Institute for Divorce Financial Analysts

05/29/2026

What is the biggest mistake during a divorce?

Making decisions based on emotion instead of facts.

It’s completely normal to feel overwhelmed. But when you’re making financial decisions in the middle of that stress, it’s easy to agree to something that feels correct now but hurts you later.

You might:
• Give up long-term assets for short-term relief
• Underestimate the value of retirement accounts
• Overlook hidden or shared debt

These decisions can follow you for years.

You deserve to move forward with confidence, not regret.

Learn how a CDFA® professional supports smarter financial decisions during divorce: https://zurl.co/oEaSk

05/27/2026

What money is untouchable in a divorce?

You might assume certain assets are off limits, but that’s not always true. In many cases, assets like inheritances, gifts, or property owned before marriage may be considered separate. Here’s where it gets tricky: If you’ve used inherited money for a shared home, or combined accounts during your marriage, it may no longer be “untouchable.”

A CDFA® professional can help you and your attorney:
✔ Trace premarital property
✔ Trace commingled funds
✔ Provide clear data regarding source of funds

You don’t want surprises when it comes to your financial future.

Explore resources https://zurl.co/JV3Ps and find a CDFA® professional: https://zurl.co/PQfZ8

05/26/2026

Here's something most people don't know: how your spousal support is written in the divorce agreement can determine whether you qualify for a mortgage.

Graduated payments? Lenders use the lowest amount. Lump sum? It's counted as an asset, not income. Either way, you could be left unable to qualify for the home you were counting on.
Karla Kyte breaks down why this matters and what needs to be in the settlement language to protect your ability to move forward financially.

The right team, brought in early, can make all the difference.

Watch the full episode: https://zurl.co/Kffjw

Episode 15: The Divorce Mortgage Gap: Why Your Decree Isn't a Loan Approval Guest: karla Kyte, CDLP® | Host: Kristen Shearin, Executive Director, IDFA®

05/25/2026

This day is for the heroes. We remember your sacrifice.

05/25/2026

Most people focus on the house and credit cards when dividing debt in divorce. Student loans get overlooked, and that's a costly mistake.

A $400 monthly payment doesn't disappear after the settlement. It shows up every month, and for a newly single person on one income, it can break a budget fast. Toss in cosigned loans, shifting forgiveness programs, and a debt-to-income ratio that changes the moment your filing status does, and you've got a financial landmine most settlements never catch.

A CDFA® professional looks at the full picture before you sign, not after.

Kristen Shearin, CDFA® professional, breaks it all down in her latest blog. Read it before you finalize anything. https://zurl.co/ryaz4

05/21/2026

What happens when the divorce agreement says you'll refinance, but you actually can't qualify?

Most settlements don't have an answer for that. And that gap is sending people back to court.

Certified Divorce Lending Professional (CDLP®). Karla Kyte explains why so many divorce agreements skip the "what-if" scenario entirely, and the real damage it causes down the road.
It's not just a mortgage issue. It's a planning issue. And it's exactly the kind of thing a CDFA® professional and a CDLP® can help you catch before it becomes a problem.

Watch the full episode: https://zurl.co/JrWso

Episode 15: The Divorce Mortgage Gap: Why Your Decree Isn't a Loan Approval Guest: karla Kyte, CDLP® | Host: Kristen Shearin, Executive Director, IDFA®

05/20/2026

05/13/2026

Dividing property and debt in divorce isn’t just overwhelming, it’s financially defining. You’re not just splitting assets. You’re making decisions that will impact your future for years to come.

Questions like:
What happens to the house?
Who takes on the debt?
Is this settlement actually fair?

Here’s the reality. It’s rarely a simple 50/50 split. Assets aren’t equal, and debts aren’t always obvious. What seems fair today could create financial strain tomorrow without the right analysis.

That’s where a CDFA® professional comes in.

A CDFA® professional helps you:
✔ Understand the true value of assets like retirement accounts and real estate
✔ Evaluate how debt should be divided
✔ Compare settlement scenarios before you agree
✔ Plan for your long-term financial future

Divorce is likely one of the biggest financial transactions of your life. You don’t have to navigate it alone.

Find a CDFA® professional who can help you move forward with clarity and confidence:
https://zurl.co/gaVqW

05/12/2026

Did you know there's a big difference between a buyout refinance and a cash-out refinance when you're keeping the house in a divorce?

Most people don't, and neither do most lenders.

Divorce mortgage specialist Karla Kyte explains why the language in your settlement agreement matters so much, and how the wrong wording can push you from a 95% buyout refinance into an 80% cash-out with higher rates and more fees.

It's a detail most attorneys don't know to include. That's why having the right team early makes all the difference.

Full Episode coming out today. Subscribe to our channel and get notified: https://zurl.co/XYkmq

Episode 15: The Divorce Mortgage Gap: Why Your Decree Isn't a Loan Approval Guest: Karla Kyte, CDLP® | Host: Kristen Shearin, Executive Director, IDFA®

05/11/2026

When you’re going through a divorce, the emotional weight is real, but so are the financial consequences. Eileen’s insight is a powerful reminder that the right financial guidance can ease the stress and help you make informed choices for your future.

💬 "A CDFA® professional is an important part of your divorce team who can help you build the financial foundation for success in your next chapter of life."
Eileen Stoner, CRPC®, CDFA®
Executive Director, Financial Advisor, Morgan Stanley Wealth Management

👉 Find a CDFA® professional today and take your next step with confidence:Link in bio
https://zurl.co/pILBm
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