A credential testifying to specialised information within the intersection of finance and marital dissolution signifies competence in aiding purchasers navigating the complicated monetary panorama inherent in ending a wedding. People holding this distinction possess experience in areas comparable to asset division, tax implications of settlements, retirement planning changes, and spousal help calculations. As an example, an expert with this validation can analyze the long-term ramifications of various property division eventualities, offering knowledgeable steering to make sure equitable and sustainable outcomes for all events concerned.
Buying this validation affords a number of benefits. It enhances credibility and marketability throughout the monetary providers business, demonstrating a dedication to specialised information and consumer service. Moreover, it equips professionals with the instruments essential to mitigate monetary dangers related to separation, promote knowledgeable decision-making, and contribute to extra secure post-divorce monetary futures. The emergence of such {qualifications} displays a rising recognition of the distinctive monetary challenges confronted throughout marital dissolution and the necessity for professional steering on this space.
The following sections will delve into the particular necessities for acquiring this distinction, the core competencies assessed through the certification course of, and the moral concerns governing the follow of offering monetary recommendation within the context of marital dissolution. Detailed examination of continuous training necessities and sources out there to these looking for additional information on this essential space of monetary planning may even be mentioned.
1. Specialised Data
Attaining competence in offering monetary steering throughout divorce proceedings necessitates a basis of specialised information. This area extends past common monetary planning rules, requiring centered experience immediately relevant to the distinctive circumstances of marital dissolution. Such specialised information types a cornerstone of respected monetary planning follow on this context.
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Divorce Regulation and Procedures
Understanding the authorized framework governing divorce, together with state-specific legal guidelines regarding property division, alimony, youngster help, and related court docket procedures, is key. For instance, group property states adhere to totally different asset division guidelines than equitable distribution states. A monetary planner should perceive these nuances to offer correct and legally sound recommendation.
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Tax Implications of Divorce
Divorce settlements set off varied tax penalties. Experience contains understanding the tax implications of alimony funds, property transfers, retirement account distributions, and child-related tax advantages. Improperly structured agreements may end up in unintended and substantial tax liabilities for purchasers. Competence in tax planning is essential.
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Valuation of Property
Precisely valuing property, together with actual property, enterprise pursuits, retirement accounts, and funding portfolios, is important for equitable distribution. This usually requires partaking specialised appraisers and forensic accountants. The power to investigate valuation reviews and perceive the methodologies employed is essential for advising purchasers successfully.
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Retirement Planning Publish-Divorce
Divorce considerably impacts retirement planning. Specialised information contains understanding the division of retirement property by Certified Home Relations Orders (QDROs), adjusting retirement financial savings methods, and projecting future retirement earnings wants primarily based on altered monetary circumstances. It additionally includes understanding the interaction between Social Safety advantages and divorce.
Possessing specialised information in these areas permits professionals holding a divorce monetary planning certification to offer complete and knowledgeable steering, mitigating monetary dangers and selling equitable outcomes for purchasers navigating the complexities of divorce. The combination of those particular expertise distinguishes them from common monetary advisors and underscores the worth of specialised accreditation.
2. Moral Conduct
Moral conduct types an indispensable pillar supporting the integrity and credibility of divorce monetary planning certification. Possessing technical experience alone proves inadequate; adherence to stringent moral rules ensures consumer pursuits stay paramount all through the often-turbulent divorce course of.
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Fiduciary Obligation
Licensed professionals function underneath a fiduciary obligation, obligating them to behave solely in the very best pursuits of their purchasers. This contains offering goal recommendation, disclosing any potential conflicts of curiosity, and prioritizing consumer wants above private acquire. For instance, recommending a particular funding product solely as a result of the next fee, with out contemplating its suitability for the consumer’s long-term monetary objectives, constitutes a breach of fiduciary obligation.
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Confidentiality
Sustaining strict confidentiality relating to consumer data is essential. Divorce proceedings inherently contain delicate monetary and private particulars. Disclosing such data with out specific consent not solely violates skilled ethics however may have extreme authorized and private ramifications for the consumer. Safeguarding consumer privateness is a non-negotiable moral obligation.
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Objectivity and Impartiality
Divorce proceedings are sometimes emotionally charged. Licensed professionals should preserve objectivity and impartiality, avoiding any bias towards both occasion. Offering unbiased recommendation, primarily based on sound monetary rules reasonably than private opinions or emotional concerns, is important for attaining equitable outcomes. As an example, a monetary planner shouldn’t permit private emotions towards one partner to affect asset division suggestions.
