The Intentional Divorce Library

Divorce comes with more financial questions than anyone expects. This is where you'll find real answers on asset division, budgeting, retirement, and the mistakes that quietly cost women the most, written by a Certified Divorce Financial Analyst who has helped clients navigate exactly what you're facing now.

No fluff, no fear tactics. Just the information you need to make clear-eyed decisions and protect the life you're building next.

Not sure where to start?

Every article here is written for a particular moment. Start with the stage that matches where you are, and you will find the handful of pieces that actually apply to you.

Browsing by topic instead? Every category is listed in the sidebar, from QDROs and the family home to co-parenting and life after divorce.

Ohio Teacher Divorce: 4 STRS Pension Tips You Need to Know divorce financial planning going through divorce ohio divorce pension in divorce qdro retirement accounts in divorce

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If you are a teacher going through a divorce in Ohio, this one is for you.

Teachers hold a special place in my heart. Early in my career, I was a teacher. I earned my Master's in Education and have made quite a few teacher friends over the years. My children have been blessed with wonderful teac...

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What Is Considered Separate Property in a Divorce? Marital vs. Separate Property Explained dividing assets in a divorce going through divorce inheritance in a divorce property division in divorce retirement accounts in divorce separate property

In most states, separate property is what you owned before the marriage, plus inheritances and gifts made to you alone during it, as long as you can trace them. Marital property is nearly everything either spouse acquired during the marriage, regardless of whose name is on it. Separate property stay...

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Who Gets the House in a Divorce? Key Factors to Know. certified divorce financial analyst collaborative divorce dividing assets in a divorce going through divorce house in a divorce mediation ohio divorce preparing for divorce property division in divorce separate property

"Who gets the house?" is one of the first questions that comes up when couples start talking about divorce. In my more than 20 years as a Certified Divorce Financial Analyst, I have heard it thousands of times, and the honest answer is always the same: it depends.

The family home is not like other ...

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Alimony in Ohio: How Spousal Support Works, What You Can Expect, and How to Protect Yourself alimony/spousal support certified divorce financial analyst collaborative divorce financial planning going through divorce mediation preparing for divorce taxes

Is there an Ohio alimony calculator? No. Ohio has no statutory formula, chart, or calculator for spousal support. Under Ohio Revised Code 3105.18, a judge weighs 14 factors, including income, earning ability, length of marriage, and standard of living, and decides whether to award support, how much,...

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How to Divide a 401(k) in a Divorce 401k in divorce asset division certified divorce financial analyst going through divorce qdro retirement accounts in divorce

Divorce is one of the hardest transitions you will go through, and in the middle of all that emotional weight, you are also being asked to make financial decisions that will follow you for decades. That is a lot to carry at once.

If your marriage involved a 401k, whether it is yours or your spouse'...

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How Child Support Is Calculated in Ohio: What You Need to Know certified divorce financial analyst child support co-parenting going through divorce kids and divorce preparing for divorce

Ohio calculates child support using an income shares model: both parents' gross incomes are combined, a base support obligation is read from the state schedule, and each parent is responsible for their proportionate share. The schedule covers combined incomes from $8,400 to $336,000, the minimum ord...

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What Is a QDRO? A Divorce Financial Guide to Understanding and Obtaining a Qualified Domestic Relations Order certified divorce financial analyst going through divorce property division in divorce qdro retirement accounts in divorce

By the time someone asks me about a QDRO, they are usually already overwhelmed.

They are trying to understand attorneys, financial disclosures, settlement options, retirement accounts, taxes, and all kinds of paperwork they never expected to be dealing with.

So when the term QDRO comes up, the res...

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How Is a Pension Valued in a Divorce? certified divorce financial analyst dividing assets in a divorce going through divorce pension in divorce property division in divorce qdro retirement accounts in divorce

Are you losing thousands of dollars due to the financial fears that arise during the process of dissolution or divorce? The cost of the divorce itself is undeniably one of the biggest concerns clients express. There is no question about it. The duration and expenses involved in divorce proceedings u...

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