Divorce Financial Planning

Divorce Financial Planning

Hortin Divorce Services offers the creative options, financial analysis and strategies necessary to ensure you obtain the most financially advantageous settlement possible.

Hortin Divorce Services provides education and support for our clients during difficult decision making processes in order to facilitate rational and informed conclusions. We believe Comprehensive Reporting, Analysis to include the effects on government benefit eligibility, Planning and Strategy are key building blocks for Intelligent Decision Making Processes.

  • We help clients understand the short- and long-term financial consequences of settlement options.
  • We help level the playing fields when one party feels at a disadvantage due to lack of financial knowledge or experience.
  • We help gather the data needed to make fully informed and intelligent decisions.
  • We help our clients understand the potential effects that a divorce settlement will have on a special needs child’s government benefits.
  • We help our clients and their attorneys strategize and build creative options to complicated settlement issues.
  • We help build complete and accurate pictures of the family financial dynamic.
  • We help conserve precious emotional and financial resources.
  • We help our clients plan for financial  independence post-divorce and provide clarity for your Financial Future.

We regularly provide the following:

  • Net Worth Statements: data gathering and creation of detailed Net Worth statements providing detailed guide to negotiations of asset and debt division.
  • Cash Flow Analysis: detailed budget and needs analysis including analysis of marital standard of living and assistance.
  • Income and Tax Projections: income tax planning, dependent exemption and support scenario comparisons, tax return and earning history reporting and analysis of income available for support.
  • Pension Benefit Valuation and Analysis: defined benefit and defined contribution plan valuations, community property valuations, and analysis of immediate asset offset or plan division through Qualified Domestic Relations Oder (QDRO).
  • Asset Division Strategies and Tracking: detailed reporting and tax consequence analysis of asset division distributions including assistance with and tracking of qualified distributions, unbiased and creative strategies to overcome difficult roadblocks to asset division and modeling of fiscal impact to family financial picture.
  • Risk Assessment and Insurance Strategies: Placement of life insurance as security for child and spousal support.
  • Special Needs Trust: Use of special needs trust to protect government benefit eligibility.
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