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Competence and Due Diligence
Offering competent monetary recommendation requires possessing and sustaining the required experience. This includes staying present with evolving legal guidelines, laws, and monetary merchandise. Conducting thorough due diligence earlier than making any suggestions ensures that the recommendation offered is correct, dependable, and aligned with the consumer’s particular circumstances. Neglecting to adequately analysis funding choices or failing to think about all related monetary components constitutes a violation of moral requirements.
The combination of those moral aspects into the framework of divorce monetary planning certification reinforces the trustworthiness and worth of credentialed professionals. Upholding these rules safeguards consumer pursuits, promotes truthful and equitable outcomes, and contributes to the general integrity of the divorce course of, distinguishing licensed people as dependable and moral practitioners on this specialised area.
3. Monetary Experience
Monetary experience constitutes a foundational part of divorce monetary planning certification. The credential signifies a demonstrated mastery of monetary rules as they particularly apply to the complexities of marital dissolution. Attaining this certification presupposes a deep understanding of funding methods, asset valuation, tax implications, retirement planning, and debt managementall considered by the lens of divorce settlements and their long-term monetary penalties. With out demonstrable monetary experience, a person can’t successfully information purchasers by the intricate monetary panorama of divorce.
Take into account, as an example, the division of complicated property comparable to enterprise possession, inventory choices, or actual property holdings. An expert missing enough monetary acumen would battle to precisely worth these property and perceive the potential tax ramifications related to their switch or sale throughout a divorce settlement. Equally, experience in retirement planning is essential for figuring out the equitable division of retirement accounts, guaranteeing each events safe their monetary futures. The power to venture long-term monetary outcomes primarily based on varied settlement eventualities immediately impacts the consumer’s capacity to make knowledgeable selections.
The connection between monetary experience and divorce monetary planning certification is thus one in all trigger and impact: strong monetary expertise are a prerequisite for acquiring the certification, and the certification, in flip, validates the skilled’s experience on this specialised space. Challenges could come up in preserving abreast of quickly evolving tax legal guidelines and funding automobiles, necessitating steady skilled growth. The final word goal stays to equip licensed people with the requisite monetary expertise to empower purchasers to navigate divorce with readability, confidence, and the very best prospects for long-term monetary safety.
4. Authorized Consciousness
A strong understanding of the authorized panorama is paramount for people holding a divorce monetary planning certification. This consciousness extends past common monetary rules and encompasses a working information of related legal guidelines, laws, and authorized procedures that immediately affect monetary outcomes in divorce proceedings. With out satisfactory authorized acumen, even essentially the most refined monetary methods could be rendered ineffective and even detrimental to purchasers.
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Understanding Matrimonial Regulation
Familiarity with state-specific matrimonial regulation is essential. This contains laws pertaining to property division (group property vs. equitable distribution), alimony (spousal help), youngster help, and the authorized processes concerned in divorce litigation. As an example, the classification of an asset as separate property versus marital property considerably impacts its division. Professionals should grasp these distinctions to advise purchasers appropriately.
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Authorized Documentation and Discovery
A divorce monetary planner should be capable of interpret authorized paperwork comparable to pleadings, court docket orders, and settlement agreements. Understanding the invention course of, together with requests for manufacturing of paperwork and interrogatories, is important for gathering correct monetary data. An incapability to grasp these authorized processes can result in incomplete or inaccurate monetary evaluation.
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Tax Regulation Implications
The tax code comprises particular provisions associated to divorce, together with the tax remedy of alimony, property transfers, and dependency exemptions. A divorce monetary planner should perceive these provisions to attenuate tax liabilities for purchasers. Failure to adequately deal with tax concerns may end up in important monetary penalties and erode the worth of the settlement.
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Certified Home Relations Orders (QDROs)
QDROs are authorized devices used to divide retirement property in divorce. A divorce monetary planner should perceive the necessities for drafting and implementing QDROs to make sure that retirement property are correctly transferred. Improperly drafted QDROs may end up in tax penalties and authorized challenges.
