Divorce Financial Planning In Middletown, NJ

Numbers-first guidance from CDFA® and CFP® professionals, so every settlement decision is made with a clear picture of your future.

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FiduciaryLegally obligated to put your
interests first
CFP^®Certified Financial Planner professionals
CDFA^®Certified Divorce Financial Analyst professionals
Red Bank, NJLocal advisors rooted in
Monmouth County
50+ YearsCombined advisory experience

A Steady Financial Guide Through Divorce

Divorce reshapes nearly every financial decision you have made as a couple: the house, retirement accounts, taxes, insurance, and the budget you will live on afterward. Our role is to bring order and clarity to that picture so you can negotiate from facts rather than fear.

From our Red Bank office, we serve individuals and families throughout Middletown and the surrounding Monmouth County communities. As Certified Divorce Financial Analyst® and CERTIFIED FINANCIAL PLANNER™ professionals, we work alongside your attorney or mediator to organize your financial data, prepare long-term forecasts, and model what-if scenarios for each settlement option on the table.

Whether you are just beginning to consider divorce, are in active negotiations, or are rebuilding afterward, we can help you make smart, informed decisions separated from the emotion of the moment. Doug Lyons writes about exactly this in his article Emotional Bias in New Jersey Divorce: Avoid These Costly Mistakes.

Why Divorce Financial Planning Matters

A settlement that looks fair on paper can play out very differently over ten or twenty years. The rules that govern property division, retirement accounts, and taxes make professional analysis worth having before anything is signed. For a deeper walk-through in Doug's own words, read his guide How to Divide Assets and Debts in a NJ Divorce.

More Than 670,000

divorces and annulments were recorded in the United States in 2022 across the states that report them, according to the CDC's National Center for Health Statistics.

Equitable, Not Equal

New Jersey is an equitable distribution state. Courts divide marital property based on what is equitable under the circumstances, which is not necessarily a 50/50 split. Understanding what each asset is worth after taxes matters.

QDROs Required

Dividing a 401(k), pension, or other workplace retirement plan in divorce generally requires a qualified domestic relations order, a court order with specific technical requirements described by the IRS.

Alimony Tax Rules Changed

For divorce agreements executed after December 31, 2018, alimony is neither deductible by the payer nor taxable to the recipient under the Tax Cuts and Jobs Act, a change that reshapes settlement math.

Our Divorce Financial Planning Services

We support clients before, during, and after divorce. Explore the approaches below, or contact us and we will help you decide which fits your situation.

Collaborative Divorce Financial Planning

Serving as the financial neutral in a collaborative divorce, where both spouses and their attorneys commit to resolving matters outside of court.

Mediated Divorce Financial Planning

Financial analysis and scenario modeling that supports the mediation process and helps both parties evaluate proposals with clear numbers.

Grey Divorce Financial Planning

Specialized planning for divorce at age 50 and older, where retirement assets, Social Security, and health coverage carry the most weight.

Settlement And Asset Division Analysis

Organizing marital assets and liabilities, valuing them after taxes, and producing what-if projections for each settlement option.

Retirement Accounts And QDRO Guidance

Coordinating the division of 401(k)s, pensions, and IRAs, including the qualified domestic relations orders that workplace plans require.

Post-Divorce Financial Planning

Rebuilding after the decree: cash flow budgets, account retitling, beneficiary updates, investment strategy, and planning for what comes next.

Serving Middletown From Our Red Bank Office

Our office is at 125 Half Mile Road, Suite 200 in Red Bank, a short drive from anywhere in Middletown. We work with clients throughout Monmouth and Ocean County, including Red Bank, Rumson, Fair Haven, Little Silver, Holmdel, and Colts Neck, with in-person and virtual meetings available.

Oceanic Capital Management LLC

125 Half Mile Road, Suite 200
Red Bank, NJ 07701

Email: ocmsupport@oceaniccap.com

Meetings: In person or virtual, by appointment

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Why Middletown Families Work With Us

Choosing who sits on your divorce team is one of the most consequential decisions of the process. Our value comes from focused credentials, independence, and a standard of care that puts your interests first.

We are an independent Registered Investment Advisory firm based in Red Bank, minutes from Middletown, and we have guided clients through market cycles and major life transitions for decades. You can also hear Doug answer the Top 5 Financial Questions Women Ask During a NJ Divorce.

Fiduciary Standard Of Care

As an independent Registered Investment Advisory firm, our advisory recommendations are made in your best interest, with advice designed around your goals rather than product sales.
CDFA® Divorce Training

Our team holds the Certified Divorce Financial Analyst® designation, training focused specifically on the financial side of the divorce process.
A Team Approach

We work alongside your attorney or mediator, organizing financial data, building long-term projections, and modeling settlement scenarios.
Local To Monmouth County

We meet clients in person at our Red Bank office on Half Mile Road, or virtually, wherever you are in the process.

Douglas J Lyons, CFP®, CFA®, CDFA®

Managing Director

A Certified Divorce Financial Analyst® with more than 30 years of wealth management experience, including prior roles with UBS Private Wealth Consultants and Merrill Lynch's planning team. Doug leads our divorce financial planning work, from settlement analysis to post-divorce rebuilding.

Thomas H. Yorke, CFP®

Managing Director

A CERTIFIED FINANCIAL PLANNER™ professional with more than 30 years of institutional and retail investing experience across EF Hutton, Lehman Brothers, and Refco Securities, focused on portfolio construction, fixed income, and diversification. A lifelong Monmouth County resident.

Request A Divorce Financial Planning Consultation

If you want clear numbers behind every settlement decision, we would welcome a conversation. Schedule a time that works for you, or call our Red Bank office to get started.