CDFA®
AAMS®
BFA™
Certified Mediator
20+ Years of Experience
800+ CE Hours
I help you understand your division options — retirement, pensions, the house, business interests — get spousal and child support right the first time, and avoid tax surprises that quietly undo a settlement. Mediation available when both sides are ready. Available in all 50 states virtually.
Divorce is the largest destroyer of wealth. It doesn't have to be.
Follow the money, not assign blame. Whether you need triage, advocacy, or expert work, the analysis is the same.
Most often, the spouse who wasn't the one keeping the books. Sometimes, the one who was and wants another expert eye on the strategy, the tax picture, and what to do next. Either way, you need someone who can see the whole picture before anything is agreed to.
You cannot explain the gap between what your spouse says they earn and how your life is lived. Income suddenly dropped. Accounts you never knew about. Expenses running through a business. You want another set of eyes who knows what to look for before you sign anything.
Clients who already have counsel and need one focused deliverable without a full engagement. Attorneys who need a pension valued, a QDRO drafted, or a business valuation triaged. Specialty planning for military pensions, gray divorce, special needs, and retirement benefits.
My work doesn't start when the paperwork gets filed and stop when the ink dries. It begins the moment you sense something is changing, and continues until your new life is on solid ground.
We assess what you have, identify what's missing, and prepare you to make decisions from clarity instead of fear. Often the most valuable work happens before anything is filed.
Whether you're heading to mediation or alongside an attorney in litigation. Discovery review, asset tracing, settlement scenarios, tax-impact modeling. Positions that hold up under pressure.
A clear plan for cash flow, investments, taxes, and long-term independence. This is where decisions made during the divorce become real life, and where most people are quietly left on their own.
Most financial professionals don't get involved until after the divorce is over.
That's too late. The decisions made during divorce determine everything that comes next.
Every engagement starts with a complimentary 30-minute consultation. When both parties fully disclose, a flat fee gives you certainty. When scope is open-ended, a retainer sized to complexity fits honestly. We decide which path on the call.
"I just need to understand what I have and what to do next."
A confidential, limited-scope snapshot for you only, so you can decide how to proceed and aren't blindsided.
"We both want fairness. We'll both disclose. We have our own attorneys."
One shared financial analysis — balance sheet, budgets, division scenarios — prepared for your existing legal or mediation team.
"We both want fairness. We'll both disclose. We want to mediate out of court."
I serve as your mediator and draft the Memorandum of Understanding. Your attorney prepares and files the final legal documents.
"I need you in my corner. Both sides will cooperate with disclosure."
I represent you specifically — not both parties — but both sides produce what I ask for without resistance. Scope is knowable, so I quote flat.
It doesn't mean you need every document in hand on day one. It means both parties are willing and able to produce what I ask for as the analysis unfolds — account statements, tax returns, retirement balances, business records, pay stubs — without a lawyer having to push through formal discovery. If I need it, it gets handed over. That cooperation is what makes flat-fee pricing honest.
If the other side is resistant or disclosure keeps coming up incomplete, I identify exactly what's missing and hand your attorney a running list. How your attorney pursues it is their call. Every divorcing spouse has a legal obligation to disclose, so we get there either way. The difference is cost. Voluntary disclosure saves everyone money, time, and friction — and leaves more on the table to divide: more for your kids, more for your retirement, more for whatever comes next depending on where you are in life.
Every flat-fee engagement includes a cap on hours and client meetings, defined in your engagement letter. The flat fee is payment in full for the work within that cap. If the case runs long or the scope grows for a reason neither of us anticipated — a newly surfaced business with significant revenue, an unknown investment property, a hidden account — we renegotiate before any additional work is billed. Work beyond the cap is $250 per hour.
Multiple business entities, out-of-state property, significant deferred compensation, high-conflict spouse and counsel — the structure gets decided at the consultation. Sometimes that's a larger flat fee scoped to the whole case. More often it's a retainer with explicit phase gates, so you always know what the next check covers before you write it.
Forensic accounting is deep investigative work for suspected financial crimes, typically done by a CPA with specialized certifications. The analysis most divorce cases actually need — asset tracing, lifestyle analysis, income reconstruction, business triage, property characterization — is what I do. When a case genuinely requires formal forensic accounting, I say so.
For attorneys who need one piece of financial work for a client, or for clients who already have counsel and need a focused deliverable without a full engagement.