The weather of authorized consciousness collectively equip licensed divorce monetary planners with the flexibility to navigate the complicated interaction between regulation and finance throughout divorce. By understanding the authorized implications of monetary selections, these professionals can successfully advocate for his or her purchasers’ finest pursuits and contribute to truthful and equitable settlements. This authorized competency distinguishes them from common monetary advisors and underscores the worth of specialised certification within the area of divorce monetary planning.
5. Persevering with Training
Ongoing skilled growth represents a essential part in sustaining the integrity and relevance of divorce monetary planning certification. The dynamic nature of monetary laws, tax legal guidelines, and authorized precedents necessitates steady studying to make sure licensed professionals stay geared up to offer knowledgeable and efficient steering to their purchasers.
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Evolving Monetary Rules
Monetary laws are topic to frequent revisions and updates. Persevering with training permits licensed professionals to remain abreast of those modifications, guaranteeing their recommendation aligns with present regulatory necessities. As an example, modifications to funding laws or retirement account guidelines could considerably affect asset division methods in divorce settlements. Remaining knowledgeable prevents misapplication of outdated information, safeguarding purchasers’ pursuits.
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Modifications in Tax Regulation
Tax legal guidelines pertaining to divorce settlements are complicated and continuously amended. Persevering with training supplies professionals with the required updates to navigate the ever-changing tax panorama. Understanding the newest tax implications of alimony, property transfers, and youngster help preparations is essential for minimizing tax liabilities and maximizing monetary outcomes for purchasers. Failing to stay present with tax regulation can result in pricey errors in monetary planning.
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Rising Monetary Merchandise and Methods
The monetary providers business constantly introduces new merchandise and techniques. Persevering with training allows licensed professionals to judge the suitability of those improvements for purchasers present process divorce. Understanding the dangers and advantages of rising funding automobiles, insurance coverage merchandise, and retirement planning strategies permits for extra complete and tailor-made monetary recommendation. Staying knowledgeable prevents reliance on outdated methods and promotes the adoption of finest practices.
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Moral Concerns and Finest Practices
Persevering with training usually contains coaching on moral concerns and finest practices in divorce monetary planning. This coaching reinforces the significance of sustaining objectivity, confidentiality, and a fiduciary obligation to purchasers. Exploring case research and interesting in moral discussions enhances professionals’ capacity to navigate complicated moral dilemmas and supply neutral steering all through the divorce course of. Sustaining excessive moral requirements is paramount for constructing belief and guaranteeing consumer well-being.
Collectively, these aspects of continuous training underscore its indispensable position in upholding the worth and credibility of divorce monetary planning certification. By constantly increasing their information and honing their expertise, licensed professionals can present knowledgeable, moral, and efficient monetary steering to purchasers navigating the complexities of marital dissolution, finally selling monetary stability and equitable outcomes. The dedication to ongoing skilled growth is a trademark of competent and accountable follow on this specialised area.
6. Shopper Advocacy
Shopper advocacy is intrinsically linked to divorce monetary planning certification, serving as a cornerstone of accountable and moral follow. Licensed professionals perform as devoted advocates, prioritizing the consumer’s monetary well-being and guaranteeing their rights and pursuits are protected all through the often-contentious divorce course of.
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Defending Monetary Pursuits
Advocacy entails meticulously safeguarding a consumer’s monetary property and future monetary safety. This includes conducting thorough monetary analyses, figuring out hidden property, and guaranteeing equitable distribution of marital property. As an example, if one partner makes an attempt to undervalue enterprise pursuits or conceal offshore accounts, the licensed skilled actively works to uncover these discrepancies, guaranteeing a good settlement.
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Empowering Knowledgeable Resolution-Making
Advocacy empowers purchasers to make knowledgeable monetary selections by offering clear, goal steering and training. This entails explaining complicated monetary ideas in comprehensible phrases, presenting varied settlement choices, and illustrating the long-term penalties of every selection. An authorized skilled advocates for the consumer’s understanding, guaranteeing they grasp the implications of their selections and usually are not pressured into unfavorable agreements.
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Negotiation and Mediation Assist
Efficient advocacy contains offering help throughout negotiation and mediation processes. This includes making ready monetary documentation, attending conferences, and representing the consumer’s monetary pursuits. An authorized skilled can advocate for the consumer’s place, presenting compelling arguments and advocating for a settlement that aligns with their long-term monetary objectives.
