLIENTS SPECIFIC FINANCIAL SITUATION.
  • Provide written financial answers to the client’s attorney which assists in determining the best and fairest financial outcome for their client.
  • PROVIDE A WRITTEN EXPLANATION AND REPORTS IN LANGUAGE THE CLIENT CAN UNDERSTAND.
  • BENEFITS OF A CERTIFIED DIVORCE FINANCIAL ANALYST:
  • PEACE OF MIND THE SETTLEMENT IS FINANCIALLY EQUITABLE
  • HEARING AN OBJECTIVE VIEWPOINT IN AN EMOTIONAL SITUATION
  • GETTING EXPERT ADVICE ABOUT THE CLIENT’S FINANCIAL NEEDS