Divorce is hard - that much is true - How do you know you are confidently making the right, long term decision? Support from a CDFA may be a step in the right direction.

1. Financial Planning for Your Divorce
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Financial Planning for Your Divorce
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Financial Planning for
Your Divorce
“Financial Education for What Matters Now”
Divorce is hard. That much is clear. How do you know if you’re making the right decisions for your
future? As a Certified Divorce Financial Analyst™, I have specialized training to support you and
your attorney during this critical time.
801‐620‐0586
195 Historic 25th
Suite 302
Ogden, UT 84401
www.davisfinancialllc.com

2. Financial Planning for Your Divorce
  
Financial Planning for Your Divorce
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Why should I work with a CDFA™?
1)Financial analysis conducted early in the divorce
process can save time.
The average length of the U.S. divorce process is one year. In the
beginning stages of the process, both parties spend a great deal of time
trying to get a clear understanding of the financial aspects and
terminology of the separation. A Certified Divorce Financial
Analyst® (CDFA™) professional can explain all financial aspects of the
pending decisions and help to empower their client to make educated
decisions throughout the proceedings.
2) A CDFA™ can help their client save money
during the divorce process.
By using a CDFA™ professional, you can have a clearer view of your
financial future. Only then can you approach a legal settlement that fully
addresses your financial needs and capabilities. A legal settlement that
floats back and forth between attorneys, without the client having a clear
understanding of all financial ramifications, can be detrimental, time
consuming and expensive. CDFA™ professionals can educate their clients
by providing a thorough knowledge and understanding of the often‐
complicated financial decisions.
3) A CDFA™ can help his/her clients to avoid long‐
term financial pitfalls related to divorce
agreements.
Working with a client and their attorney, a CDFA™ professional can
forecast the long‐term effects of the divorce settlement. This includes
details of all tax liabilities and benefits. Developing a long‐term forecast
for their financial situation is far better than a short‐term snapshot.
Financial decisions must be made that not only take care of immediate
family needs, but retirement needs as well.
Joseph A. Davis, CDFA™
President
CA #0100447
jdavis@davisfinancialllc.com
As a CDFA™ I can support you in the
following areas:
 Strategist/Litigation
Support
 Financial Specialist
 Data Collector/Budget
Preparer
 Client Expectations
Manager
Contact us for an unbiased
evaluation of your needs.
Complimentary Discovery
Session

3. Financial Planning for Your Divorce
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Financial Planning for Your Divorce
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4) CDFA™ professionals can assist their clients with developing detailed
household budgets to help avoid post‐divorce financial struggles.
A CDFA™ professional can help clients think through what the divorce will really cost in the long run and
develop a realistic monthly budget during the financial analysis process. Expenses such as life insurance, health
insurance and cost of living increases must be taken into consideration when agreeing on a final financial
settlement.
5) Using a CDFA™ professional can reduce the amount of apprehension and
misunderstanding about the divorce process.
Misinformation and misconceptions about the divorce process can be detrimental. Many have false
expectations that they will be able to secure a divorce settlement allowing them to continue with their
accustomed style of living. Financial divorce analysis helps to ensure a good, stable economic future and
prevent long‐term regret with financial decisions made during the divorce process.
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Where do I start?
o We are here to listen and discuss what is on your mind. We start with a 20‐minute
conversation (in person or remote)
o Contact us for an unbiased evaluation of your needs. Complimentary Discovery Session
Securities offered through Securities America, Inc., Member FINRA/SIPC. Joseph Davis, Registered
Representative. Advisory services offered by Beam Asset Management. Joseph Davis, Investment
Advisor Representative. Davis Financial LLC, Beam Asset Management, and Securities America, Inc. are
separate, unaffiliated entities. CA Insurance Lic. #0I00447.