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Navigating Emotional Challenges
Divorce proceedings are sometimes emotionally charged, doubtlessly clouding judgment and resulting in detrimental monetary selections. Advocacy includes offering emotional help and steering, serving to purchasers preserve objectivity and keep away from making rash selections pushed by anger or resentment. An authorized skilled acts as a stabilizing power, advocating for rational monetary planning amidst emotional turmoil.
In essence, the connection between consumer advocacy and divorce monetary planning certification is underscored by the skilled’s dedication to prioritizing the consumer’s monetary well-being. By diligently defending monetary pursuits, empowering knowledgeable decision-making, offering negotiation help, and navigating emotional challenges, licensed professionals exemplify the core tenets of consumer advocacy, guaranteeing truthful and equitable outcomes throughout divorce proceedings. The possession of certification amplifies the dedication to accountable consumer illustration.
7. Dispute Decision
The capability for efficient dispute decision stands as a essential competency validated by divorce monetary planning certification. Marital dissolution invariably includes disagreements relating to asset valuation, property division, spousal help, and different monetary issues. The licensed skilled’s capacity to facilitate constructive dialogue, mediate conflicting viewpoints, and navigate negotiation processes immediately impacts the result of the divorce and the monetary well-being of the concerned events. With out proficient dispute decision expertise, even essentially the most meticulously crafted monetary plans can falter within the face of intractable disagreements, doubtlessly resulting in pricey litigation and protracted authorized battles.
Take into account, for instance, a scenario the place divorcing spouses maintain divergent opinions relating to the worth of a intently held enterprise. An authorized divorce monetary planner, adept in dispute decision, can have interaction a impartial enterprise appraiser, facilitate discussions between the events, and discover various valuation methodologies to succeed in a mutually agreeable evaluation. Equally, in disputes regarding spousal help, the skilled can analyze earnings streams, assess incomes potential, and venture future monetary must formulate a compromise that addresses the considerations of each events. The applying of different dispute decision strategies, comparable to mediation or collaborative divorce, necessitates a talented facilitator able to guiding discussions, managing feelings, and fostering a collaborative atmosphere. The certification course of usually incorporates coaching in these strategies, emphasizing the significance of resolving conflicts amicably and effectively.
In abstract, the hyperlink between dispute decision and divorce monetary planning certification is essential. The certification validates the skilled’s proficiency in navigating monetary disagreements inherent in divorce proceedings. The sensible software of dispute decision expertise minimizes battle, reduces authorized prices, and promotes equitable settlements, finally contributing to extra secure and sustainable post-divorce monetary outcomes for purchasers. Challenges could come up when coping with extremely contentious divorces or conditions involving complicated monetary property, underscoring the necessity for ongoing coaching and the event of specialised experience in dispute decision methodologies.
8. Settlement Evaluation
The capability to carry out thorough settlement evaluation is inextricably linked to divorce monetary planning certification. Certification signifies a person’s confirmed capacity to evaluate the short- and long-term monetary implications of proposed divorce settlements, guaranteeing purchasers comprehend the projected outcomes of varied division eventualities. The certification course of emphasizes the significance of this ability, because it immediately influences a consumer’s post-divorce monetary stability. As an example, think about a situation the place a proposed settlement favors one partner within the brief time period however neglects the long-term tax implications of asset allocation. An authorized skilled makes use of settlement evaluation to determine this disparity, projecting the monetary outcomes over a number of years, thereby informing the consumer’s negotiation technique.
Efficient settlement evaluation includes evaluating varied components, together with the valuation of property, the tax penalties of property transfers, the adequacy of spousal help, and the sustainability of particular person monetary plans. Licensed professionals use specialised software program and analytical instruments to mannequin totally different settlement eventualities, stress-testing them in opposition to potential financial fluctuations. For instance, a settlement that depends closely on funding earnings is perhaps analyzed underneath varied market situations to find out its resilience. This detailed evaluation supplies purchasers with a complete understanding of the monetary trade-offs inherent in every settlement choice, fostering knowledgeable decision-making.
In conclusion, settlement evaluation is a basic ability validated by divorce monetary planning certification. The power to venture monetary outcomes, assess dangers, and guarantee equitable distribution contributes on to a consumer’s long-term monetary safety. Whereas challenges could come up in valuing complicated property or projecting unsure financial situations, the core precept stays: competent settlement evaluation empowers purchasers to navigate divorce with readability and confidence, mitigating monetary dangers and selling sustainable post-divorce monetary futures.
