Divorce Services

Chesterfield & St. Louis Metropolitan Divorce Finance Services

Unfortunately, a large number of marriages end in divorce and when couples split, so do their marital assets. In general, each former spouse has rights to half of all property accrued during the marriage. Finances are one of the leading causes of divorce and if finances were an issue during the marriage then they will likely be an issue during divorce.

Here at Reliance Financial Services we not only assist clients directly, we also partner with attorneys and mediators to serve as the financial neutral. We assist individuals, attorneys and mediators in evaluating various financial settlements and seek to find the most equitable settlement for the divorcing parties. Please continue reading to learn more about the many benefits of enlisting a finance professional during the divorce process.

Certified Divorce Financial AnalystTM

A Certified Divorce Financial AnalystTM (CDFATM) is a finance professional that has been specially trained in divorce related financial matters. A CDFATM has undergone extensive training and passed several rigorous exams exhibiting aptitude in the finance and tax issues related to divorce. CDFAs work with individuals, couples, mediators, attorneys and CPAs assisting with the financial analysis associated with various settlement options. Here at Reliance Financial Services we have the training and certification to act as the financial advocate – we fill the role of the finance neutral.

Eliminating Fear and Uncertainty

We eliminate the fear and uncertainty associated with the financial side of divorce. We accomplish this by sitting beside our clients to evaluate their current situation, understand their future goals and project the path to achieving their best financial future. Our process allows clients to begin envisioning all the wonderful opportunities that lay ahead because they have a clear path forward.

We also reduce fears and uncertainty by making ourselves available to our clients; they are able to ask questions, voice concerns, and talk about their future dreams and aspirations. We strive to alleviate client’s worries by always making ourselves available.

We do more than just crunch the numbers. We help clients develop and understand the short and long-term ramifications of each divorce settlement option.

Client Benefits

Whether you are an individual, couple, mediator, attorney or CPA; working with a Reliance Financial Services CDFATM can help clients by:

Saving Time

A divorce can be a long process. Many litigious divorces can take at least a year to conclude. During this time, both parties have to put their lives on hold. Regardless of whether there is animosity between the former spouses, finances are very often a source of concern for the divorcing parties. The courts will need accurate records to make decisions about child support, alimony and property division. A Certified Divorce Financial AnalystTM can help reduce the time needed to file this paperwork, by working with a client to locate the proper financial records desired by most courts. The CDFATM will use this information to create a robust financial case that can be quickly and easily modified to evaluate multiple different “what if” scenarios. Having everything in order will not only save time, but also reduce stress.

Saving Money

Reliance Financial Services’ clients can also save money by utilizing our divorce services. First, the time saved accumulating financial records means less billable hours paid in attorney fees. We provide each client with a checklist for gathering the correct information and allow each client their own case login. As clients gather the appropriate information they can then save the documents to their file and our team receives notice that new information is available for entry. This means less billable hours gathering information and less travel time because clients are able to submit paperwork electronically.

Second, a CDFATM possesses the knowledge to analyze the state of both party’s finances to help clients make the right decisions. Divorcees often want to just get out of their current situation. Sometimes clients put their desire to “just get out of the marriage and move forward with life” ahead of sound financial evaluation. Such desires can put a client’s financial future in jeopardy. A CDFATM will be able to relieve the pressure by doing the long term thinking necessary to ensure adequate financial resources well into the future.

Helping Clients Consider All Ramifications

Few divorcing individuals, or even lawyers, are aware of all the potential ramifications of financial decisions. There are just too many possible outcomes. Only a financial expert has the ability to consider the vast array of positives and negatives that could result from decisions made during a divorce. For example, many divorcing couples face tax liabilities that undercut the value of their assets taken from a divorce settlement. It is important for divorcees to understand that 50/50 does not always equate to equitable or fair. It is important to understand impact to financial resources over time.

Helping Clients Face Reality

Our Reliance Financial Services divorce advisors are practical in nature. Our overall goal is to make sure that clients live better. One way is by helping clients work out realistic budget projections for the future. People need to know just how much they will have to live on after the divorce is final. This information provides peace of mind because clients are able to see their full financial outlook and its workability.

We are equipped, and trained, in conducting the financial activities associated with a divorce case, including:

  • Separate (non-marital) v marital property
  • Valuing and dividing marital property
  • Valuing and dividing retirement and pension plans
  • Evaluating feasibility and sensibility of keeping the house
  • Determining the best settlement based on short-term and long-term financial impact
  • Evaluating alimony and child support
  • Understanding tax implications associated with each settlement scenario
  • Avoiding some of the most common mistakes made by divorcing couples
  • Budgeting, planning and preparing for the next chapter

The optimal approach is to use our divorce financial services in conjunction with your professional legal advisor, mediator, or collaborative law team. We work well as an addition to any advisory team. While a lawyer can handle the court proceedings, they are not necessarily experts at financial decision-making. Leaving the important financial task to a Certified Divorce Financial AnalystTM is the best option for evaluating your best financial options.


We are not attorneys but we understand the state laws & their application to the complicated financial matters of divorce. Our goal is to complement your efforts, provide supporting financial analysis for the case and serve as a sounding board for divorce settlement strategies.  Clients typically misunderstand the financial realities of divorce which often results in heightened fear and anxiety.  We help ease client’s worries by walking them through the financial realities of the divorce.  We accomplish this by helping clients get organized, understand their current financial situation, and illustrate their long-term financial situation based on the divorce settlement options available.  We assist in managing client expectations and reducing the potential of future misunderstandings.  We can provide such assistance whether a divorce is being resolved via the mediated, collaborative or litigious avenue.

Our support of your legal services is flexible and we can begin at any stage of the divorce process – from pre-divorce planning to post-judgement.  Our partnership allows you to focus more of your time on the legal side of the divorce while we focus on the financial side.  Working together often provides cost savings to your client while maintaining case efficiency in your practice.  We also provide post-judgement support which ensures that all necessary changes, as outlined in the judgement, have been completed.

If you want to learn more about how Reliance Financial Services can help with the financial side of divorce please contact us today.  We are available to help nationally, as well as in Chesterfield, St. Charles, Ballwin, Ellisville, O’Fallon, Arnold, and the surrounding St. Louis Metropolitan Area.