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Craig A. Hyldahl, CFP®, CDFA™
Jody D'Agostini, CFP®, CDFA™
Robert A. Imparato, Jr., CFP®
90 Woodbridge Center Drive
Woodbridge,
New Jersey
07095
Phone: 732-326-5240
10 Madison Avenue
Morristown,
New Jersey
07960
Phone: 973-401-2513
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"Your Dreams. Our Commitment."
At R.I.C.H. Planning Group, LLC, we understand that trust is the most valued aspect of the client/advisor relationship. Our associates’ unparalleled service, financial planning proficiency, and unwavering integrity have created long lasting, personal relationships with our clients. We pledge to give each and every client value for their money, resulting in customer satisfaction. We do not just say we care... we show it.
We specialize in assisting people in transition by offering proactive wealth and risk management as well as comprehensive financial planning.
We are Certified Divorce Financial Analysts™ and can help you achieve the fairest, most financially equitable divorce settlement possible.
Benefits of Using a Certified Divorce Financial Analyst™:
- We examine the financial issues of divorce and provide specific data to support our analysis.
- We help to determine the short- and long-term financial impact of a proposed divorce settlement.
- We provide insight into the pros and cons of different settlement proposals.
- We create personalized reports and graphs illustrating the financial status, cash flow, and net worth of both divorcing parties.
Benefits to the Attorney
- Case preparation and settlement is easier – we do the detailed financial work for you.
- Reduced liability by having in-depth financial research to support your case.
Benefits to the Client
- Peace of mind that your settlement is financially feasible.
- Objective viewpoint in an emotional situation.
- Expert advice about your specific financial needs.
Top Five Reasons for Hiring a Certified Divorce Financial Analyst™ during the Divorce Process:
1. Financial analysis conducted early in the divorce process can save time.
The average length of the U.S. divorce process is one year. In the beginning stages of the process, both parties spend a great deal of time trying to get a clear understanding of the financial aspects and terminology of the separation. A Certified Divorce Financial Analyst™ (CDFA™) can explain all financial aspects of the pending decisions and help to empower their client to make educated decisions throughout the proceedings.
2. A CDFA™ can help clients save money during the divorce process.
By using a CDFA™, you can have a clearer view of your financial future. Only then can you approach a legal settlement that fully addresses your financial needs and capabilities. A legal settlement that floats back and forth between attorneys, without the client having a clear understanding of all financial ramifications, can be detrimental, time consuming, and expensive. A CDFA™ can educate their clients by providing a thorough knowledge and understanding of the often-complicated financial decisions.
3. A CDFA™ can help clients avoid long-term financial pitfalls related to divorce agreements.
Working with a client and his or her attorney, a CDFA™ can forecast the long-term effects of the divorce settlement. This includes details of all tax liabilities and benefits. Developing a long-term forecast for the client’s financial situation is far better than a short-term snapshot. Financial decisions must be made that not only take care of immediate family needs, but retirement needs as well.
4. A CDFA™ can assist clients with developing detailed household budgets to help avoid post-divorce financial struggles.
A CDFA™ can help clients think through what the divorce will really cost in the long run and develop a realistic monthly budget during the financial analysis process. Expenses such as life insurance, health insurance, and cost of living increases must be taken into consideration when agreeing on a final financial settlement.
5. Using a CDFA™ can reduce the amount of apprehension and misunderstanding about the divorce process.
Misinformation and misconceptions about the divorce process can be detrimental. Many have false expectations that they will be able to secure a divorce settlement allowing them to continue with their accustomed style of living. Financial divorce analysis helps to ensure a good, stable economic future and prevent long-term regret with financial decisions made during the divorce process.
Our Professionals
Financial Planning is offered through AXA Advisors, LLC.
CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP (with flame logo)® are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.
Certified Divorce Financial Analyst designation from the Institute for Divorce Financial Analysts.
Associates of R.I.C.H. Planning Group, LLC offer securities and investment advisory services through AXA Advisors, LLC (N.Y., N.Y., 212-314-4600), member FINRA, SIPC. Annuities and insurance products offered through AXA Network, LLC and its subsidiaries. Individuals may only transact business and/or respond to inquiries in state(s) in which they are properly qualified. R.I.C.H. Planning Group is not owned or operated by AXA Advisors or AXA Network. AXA Advisors and AXA Network do not provide tax or legal advice. Please consult your tax or legal advisor regarding your particular circumstances. AGE50253 (7/15/09)
Please email us or visit our website for additional information.
