LIFESTEPS FINANCIAL

LIFESTEPS FINANCIAL structures its practice around three transition windows: divorce, widowhood, and retirement. For divorcing clients, the firm provides Certified Divorce Financial Analyst (CDFA) services including asset division analysis, QDRO coordination, and post-divorce budgeting. For widowed clients, the practice addresses survivor benefits, estate settlement, and the cash-flow restructuring that follows the loss of a spouse's income.

The Certified Divorce Financial Analyst (CDFA) designation trains financial professionals in the tax and legal mechanics of marital asset division. A CDFA can model long-term outcomes of different settlement proposals, identify tax traps in property transfers, and calculate the true after-tax value of retirement accounts versus taxable assets. LIFESTEPS highlights this credential as core to its divorce-planning practice, distinguishing it from advisors who lack specialized training in equitable distribution analysis.

Public records indicate the firm operates as a financial advisory practice, but its specific registration status with the SEC or state securities regulators should be verified directly through FINRA's BrokerCheck or the SEC's Investment Adviser Public Disclosure database. The firm's website does not publicly post Form ADV or registration numbers.