Divorce Financial Planning
JDR Financial is a divorce financial planning firm based in Maumee, OH serving families throughout the Toledo metro area and nationwide. As a Certified Divorce Financial Analyst® (CDFA®), Josh Rochon helps you understand the financial tradeoffs of settlement options so you can move forward with a clearer picture of what different decisions may mean over time.
Divorce settlements aren’t just “split the assets.”
A settlement can look fair on paper, but the long-term result can vary significantly depending on how assets are titled, when they’re accessed, and the taxes attached to them. That’s why many people benefit from bringing a divorce-focused financial professional into the process early, not after everything is final.
What a CDFA® helps you evaluate
A CDFA® works alongside you (and, when appropriate, your attorney and other professionals) to help clarify the financial impact of proposed divorce terms. This may include:
Short- and long-term effects of dividing property
Tax considerations related to different asset types and settlement structures
Retirement plan and pension considerations
Home affordability analysis (keeping the home vs. alternatives)
Insurance needs review during and after divorce
Assumptions-based projections to compare scenarios (income, expenses, inflation, rates of return)
How JDR Financial Supports the Process
We provide data-driven clarity you can use to ask better questions and evaluate options with more confidence.
Pre-Divorce Financial Snapshot
We help you organize key information—assets, liabilities, income, and expenses—so decisions are based on a complete picture.
Scenario & Settlement Comparison
We model “near-term” and “longer-term” scenarios to help you understand tradeoffs (taxes, cash flow, retirement assets, and lifestyle implications).
Post-Divorce Transition Support
After the decree, we help you prioritize next steps such as retitling accounts, updating beneficiaries, and establishing an investment strategy aligned with your new goals.
Our Team Approach
Divorce is a legal process with financial consequences. We can coordinate with your attorney (and, when appropriate, your CPA and other professionals) to provide financial exhibits, scenario comparisons, and planning analysis that can support informed discussions.
Planning considerations during divorce
“Is a 50/50 split truly equal once taxes and liquidity are considered?”
“Can I afford to keep the home without creating pressure on my long-term plan?”
“What happens to retirement accounts, pensions, and benefits?”
“How might support arrangements affect cash flow over time?”
“What planning steps should I take right away after the divorce is final?”
Start your next chapter with clearer financial direction
Divorce can force major financial decisions at the same time you are carrying the emotional weight of change. We help you cut through the uncertainty with clear analysis, so you can negotiate from a position of strength and build a stable foundation for what comes next.
100% Confidential. No obligation.
Frequently Asked Questions
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A CDFA® is a financial professional trained to analyze the financial issues of divorce and help clients evaluate settlement scenarios and long-term implications.
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No. Legal advice comes from your attorney. Our role is financial analysis and planning support.
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We treat conversations as confidential and coordinate with other professionals only with your consent.