As a family law attorney, CPA or financial advisor, you understand the unique and intricate financial challenges of navigating Silver Divorce (a.k.a. Gray Divorce) — the dissolution of marriage among individuals aged 50 and older. These cases often involve the accumulation of complex financial assets and liabilities , including qualified and non-qualified retirement plans, annuities, life insurance and real estate.

In long-standing marriages, retirement accounts often represent a significant portion of the marital assets. If one spouse’s Plan participation began before the date of marriage, it complicates the division of assets and requires a Community Property/Separate Property allocation of benefits.

Partnering with Neuwirth Associates gives you access to QDRO, ERISA, annuity, life insurance and tax experts, which can alleviate the risk of potentially devastating financial consequences and/or extremely long timelines. Our deep expertise in retirement plans and tax law will help family lawyers, CPAs, and financial advisors in their efforts to navigate through Silver Divorce with ease and help their clients achieve better financial outcomes.

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How We Add Value to Your Legal Practice:

Division of Complex Assets

Life insurance policies and annuities play a crucial role in the financial planning of older couples. We streamline evaluation of assets to help you present clear and compelling evidence in court or negotiations with:

  • Calculations of present and future values, life expectancy considerations, interest rates, and policy terms
  • Estimates for future healthcare costs, which will help you negotiate spousal support or asset divisions

Long-Term Financial Projections

Older clients have less time to recover financially post-divorce. Our actuarial experts can provide you with:

  • Projections for the long-term sustainability of proposed settlements
  • Analyses of how life expectancy, inflation, and interest rates impact financial stability
  • Insights to ensure your clients’ settlements support their future security

Retirement Benefits Valuation

Gray Divorces often include substantial retirement assets such as pensions and annuities, which require precise valuation for equitable division. Our actuarial team:

  • Leverages actuarial expertise to provide reliable, data-driven evidence to support equitable settlements
  • Evaluates Social Security benefits for a comprehensive financial perspective, even though they may not be divisible

Estate and Legacy Planning

Divorce often impacts estate plans, trusts, and inheritance expectations. We will:

  • Reassess estate plans to account for new financial realities
  • Evaluate future inheritances and trust distributions to ensure equitable adjustments

Tax Implications

Dividing assets, alimony, and retirement withdrawals can have significant tax consequences. We can help you:

  • Model potential tax scenarios to avoid unexpected burdens for your clients
  • Present strategies for tax-efficient settlements

Longevity Risk Assessment

Longevity risk can be a critical consideration in Gray Divorce. Let us:

  • Ensure financial arrangements are sustainable over both parties’ lifetimes
  • Provide expert projections to mitigate the risk of outliving assets

Why Partner with Neuwirth Associates?

  • Product Expertise: We bring deep expertise in QDROs, ERISA, annuity, life insurance and tax law.
  • Objective Analysis: Our data-driven insights stand up to scrutiny in court and mediation.
  • Proven Results: Our deep actuarial knowledge and product expertise help simplify a painful process and deliver better financial outcomes.

Contact us today for a free consultation to learn how we can help you deliver exceptional results for your clients.