CDFA® Divorce Services

CDFA CASELOAD IS CURRENTLY FULL -  AS OF JUNE 10, 2025: 

Due to current client commitments and an active caseload, Teresa McAlpine is not accepting new CDFA® case consultations at this time. This pause ensures I can continue to provide the depth of care and attention each client deserves. I appreciate your understanding and invite you to check back for future availability.

Divorce Financial Planning

Compassionate Guidance for Your Financial Fresh Start

Divorce is not just an emotional transition, it is a significant financial one. The decisions you make during this time can have lasting consequences on your financial health, stability, and future goals. That is why working with a Certified Divorce Financial Analyst® (CDFA®) like Teresa McAlpine can be one of the most valuable steps you take during the divorce process.

As a CDFA® professional, Teresa combines deep financial expertise with compassionate support to help you navigate the complexities of divorce with clarity and confidence. She understands that this is more than just dividing assets; it is about rebuilding a strong financial foundation and making informed decisions that protect your long-term well-being.

What You Can Expect:

She provides specialized financial guidance tailored to the unique challenges of divorce, including:

  • Distinguishing Marital vs. Personal Property
    Understand what is legally considered joint property versus what is individually owned, and how that affects equitable distribution.

  • Valuing and Dividing Complex Assets
    Receive support in identifying, evaluating, and fairly dividing financial accounts, real estate, and other assets.

  • Retirement Plans and Pension Analysis
    Learn how to handle the division of retirement accounts, pensions, and qualified domestic relations orders (QDROs), while considering long-term income needs.

  • Spousal and Child Support Planning
    Get clarity on how support payments are calculated, how they affect your budget, and how to project their impact over time.

  • Evaluating the Home and Housing Options
    She can help you explore the true cost of keeping or selling the family home and consider the tax and affordability implications of each choice.

  • Tax Considerations and Strategies
    Divorce can trigger unexpected tax outcomes. She can help you anticipate potential liabilities and develop strategies to manage risk and increase post-divorce financial confidence.

Financial Clarity Through Every Stage

Whether you are in the early stages of considering divorce, in mediation, or finalizing a legal settlement, Teresa will work alongside your attorney or mediator to:

  • Create realistic post-divorce budgets and cash flow projections

  • Analyze settlement options for short- and long-term impact

  • Help you make informed, confident decisions about your financial future

  • Provide post-divorce financial planning as you transition to a new chapter

A Clear Plan for the Road Ahead

Teresa McAlpine offers the support, strategy, and education you need to move forward with strength. With a calm, judgment-free approach, she helps you see the full financial picture so you can make empowered decisions that reflect your values and protect your future.

You do not have to go through this alone. We’re here to walk with you — with expertise, empathy, and integrity.

 

CDFA CASELOAD IS CURRENTLY FULL -  AS OF JUNE 10, 2025: 

Due to current client commitments and an active caseload, Teresa McAlpine is not accepting new CDFA® case consultations at this time. This pause ensures I can continue to provide the depth of care and attention each client deserves. I appreciate your understanding and invite you to check back for future availability.