Empathy and experience for your new financial future
Divorce Solutions
Divorce is one of life’s most challenging transitions, bringing emotional and financial uncertainty. At Harvest Financial Advisors, we are here to ease the burden. With care and expertise, we partner with you to navigate the financial complexities of divorce so you can experience a balanced and informed transition into your new financial future.
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A personal approach to your unique circumstances
Harvest’s Certified Divorce Financial Analysts® have experience supporting the diverse needs of clients navigating divorce. Depending on your situation, our team will partner with you in one of the four ways outlined below.
Neutral Mediation
We facilitate amicable divorces by serving as an impartial financial mediator, helping both parties reach equitable agreements. The couple may already have ideas about how they would like to divide their assets and co-parent their minor children (if any). Our role is to educate the couple about the financial impact of their decisions and help them create alternative solutions if needed.
Advocacy
For those requiring representation, we advocate for one party, providing financial guidance and support. Reasons we would be hired as an advocate include reviewing the fairness or tax implications of a settlement offered by a spouse or running a retirement plan to help determine what kind of retirement income they could expect based on a particular settlement offer.
Collaborative Divorce Support
For more complex divorce cases, and where a full team of professionals is desired, a couple may choose Collaborative Law. As part of a Collaborative Law Team, we operate as neutral advisors, contributing to a cooperative and constructive divorce process to help organize and facilitate asset division.
Post-Divorce Financial Planning
Once the divorce is finalized, we empower clients with financial education on everything from budgeting to rebuilding wealth through savings strategies. This strategic planning can also focus on sound investment management and tax optimization moving forward so you have confidence in your future financial seasons.
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Our Process

We strive to bring a sense of partnership and efficiency to our divorce solution process. Depending on which of the above roles your situation requires us to play, the process may vary slightly.

1. Discovery Call
During a 30-minute meeting by phone, the Certified Financial Divorce Analyst® find out more about your needs and what role we will likely take from the options above.
2. Gather Data
Based on your unique needs and goals, we may request certain documents to review them in advance. All information gathered is confidential and may include financial information, debts, child-related information, or established agreements.
3. Develop Your New Financial Roadmap
After reviewing the documents, we meet to provide you with the needed assistance. While some situations only require one meeting, others require multiple sessions to review agreements, explore your options, and help create a post-divorce path you feel comfortable with and confident in.
4. Ongoing Relationship
After our engagement finishes, many clients move forward with our team for asset management and ongoing financial planning.

Why Choose Us?

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Expert Guidance

Our Certified Divorce Financial Analysts® offer specialized knowledge to navigate the complex financial and tax implications of divorce.

Financial Analysis

We meticulously gather and organize essential financial data, equipping you and your attorney with critical insights for informed decision-making.

Efficient Process

Utilizing the same advanced family law software as legal professionals, we streamline the divorce process, saving time and reducing stress.

Financially Mindful

You can avoid court costs and legal fees if your separation is generally agreeable and you can come to an amicable and fully informed agreement for division.

Trusted relationships. True wisdom.

Our Certified Divorce Financial Analysts® are here to support you with empathy and expertise so you feel confident about your financial future.

Monica Dwyer

Senior Vice President, Wealth Advisor

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Monica Dwyer

Senior Vice President, Wealth Advisor

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 Schlie

Vice President, Wealth Advisor

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Joy Schlie

Vice President, Wealth Advisor

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.

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For every financial season ahead

With Harvest Financial Advisors by your side, you gain a partner committed to securing your present and future financial well-being during the transformative time of divorce.

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