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Going Through Divorce?

Breakdowns and separations are part of life. For better or worse. All emotion aside, it is imperative that you have a clear understanding of the financial impacts of your martial breakdown and what can be done to ensure you are in the best financial state moving forward. If you are currently in the midst of a separation and require financial guidance, contact us directly here.

Certified Divorce Financial Analyst

Ken received his Certified Divorce Financial Analyst™ (CDFA™) designation in February 2014.

A CDFA™ is a financial professional who has met the specific educational and experience requirements to receive the designation from the Institute of Divorce Financial Analysts™ (IDFA™). CDFA’s receive special training in divorce-related financial issues.


Ken’s combination of personal experience, 34 years as a successful Wealth Advisor, and his CDFA™ designation, uniquely position him to understand the impact divorce can have on your financial well-being. This provides Ken with a better understanding of the specific circumstances effecting clients going through divorce, and he brings that knowledge to the investment advice and financial planning services we provide clients navigating divorce.   

How a CDFA professional can help divorcing individuals

For most individuals the financial ramifications of a divorce are significant, and often include the division of real estate, financial assets, and at times pension plans and future liabilities. Financial decisions must be made that not only take care of immediate family needs, but retirement needs as well. With the benefit of our team’s financial planning and investment advice, you can better understand the long term impact of a divorce settlement and model different scenarios through a Scotia Wealth Management Financial Plan. A CDFA can help you better assess the offer on the table, by projecting the financial impact years out to determine if the settlement is acceptable.


There is no better time to consider your future financial needs and the ability to fund them, than when decisions need to be made. We can help you get a clearer view of your financial future. With proper planning and expert help from professionals, you can increase your chances of arriving at a settlement that addresses your long-term financial needs.


Reasons to work with a CDFA

Financial analysis conducted early in the divorce process can save time.

In the beginning stages of the process, both parties spend a great deal of time trying to get a clear understanding of the financial impact of the separation.

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. CDFA professionals can educate their clients by providing a thorough knowledge and understanding of the often-complicated financial decisions.


A CDFA can help his/her clients avoid long-term financial pitfalls related to divorce agreements.

A CDFA professional can forecast the long-term financial effects of the divorce settlement. 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.


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.

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