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What Is a CDFA® — and Why You May Need One During Divorce

Michelle Leisen, , CFP®,CDFA®
Jun 30, 2025
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Divorce is more than just a legal separation—it’s also a major financial turning point. As you untangle years of shared income, assets, and debts, the decisions you make today will impact your financial well-being for years to come. That’s where a CDFA®—Certified Divorce Financial Analyst—comes in.

At Divorce Smart, we understand how overwhelming this process can feel. That’s why we combine divorce mediation with professional financial guidance to help you make smart, informed decisions during this critical time.

What Is a CDFA®?

A Certified Divorce Financial Analyst (CDFA®) is a financial professional trained specifically in the financial aspects of divorce. CDFAs receive specialized training in areas like:

  • Division of marital property
  • Tax implications of asset division
  • Retirement account evaluations
  • Spousal and child support calculations
  • Post-divorce budgeting and financial planning

Think of a CDFA as your personal guide through the financial fog of divorce. They work alongside mediators, attorneys, and clients to ensure that the financial settlement is fair, realistic, and forward-looking.

Why You May Need a CDFA® During Divorce

If you’re going through a divorce in Minnesota—or even just considering it—a CDFA® can help you:

Understand the Long-Term Financial Impact

Some assets look equal on paper but have very different long-term consequences. A CDFA® helps you avoid costly mistakes and anticipate future needs.

Make Informed Decisions

Dividing retirement accounts, managing shared debts, and deciding whether to keep the family home are huge decisions. A CDFA® provides clarity so you can move forward confidently.

Reduce Conflict During Mediation

As part of Divorce Smart’s mediation services, our CDFA® ensures both parties have a clear picture of the financial landscape. This reduces misunderstandings and supports more cooperative solutions.

Plan for Life After Divorce

Budgeting for a single-income household, revising insurance policies, and setting new financial goals are all part of the transition. A CDFA® helps you rebuild with stability in mind.

Why Choose Divorce Smart?

At Divorce Smart, we don’t just guide you through the legal process—we help you create a peaceful and financially sound future. As both a mediation firm and a CDFA®-led practice, we offer a unique blend of emotional support and financial expertise for couples divorcing in Minnesota.

Whether you’re just beginning to consider divorce or are already in the process, we’re here to help you make smart decisions with compassion and clarity.

Ready to talk?
Schedule a free consultation today to see how Divorce Smart can support your journey with thoughtful mediation and trusted financial guidance.

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Divorce Smart
Minnetonka, MN
About Author
Michelle Leisen, , CFP®,CDFA®
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Disclaimer

Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.

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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNERTM, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

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