Broker Check

Guarino Wealth Management - Denville, NJ

  • 124 East Main Street, Suite 101 • Denville, NJ 07834
  • 973-625-1112


“We are the experts who truly understand the impact that divorce has on finances.”  Michael J. Guarino III, CDFA™

To best meet the needs of a divorcing client a new professional designation was created – the Certified Divorce Financial Analyst™.  The role of a CDFA™ is to help you and your attorney understand how the financial decisions made during a divorce will impact your financial future based on certain assumptions.

As a Certified Divorce Financial Analyst (CDFA™) Michael J. Guarino III, CDFA™, went through an intensive training program to become skilled in analyzing and providing expertise related to the financial issues of divorce. As a CDFA™, Michael works with clients and their attorneys to help them understand the short and long term effects of divorce. 

Some common areas of concern are:

  • Can you afford to stay in your house?
  • Where will the children live?
  • Who will pay for the children’s education and medical treatment?
  • How do you value your property?
  • What is marital property and what is not?
  • Who gets what property?
  • What tax issues must I be concerned with?
  • How do we divide retirement funds and pensions?
  • How will the lower-earning spouse survive financially?
  • What additional financial support does that person need?
  • What happens if a paying ex-spouse dies?
  • What are some potential pitfalls?

Divorce is a complicated issue.  The financial aspects of divorce are significant. Let our expertise guide and empower you through this trying time so you can get back to living your life again.