Facing Military Divorce? Here’s How a CDFA® Can Help

Military divorce can come with unique questions that civilian divorces may not involve. Military retirement benefits, the Thrift Savings Plan (TSP), survivor benefits, healthcare, disability-related income, taxes, and military-specific rules can all affect the decisions made during divorce.

When you are already dealing with the emotional side of ending a marriage, trying to understand how all of these pieces fit together can feel overwhelming.

That is where a Certified Divorce Financial Analyst® (CDFA®) can help.

Understanding Military Retirement and Benefits

Military retirement is often one of the biggest concerns in a military divorce. Questions may arise about how much of the retirement benefit was earned during the marriage, how it may be divided, and what rules such as the 10/10 rule or the Frozen Benefit Rule could mean in your situation.

There may also be decisions involving:

• Military pensions and retirement benefits

• TSP accounts

• Survivor Benefit Plan considerations

• Healthcare and insurance

• The marital home and other assets

• Taxes and future living expenses

• Marital versus separate property

Having someone who can organize and explain these details can make the process feel much more manageable.

Looking Beyond the Settlement

A settlement can look fair on paper without necessarily working well in everyday life.

For example, one spouse may keep more equity in the home while the other receives more retirement assets. Although the values may appear similar today, the long-term impact can be very different once taxes, future income, housing costs, and retirement needs are considered.

A CDFA® can help compare different settlement options and show how those decisions may affect your future.

How We Can Help

At Divorce Financial Consultants, we help military members, veterans, and military spouses better understand the financial side of divorce.

LaShaun Shelby, MBA, CDFA®, CFP® can help organize information, evaluate retirement and other assets, review settlement options, and explain complicated financial topics in understandable language.

A CDFA® does not replace your attorney. Instead, we can work alongside your legal team to provide additional analysis and clarity as you make important decisions.

As the wife of an Army veteran and a civilian employee supporting the military community, LaShaun also brings a personal understanding of military life and the transition to civilian life.

You Don’t Have to Figure It Out Alone

Military divorce can feel complicated, but having the right information can help you approach the process with greater confidence.

If you are a service member, veteran, or military spouse facing divorce, Divorce Financial Consultants is here to help you understand your options and prepare for what comes next.

Schedule your complimentary 30-minute consultation with LaShaun Shelby today by calling (520) 738-5897.

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