How to Prepare for Divorce: Financial Analyst + Coaching Support for Confident Negotiations and Better Settlements | Complete Divorce Prep Package

So excited to be joining forces with C.D.F.A.and financial powerhouse Josephti Cruz!

When you're facing divorce, the financial aspects often create the most anxiety. Not because they’re complicated (though they can be), but because they represent something much deeper: your future security, peace of mind, and ability to move forward with confidence.

“Will I be okay financially?”

“Can I keep my home?”

“What will happen to my retirement?”

These questions don’t just occupy your thoughts during the day—they’re the ones keeping you awake at 3 AM, cycling through your mind when you’re trying to rest. I know because I’ve been there myself.

Why Financial Clarity Matters More Than You Think

Financial concerns consistently rank as the number one source of stress during divorce proceedings. This isn’t surprising when you consider what’s at stake: not just your current lifestyle, but your long-term financial wellbeing.

What many people don’t realize is that divorce financial planning isn’t just about dividing assets—it’s about creating a sustainable foundation for your next chapter. Decisions made during this emotionally charged time will impact your financial reality for years, even decades to come.

That’s exactly why I’m thrilled to announce my newest coaching offering: a comprehensive solution that addresses both the emotional and financial dimensions of divorce.

Introducing: The Ultimate Divorce Prep 8-Week Coaching Package PLUS CDFA Financial Analyst

This exclusive package combines my established 8-Week Ultimate Divorce Prep Coaching program with the expert financial analysis and guidance of a Certified Divorce Financial Analyst (CDFA).

It’s the perfect partnership: emotional support and practical guidance paired with specialized financial expertise focused specifically on divorce scenarios.

The Real-World Impact of Working with a CDFA

Let me share a recent client success story that highlights exactly why this combination is so powerful.

Gabby came to me feeling overwhelmed and uncertain about her financial future. After going through the Ultimate Prep PLUS package, here’s what she shared:

“Working with you and CDFA Josephti Cruz not only helped me feel prepared and confident going into mediation, I also understood what assets I was entitled to, discussed multiple settlement options to propose, and even found out that over $200,000 of assets I had were premarital, and therefore weren’t a part of our equalization!”

Gabby’s experience isn’t unusual. Research consistently shows that people who work with financial professionals during divorce typically secure better long-term outcomes.

Four Critical Ways Financial Analysis Transforms Your Divorce Experience

1. Expert Settlement Insights

A CDFA analyzes your complete financial picture and helps you understand the various settlement options available—before you head into negotiations. This means you’re making decisions from a position of knowledge rather than uncertainty.

2. Uncovering Hidden or Overlooked Assets

Many assets get overlooked in standard divorce proceedings simply because most people don’t know to look for them. Professional financial analysis reveals what might otherwise be missed—like the $200,000 in premarital assets Gabby discovered.

3. Long-Term Financial Projection

What seems like a fair split today might leave you financially vulnerable years down the road. A CDFA projects the long-term implications of different settlement options, helping you see beyond the immediate division to understand how your financial picture will evolve over time.

4. Strategic Tax Planning

Different settlement structures can dramatically affect your tax situation for years to come. Understanding these implications can significantly impact your negotiation strategy and potentially save you thousands in future tax liability.

Meet Your Financial Guide: Josephti Cruz, CDFA

I’m particularly excited to introduce my partnership with Josephti Cruz, founder of Cover Your Assets and a seasoned Certified Divorce Financial Analyst with over 25 years of experience in financial planning and investment management.

Josephti brings more than just professional expertise to her work—she brings personal understanding. As she explains:

“As a CDFA who went through divorce firsthand, I understand that financial empowerment isn’t just about numbers—it’s about creating a future where you can thrive, not just survive.”

Her approach combines meticulous financial analysis with compassionate guidance, ensuring you not only receive expert recommendations but also truly understand the implications of every financial decision.

What’s Included in This Comprehensive Package

This exclusive offering combines all the benefits of my established 8-Week Ultimate Divorce Prep Coaching Package with specialized CDFA services, including:

• Two Hours of In-Depth Financial Analysis:

  After completing the financial tools and spreadsheets we create during the 8-week program, Josephti provides comprehensive diagnostic analysis giving you complete clarity on assets, debts, income, and expenses.

  
  

• A 60-Minute Financial Assessment:

  Work directly with Josephti to evaluate your current situation and establish clear financial goals for your divorce settlement negotiations.

  
  

• Strategic Settlement Guidance:

  Receive expert recommendations on settlement options specifically designed to protect your long-term financial wellbeing.

  
  

• Access to Vetted Financial Professionals:

  Connect with additional resources and specialists selected to support your specific situation.

All of this works in perfect harmony with the coaching, emotional support, and practical guidance provided in the Ultimate Divorce Prep Package.

Is This Enhanced Package Right for You?

This comprehensive approach is especially valuable if:

• You want expert input in crafting a settlement that makes financial sense for your long-term security

• You’re looking to potentially save thousands in legal fees by being thoroughly prepared before mediation or court

• You need confidence that you’re making sound financial decisions during an emotionally challenging time

• You want to understand how divorce will impact your retirement and create a plan to achieve your financial goals

• You’re seeking a financial advocate who can guide you toward a secure future

Real Financial Confidence Comes from Preparation

The most valuable aspect of this package isn’t just the expert guidance—it’s the confidence that comes from knowing you’re prepared for divorce negotiations and are making informed decisions about your financial future.