9. Tax Implications
Tax concerns type a essential part of divorce monetary planning, immediately impacting the long-term monetary stability of divorcing people. The complexities of tax regulation, as utilized to divorce settlements, necessitate specialised information and experience, underscoring the worth of divorce monetary planning certification.
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Alimony and Spousal Assist
Traditionally, alimony funds have been deductible by the payer and taxable to the recipient. Nevertheless, modifications in tax regulation have altered this panorama. For divorces finalized after December 31, 2018, alimony funds are now not deductible by the payer, nor are they thought of taxable earnings to the recipient. Understanding these nuances is essential for structuring settlements that optimize tax outcomes. An expert holding certification will advise on methods to mitigate potential tax burdens ensuing from this alteration, doubtlessly restructuring settlements to attain equitable monetary outcomes.
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Property Transfers and Capital Beneficial properties
The switch of property between divorcing spouses is mostly not a taxable occasion on the time of switch, as a result of a provision within the tax code. Nevertheless, the receiving partner assumes the unique price foundation of the asset. When that partner finally sells the asset, capital beneficial properties taxes could apply. For instance, if a partner receives inventory with a low price foundation and later sells it for a considerable revenue, capital beneficial properties taxes shall be owed. An authorized skilled analyzes the long-term tax implications of property transfers, advising on methods to attenuate future capital beneficial properties taxes by cautious asset choice and planning.
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Retirement Account Division and Taxation
Retirement property, comparable to 401(okay)s and IRAs, are sometimes important parts of marital estates. The division of those property sometimes happens by way of a Certified Home Relations Order (QDRO). When executed correctly, a QDRO permits for the tax-free switch of retirement funds from one partner to a different. Nevertheless, withdrawing funds immediately from a retirement account earlier than retirement age usually triggers earnings taxes and potential penalties. An authorized skilled navigates the complexities of QDROs and advises on methods to attenuate taxes and penalties related to retirement asset division, guaranteeing each spouses preserve their retirement safety.
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Youngster-Associated Tax Advantages
Divorce considerably impacts child-related tax advantages, such because the youngster tax credit score and dependency exemptions (although the exemption is quickly suspended). Figuring out which mother or father is eligible to assert these advantages usually turns into a degree of rivalry. Usually, the custodial mother or father the mother or father with whom the kid resides for almost all of the yr is entitled to assert the child-related tax advantages. An authorized skilled facilitates discussions and supplies steering on negotiating these advantages pretty, guaranteeing compliance with tax laws and maximizing tax financial savings for each dad and mom the place applicable.
These tax concerns illustrate the complexities inherent in divorce monetary planning. Professionals holding divorce monetary planning certification possess the information and experience essential to navigate these complexities, guaranteeing purchasers make knowledgeable selections that decrease tax liabilities and promote long-term monetary stability. Cautious consideration of tax implications is important for attaining equitable and sustainable divorce settlements.
Incessantly Requested Questions
This part addresses frequent inquiries relating to divorce monetary planning certification, providing readability on its function, worth, and necessities.
Query 1: What exactly does divorce monetary planning certification signify?
Divorce monetary planning certification demonstrates specialised experience within the monetary facets of divorce. People holding this credential possess information in asset division, tax implications, retirement planning changes, and spousal help calculations throughout the context of marital dissolution.
Query 2: What are the conditions for acquiring divorce monetary planning certification?
Particular conditions fluctuate relying on the certifying group. Nevertheless, typical necessities embrace a mixture of training, monetary planning expertise, and profitable completion of a rigorous examination. Adherence to a code of ethics can also be generally mandated.
Query 3: How does divorce monetary planning certification profit people present process divorce?
This validation affords entry to professionals geared up to navigate the monetary complexities of divorce. Licensed people can present knowledgeable steering, mitigate monetary dangers, and advocate for equitable settlements, selling higher monetary safety post-divorce.
Query 4: Is divorce monetary planning certification an alternative choice to authorized counsel throughout divorce proceedings?
No, divorce monetary planning certification enhances authorized illustration however doesn’t change it. Licensed professionals present monetary experience, whereas attorneys deal with authorized facets of the divorce course of. Collaboration between monetary planners and attorneys is commonly important for complete consumer illustration.
