Divorce Services

Merit has been in the business of helping women to take control of their financial future for over thirty years. Our team of professionals includes Certified Divorce Financial Analysts™ and CERTIFIED FINANCIAL PLANNERS™ with a wealth of knowledge and experience, working collaboratively to support you before, during and after your divorce.

Our Divorce Strategies service was created to provide the specialized expertise needed to guide you, step-by-step, through the financial implications of your divorce and to help you put your life on the right track. Our goal is to help you achieve financial confidence by taking control of your financial future.

Whether you are contemplating a separation or divorce, or are in the midst of negotiating a settlement, divorce financial planning can be critical to helping to ensure these and other important considerations are adequately addressed, including your:

Standard of living
Retirement planning
Lifestyle goals
Risk management/Insurance
Income sources
Estate planning
Investment management
College planning

Our array of financial services are centered on your personal growth and personal goals.

Financial Planning

At Merit, we take the time to get to know you and understand your circumstances and goals.

Financial Planning

Our approach to divorce financial planning leverages our comprehensive planning process which adheres to the high standards and guidelines outlined by the CFP Board of Standards, Inc. Code of Ethics.
We begin by conducting an in-depth lifestyle and cash flow analysis, including a thorough review of your investment portfolio.
We help you organize your finances to obtain a clear picture of where you are today.

Detailed Scenario Planning

Using industry-leading financial planning software, technology and tools, we help you plan for multiple settlement scenarios. Scenario planning can help provide the critical information you need before you enter an agreement with your spouse, including:

Identifying the sources of income that will support your lifestyle now and in retirement.
Prioritizing financial and lifestyle goals and desires.
How long your income may last.
How changing economic and market conditions may impact your settlement over time.
The tax consequences of different settlement options.

Value-based Strategies

We develop financial strategies with you – not simply for you. Our collaborative approach differentiates us from many financial advisors as we work with you to develop strategies that are a true reflection your priorities, goals and values.

Ongoing Guidance

We provide the unbiased advice and guidance you seek on an ongoing basis as you pursue important goals for retirement, educating your children, managing your insurance needs and other important aspects of your life and finances.

LPL Financial and Merit Financial Advisors do not provide legal advice. Your Merit Advisor can provide you with a referral to one of our outside legal professional we collaborate with for the benefit of our clients, or we can work with your attorney(s) to help coordinate the advice you receive as we develop your financial plan.

Client Services

We help clients stay focused on the big picture while understanding the details, knowing their finances and negotiating for what they need and want. We work with divorcing individuals to provide clarity on the critical financial issues that arise before, during and after divorce.

Client Services

Responsibilities to our clients include:

Divorcing Individuals:

Educate you on your finances to create a clear view of the path ahead
Gather and assess financial assets and liabilities for your statement of net worth/financial affidavit
Categorize and review historical spending patterns
Determine and document separate and marital assets
Locate hidden assets and trace funds moved between accounts
Document marital standard of living
Review financial statements and tax returns
Prioritize personal financial goals and responsibilities
Project anticipated financial needs
Review public and private sector retirement plans
Review and evaluate employee benefits (including stock options and restricted options)
Collect, analyze and review insurance policies (Term, Whole Life, Buy-Sell)
Analyze and review executive compensation plans
Project post-divorce household funding requirements
Compare, contrast and tailor a settlement that fully addresses current and long-term financial needs

Post-divorcing Individuals:

Execute strategic financial plan
Update financial plans as required
Assist the wealth management group in identifying and implementing our clients’ post-divorce financial goals
Monitor and provide support to effectuate the terms of settlement agreements and divorce judgments

Each divorce is different and no two follow exactly the same path. Whether the divorce was your idea or you suddenly find yourself going down a road you never wanted to travel, you should be aware of all the issues involved for reaching the best outcome. Divorce raises tough questions. We have the answers.

Attorney Services

Divorce can be one of the most stressful processes a client ever goes through. Because you want to ensure your client’s case is prepared with every advantage possible, Price Financial Group will put our experience to work at every step to help you achieve a fair, financially equitable divorce settlement.

Attorney Services

Put our professional divorce financial expertise to work for your clients.

Our team assists attorneys in compiling and evaluating the often vast detailed financial information inherent to divorce: we’ll review all documents, statements and records to corroborate every budget expense and ensure your client’s financial declaration will advocate their case. We will present you with compelling specific case exhibits and provide reliable expert witness testimony if a case goes to court. In addition, we perform in-depth research so clients can be confident they have a comprehensive financial plan that is just as effective before, during and after the divorce settlement.

Depending on your preferences and the sensitivities of your clients, we can work side-by-side with you as an integral part of your client team, or provide our full range of services discreetly behind the scenes.

We provide:

Lifestyle analysis (for accurate expenses history)
Projected Needs Analysis (future budgeting and immediate cash flow needs)
Net Worth Statement Preparation
Review and analysis of corporate benefits, deferred compensation and pension plans
Life insurance securitization calculations

Divorce Services

Merit Financial Advisors

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