Jessica M. Garcia Divorce Financial Consultant

Your Divorce Financial Planner + Divorce Coach

Jessica brings over two decades of dedicated experience and training in the field of financial services and wealth management. She offers in-depth knowledge and expertise in addressing complex financial issues to prepare clients for their economic future. She started her business to help women have a more proactive relationship with their money - something she had noticed in her career to be lacking for a lot of women. With Jessica's experience and credentials, coupled with her warm, genuine manner, you will know that you have come to the right place.

Education

Masters in Business Administration from the McColl School of Business at Queens University of Charlotte

Bachelor of Arts in American Studies and Business from Queens University of Charlotte

Credentials

CDFA®️ Certified Divorce Financial Analyst

CDC®️ Certified Divorce Coach

Additional professional certifications for specialized Divorce Coaching and Dispute Resolution Coaching

• DFC™ Divorce Financial Coach• CDFC™ Certified Divorce Financial Coach

• CDP™ CDP Divorce Practitioner™

• CDRC™ Certified Dispute Resolution Coach

Licenses previously and no longer active but I still have the gained knowledge and experience

NC Real Estate Salesman License
NC Health & Life Insurance License
FINRA Series 6, 63, 65, 66 and 7

WHAT IS A CERTIFIED DIVORCE FINANCIAL ANALYST?

A Certified Divorce Financial Analyst is a professional skilled at organizing and analyzing financial data and providing expertise on issues related to the finances of divorce. A CDFA can help you reduce the stress and overwhelm that come with the process before, during and after. We bring methodologies of financial planning to the divorce process, crafting individualized settlement solutions. We provide our clients with a greater sense of confidence in their decisions through a fuller understanding of how their marital settlement agreements will affect short and long-term financial future.

What is the role of a CDFA in Divorce? CDFA professionals may serve multiple roles in the separation and divorce:

Individual Advocate for those facing divorce difficulties. We can join with the attorney to strengthen and maximize your settlement outcome
Collaborative Divorce Professional as a financial neutral in a team-mediation approach involving professionals like attorneys, family therapists, and others
A CDFA professional serves clients' needs as a strong financial advocate in litigation OR as a third-party neutral for those seeking higher control over their divorce outcomes with Mediation

Financial Expertise and Strategy

A CDFA provides the client and attorney with data analysis that shows the financial effect of any given settlement. They become part of the divorce team and provide support on financial issues such as:

Examining your pre- and post-divorce situations, including Cash Flow
Understanding the short-term and long-term effects of dividing property
Analyzing pensions and retirement plans
Determining if the client can afford the marital home, and if not, what he or she can afford
Recognizing the tax consequences of different settlement proposals and bringing in a tax professional as needed
Propose settlement options to individuals and couples seeking knowledgeable advice.
Data Collection and Analysis

CDFA professional’s role mostly is to help gather and organize the client’s financial data and perform analysis. CDFAs can help manage a client’s expectations of their financial future by presenting different scenarios and talking through the client’s budget and expenses.

CDFAs are trained to help clients:

Define a division of assets and financial settlement that is individual to the client’s needs
Collect financial and expense data
Identify their current and future financial goals
Develop a realistic spending plan