Welcome to Rizzutto Financial Advisors

Certified Divorce Financial Analyst

Divorce not only has a traumatic emotional impact on one’s life but it also has financial consequences as well.

Under tremendous stress, often while angry and emotionally upset divorcing couples are pressed to make personal, legal and financial decision that will impact them for the rest of their lives.

The following is a list of some common mistakes that are made:

• Making isolated financial decisions without considering how they impact non-financial decisions

• Failure to factor in inflation and investment returns when looking at the long-term impact of a settlement or using unrealistic numbers in the evaluation

• Not taking into account transaction costs when evaluating a settlement offer

• Failing to consider the cost basis of property

• Not understanding the different division method of a retirement asset and knowing which one is in client’s best interest

• Not obtaining complete information on all retirement plans and employee benefits

• Not understanding the purpose of a QDRO and the need to get it completed and filed at the time of the divorce or immediately after the divorce is final.

We Can Help

Because of our specialized knowledge we are in a unique position to help you address the financial and tax complexities of divorce.

Some of the more important issues are:

• Provides the attorney and client with data that shows the tax and financial effect of any given divorce settlement

• The short-term and long-term effects of dividing property

• Determining the cost basis and capital gains of the marital home

• Division of pension and retirement plan

• Calculating the present value of a pension

• Perform Business Valuations

• Appears as an expert witness in court or in mediation or arbitration proceedings

• Consult on Tax, Business Valuation and Financial Issues

You are challenged to make many critical decisions during the divorce process. We help you make good financial decisions.