Divorce creates enough emotional whiplash without adding financial uncertainty to the mix. By investing in proper financial analysis and guidance, you’re essentially buying peace of mind: the knowledge that you’ve considered all relevant factors and made decisions that support your long-term wellbeing.

Invest in Your Financial Future

If you’re serious about protecting your financial wellbeing through divorce and beyond, Josephti and I are offering a limited number of spots for the Ultimate Divorce Prep Package PLUS CDFA Financial Analyst at a special rate of $2,750.

This investment often pays for itself many times over through:

• More favorable settlement outcomes

• Reduced legal fees from better preparation

• Avoidance of costly financial mistakes

• Long-term tax savings

• Faster resolution of financial issues

Most importantly, it provides something that’s harder to quantify but invaluable during this challenging time -- confidence and clarity about your financial future.

Your Next Step Toward Financial Clarity

Divorce is challenging enough without financial uncertainty. Give yourself the gift of clarity, confidence, and control over your financial future.

To secure your spot in this comprehensive program, visit [our booking page] to reserve your place. With limited availability, I recommend acting promptly if this support aligns with your needs.

Here’s to your secure next chapter!

Have questions about whether this package is right for your situation? Book a free 15-minute strategy call to discuss your specific needs.

Frequently Asked Questions About Divorce Financial Planning:

What is a Certified Divorce Financial Analyst (CDFA)?

A Certified Divorce Financial Analyst is a financial professional specifically trained to analyze and provide guidance on the financial aspects of divorce. CDFAs understand the complex financial implications of divorce settlements, including tax consequences, retirement planning impacts, and long-term financial projections. Unlike general financial advisors, CDFAs specialize exclusively in divorce-related financial matters.

How does my Ultimate Divorce Prep PLUS CDFA package work?

This comprehensive 8-week program combines my divorce coaching with specialized financial analysis from CDFA Josephti Cruz. You'll receive eight weekly 60-minute coaching sessions with me covering all aspects of divorce preparation (emotional, practical, administrative and financial), plus dedicated time with Josephti for financial assessment and analysis. The CDFA component includes a 60-minute financial assessment session and two hours of comprehensive financial analysis using the tools and spreadsheets we create during our coaching program.

What's the difference between this package and working with a regular financial advisor?

Regular financial advisors focus on general wealth management and investment strategies. A CDFA specifically understands divorce law, settlement structures, tax implications of different asset divisions, and how to project long-term financial impacts of divorce decisions. This specialized knowledge is crucial for making informed decisions during divorce negotiations—something I've seen make a huge difference for my clients. Good news is, Josephti has extensive experience in both fields! Win-win.

How much can I expect to save by working with a CDFA during my divorce?

While results vary, my clients often save thousands through better settlement negotiations, reduced legal fees (due to being well-prepared), and avoiding costly financial mistakes. Many discover overlooked assets—like Gabby's $200,000 in premarital assets I mentioned earlier—that significantly impact their settlement. The package investment of $2,750 typically pays for itself through improved outcomes and strategic tax planning.

Is this package worth it if I'm having an amicable divorce?

Absolutely. Even in amicable divorces, complex financial decisions need to be made that will impact your future for decades. Working with a CDFA helps ensure that what seems "fair" today won't leave you financially vulnerable years from now. I've seen many amicable divorces benefit tremendously from expert financial guidance to create truly equitable settlements.

How long does the process take?

My Ultimate Divorce Prep coaching package spans 8 weeks with weekly 60-minute Zoom sessions between us. The CDFA financial analysis runs concurrently, with your initial assessment with Josephti early in our process and comprehensive analysis toward the end once we've completed all the financial tools together. This timeline allows for thorough preparation while keeping momentum toward your divorce goals.

What if I'm not sure whether to divorce yet?

This package is perfect for people at a "tipping point" in their marriage—I work with many clients in exactly this situation. My coaching helps you gain clarity on your situation while the financial analysis shows you exactly what divorce would mean for your financial future. Many of my clients find this information crucial for making informed decisions about their marriage.

Do you work with people in all states?

Yes, all my coaching sessions and Josephti's CDFA consultations are conducted virtually, allowing us to work with clients nationwide. Divorce financial principles apply across state lines, though specific laws may vary. Josephti and I have experience working with clients in various states and can adapt our guidance to your local requirements. The virtual format provides flexibility and convenience while maintaining the same high level of personalized service.

What if I have a complex financial situation with business ownership or significant assets?

Complex financial situations are exactly where CDFA expertise becomes most valuable. Josephti has over 25 years of experience in financial planning and investment management, with specific training in valuing and dividing complex assets. Her analysis includes strategic guidance on settlement options specifically designed to protect high-net-worth individuals—something I've seen be game-changing for my clients with substantial assets.

How soon can I get started?

Due to the personalized nature of this comprehensive program, we only take on a limited number of clients at a time. I recommend booking your free 15-minute strategy call with me as soon as possible to secure your spot and discuss your specific timeline needs.

What if I've already started the divorce process?

It's never too late to get proper financial guidance—I work with clients at all stages of the divorce process. Whether you're in early discussions, mediation, or court proceedings, a CDFA can help you understand your options and make better financial decisions moving forward. From my experience, the sooner you get expert analysis, the more options you'll have available.