Query 5: How does divorce monetary planning certification differ from common monetary planning certifications?
Whereas common monetary planning certifications present a broad understanding of monetary rules, divorce monetary planning certification focuses particularly on the distinctive monetary challenges related to divorce. It entails specialised information in areas comparable to QDROs, property division in divorce, and tax implications particular to marital dissolution.
Query 6: How can a person confirm the validity of a divorce monetary planning certification?
Respected certifying organizations preserve on-line directories the place people can confirm the certification standing of monetary professionals. Consulting these directories ensures that a person possesses the claimed credentials.
Divorce monetary planning certification ensures a minimal customary of competency on this area of interest space of monetary recommendation. Using the providers of an authorized skilled will assist navigate the complexities of divorce and supply the next stage of confidence in selections that can affect long-term monetary wellbeing.
The following article sections will discover sources out there for these looking for help with divorce monetary planning and supply steering on deciding on a professional skilled.
Suggestions for Deciding on a Divorce Monetary Planning Certification Skilled
Deciding on a professional skilled with divorce monetary planning certification is an important step in securing monetary well-being throughout and after marital dissolution. The next steering goals to help in making an knowledgeable determination.
Tip 1: Confirm Certification Standing. Affirmation of energetic certification standing with the issuing group is paramount. Respected certifying our bodies preserve on-line directories for verification functions. Cross-referencing credentials ensures the skilled possesses the claimed experience and meets ongoing training necessities.
Tip 2: Assess Related Expertise. Inquire in regards to the skilled’s expertise particularly associated to divorce monetary planning. The variety of instances dealt with, the complexity of asset portfolios managed, and the vary of monetary points addressed present insights into their sensible experience. An expert with a observe document of profitable outcomes is preferable.
Tip 3: Consider Communication Type. Efficient communication is important for a profitable skilled relationship. The candidate ought to articulate complicated monetary ideas clearly and concisely, guaranteeing a complete understanding of all related points. Take into account how the skilled listens to acknowledged considerations and responds to queries.
Tip 4: Look at Price Construction. Perceive the skilled’s charge construction upfront. Make clear whether or not charges are hourly, mounted, or primarily based on a share of property. Transparency in pricing avoids potential misunderstandings and permits for knowledgeable budgeting. Request a written settlement outlining all related prices.
Tip 5: Examine Disciplinary Historical past. Conduct a radical background examine to uncover any disciplinary actions or complaints filed in opposition to the skilled. Regulatory businesses {and professional} organizations usually preserve data of disciplinary actions, offering precious insights into previous conduct.
Tip 6: Affirm Fiduciary Obligation. Set up that the skilled operates underneath a fiduciary obligation, obligating them to behave solely within the consumer’s finest pursuits. A dedication to fiduciary duty ensures objectivity and prioritizes consumer wants above private acquire. Request written affirmation of their fiduciary dedication.
Tip 7: Take into account Specialization. Decide whether or not the skilled possesses particular experience related to particular person circumstances. Some professionals could focus on high-net-worth divorces, enterprise valuation, or complicated retirement planning. Deciding on an expert with tailor-made experience can considerably improve the standard of service.
Diligent software of the following tips will increase the probability of choosing a professional skilled with divorce monetary planning certification who can present efficient steering and help throughout a difficult life transition.
The concluding part will summarize key takeaways and supply last concerns for navigating divorce with monetary prudence.
Conclusion
This text has explored the multifaceted dimensions of divorce monetary planning certification. The previous sections have detailed the requisite specialised information, moral obligations, and core competencies inherent in acquiring and sustaining this qualification. Emphasis has been positioned on the importance of authorized consciousness, persevering with training, and unwavering consumer advocacy. The exploration has underscored the significance of understanding tax implications, facilitating efficient dispute decision, and conducting thorough settlement analyses. The offered data aimed to offer a complete overview of the worth and scope of this certification throughout the context of marital dissolution.
Divorce presents distinctive monetary challenges that demand specialised experience. People navigating this complicated transition are inspired to hunt certified professionals who reveal a dedication to upholding the best requirements of competence and moral conduct. A proactive method to monetary planning, coupled with knowledgeable decision-making, stays important for securing long-term monetary stability and selling equitable outcomes. Consulting with an expert holding this certification generally is a prudent step in the direction of attaining a safer monetary future post-divorce.
