What is Davis Schuler & Associates, A CDFA Practice?

Davis Schuler & Associates, A CDFA Practice supports leads, CV requests, and QDRO leads across 11 pages for client intake and divorce advisory work.

Topic

Settlement Analysis

Comparing proposals, after-tax value, cash-flow modeling, and long-term settlement outcomes.

Settlement Analysis

Should I keep the house or retirement assets?

Keeping the house and keeping retirement assets are rarely an equal trade. A $300,000 retirement account can be rolled over tax-free and will grow over time, while a $300,000 house comes with property taxes, maintenance, transaction costs, and potential capital gains when sold. The after-tax value, liquidity, growth potential, and your ability to afford the ongoing costs should all be compared before deciding. A 50/50 split that looks equal on paper can be very unequal in practice.

Settlement Analysis

How do you compare two divorce settlement proposals?

Comparing two divorce settlement proposals requires looking beyond the headline dollar amounts to the after-tax value, cash flow, liquidity, debt, and long-term growth of each option. A proposal that offers more assets may carry hidden tax bills, illiquid assets, or unsustainable carrying costs. A proper comparison models each proposal over 5, 10, and 20 years, factoring in taxes, growth, inflation, and the ability to sustain the post-divorce lifestyle. The goal is to determine which proposal leaves you in a stronger financial position - not which one has the bigger number on paper.

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