Our Certified Divorce Financial Analysts® draw on years of experience to show you options you may not have considered, guide you through the implications of decisions, and help you make informed choices during a difficult transition.
Divorce is one of life’s most difficult transitions, often bringing emotional strain and financial uncertainty. During this season, steady guidance matters. Our advisors are here to help lighten the load and walk alongside you in ways that fit your specific circumstances.
When individual representation is needed, we serve as a dedicated financial advocate for one party. This may include evaluating the fairness and tax implications of a proposed settlement, or may include modeling retirement outcomes to provide insights on the long-term impact and variability of an offer.
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In more complex divorce situations—especially when a full team of professionals is desired—couples may choose the Collaborative Law process. As neutral financial advisors within that team, we support a cooperative, solutions-focused approach, helping organize financial information and facilitate thoughtful asset division.
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When the legal process concludes, the long-term financial plan begins. We work alongside clients to strengthen day-to-day cash flow, rebuild savings, and implement disciplined investment and tax strategies—laying the groundwork for lasting stability and confidence in the seasons ahead.
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Our Certified Divorce Financial Analysts® are here to support you with empathy and expertise so you feel confident about your financial future.
Monica is a Certified Financial Planner® Practitioner and Certified Divorce Financial Analyst® and brings over 20 years of experience helping families, widows, and divorcees build financial confidence. She creates tax-efficient strategies, simplifies retirement planning, and helps clients navigate estate planning and spend-down approaches.
Monica graduated from the University of Cincinnati in 1992 with a Bachelor of Science in Marketing and Management. She also holds certifications as a Certified Financial Planner® Practitioner and Certified Divorce Financial Analyst®. She is a member of the Collaborative Law Group of Cincinnati and the Financial Planning Association (FPA).
In her free time, Monica explores her creative side through calligraphy, sewing, and crafting projects. She enjoys making hats, baking, and spending time with her husband and five children.
Joy is a Certified Financial Planner® Practitioner and a Certified Divorce Financial Analyst® who helps her clients create holistic financial plans designed to keep them on track through life's milestones. She reviews their situations regularly to align their goals, maximize performance, and minimize risk as their needs evolve. With over 20 years of experience, Joy brings expertise and dedication to each client relationship.
Joy earned her MBA at Xavier University in 2004. She also completed her Bachelor of Arts in Organizational Communication from the University of Cincinnati in 1996.
Outside of work, Joy enjoys walks, gardening, reading, and playing Euchre with her husband, children, and extended family. She also loves vacationing and spending quality time with friends and loved ones.
Divorce brings enough uncertainty. Our process is designed to offer a sense of partnership, clarity, and efficiency to every step.
We begin with a private discussion to understand your needs and determine how we can best support you.
We review the relevant financial details, ensuring we have a clear and accurate picture of your assets, obligations, and agreements.
After careful analysis, we walk through settlement implications, retirement projections, and planning strategies, and outline a sustainable financial path.
Many clients continue with Harvest for ongoing wealth management and planning as they rebuild and refocus their financial lives.
Certified Divorce Financial Analysts® offer specialized knowledge about financial and tax implications of divorce
Comprehensive financial analysis equips you and your attorney with critical insights for decision-making
A streamlined process leveraging advanced family law software to save time and reduce stress
Committed to helping you come to a fully informed agreement as efficiently and cost-effectively as possible
A dedicated team who meets with you regularly.