Business valuations for divorce purposes. For each entity: cash flow, marital versus separate equity, formation date, tax treatment, and 20+ year projections of value and cash flow to each party. The goal is a workable, agreeable number that holds up for the settlement. I am not a credentialed business valuator and do not produce a defensible opinion of value. When a case genuinely needs a formal certified valuation to reach the right outcome, I say so clearly. Also used to integrate a completed outside valuation into the divorce math. Full explanation for attorneys →
You have a proposed Memorandum of Understanding, marital balance sheet, or settlement. Upload it before the call. One focused hour to tell you what it actually means for your future, line by line, before you sign.
Present value of pension benefits for property division. Includes military, federal service, and private pensions.
Qualified Domestic Relations Orders for dividing retirement accounts without tax penalties or loss. Final fee depends on plan complexity, number of accounts, and whether survivor benefits or special provisions are required. Includes guidance through transfer and distribution.
Valuation of RSUs, stock options, ISOs, NQSOs, deferred compensation, and bonuses that are routinely under-disclosed.
Critical if a 401(k) was started before marriage and separate versus marital portions need to be identified.
Documented picture of true household spending and income, especially important when expenses run through a business or when support is contested.
Documenting what is premarital, inherited, or gifted versus what is marital. Brokerage accounts, retirement accounts, real estate, business interests, and commingled funds. Critical when one party brought significant assets into the marriage or inherited during it.
When maintenance is agreed to but the receiver wants a lump sum up front or a combination of lump sum and ongoing payments.
Account transfers, QDRO implementation, beneficiary updates, and setting new financial goals based on your post-divorce reality.
No travel charge within Cleveland, Oklahoma, and McClain counties.
Standalone attorney-retained expert work. Court-ready financial reports, deposition prep, and testimony. Attorney reference page →
48-hour turnaround when needed and the schedule allows.
This work is designed for divorcing couples, or either spouse in a household with meaningful assets to protect. Most clients have retirement accounts, home equity, investments, business interests, or combinations of all four. Men and women both hire me — the analysis is the same either way.
If your estate is below $250,000, a full CDFA engagement likely costs more than it saves you. Start with the free resource instead, and we'll point you toward lower-cost options that fit your situation.
A free download covering the documents to gather, the questions to ask, and the financial decisions that cannot be undone. Gives you a starting point when you're ready to decide what comes next.
Download free checklistSix areas where generalist analysis isn't enough. These are cases where specialized knowledge changes the outcome.
As a USMC veteran, I understand military pensions, Survivor Benefit Plan, 10/10 rules, DFAS direct payment, and how the date of divorce affects the calculation. For active duty, retiree, or reserve.
For anyone over 50, the homemaker spouse, or anyone facing unplanned retirement. Social Security timing, pension division, healthcare gaps, and long-term income planning when the runway is shorter.
Supplemental needs trusts, ABLE accounts, Medicaid-aware settlement structuring, and ongoing support that protects public benefits for a child or dependent with disabilities.
QDROs, pension valuations, federal service benefits, executive compensation packages, Roth conversions, and division of complex retirement arrangements including non-qualified plans.
When one spouse owns businesses, controls the financial information, or reports a fraction of actual income. Asset tracing, lifestyle analysis, business valuation triage, and the complete analysis your attorney needs to negotiate from the real numbers rather than the disclosed ones.
Rental properties, vacation homes, and investment real estate. Cash flow analysis, tax implications of division including depreciation recapture and capital gains, options for who keeps what, and the long-term financial impact of holding or selling.
What sets this practice apart
Deep experience with IRS resolutions in divorce: IRS debt and audits that surface mid-divorce, innocent spouse relief, Currently Not Collectible status, and joint liability analysis.
A complimentary 30-minute consultation. No pressure, no obligation — just an honest conversation about where you are and what might come next.
Income suddenly drops. The business is "losing money." Expenses you've never seen are running through company accounts. If something feels off, it usually is, and there's a paper trail.
In complex cases, finding what's been overlooked, or deliberately hidden, is rarely about luck. It's about knowing where to look, what to ask for, and how to read what you get back.
I'm Amy Million, founder of Modern Divorce Solutions. With more than twenty years of experience, I'm a Certified Divorce Financial Analyst®, Behavioral Financial Advisor™, Accredited Asset Management Specialist®, and Certified Mediator.
Divorce financial work is my practice, not a sideline to investment management. I do this every day: mediation, litigation support, financial forensics, and expert-level analysis in cases where the numbers matter and aren't always easy to find.
I will get in the trenches with you. I will walk through the documents, the decisions, and the difficult conversations, and show you that you can navigate this.
Oklahoma is my home practice, and I am available virtually in all 50 states.
What I am — and what I'm not.
I'm a financial professional, not an attorney. I don't practice law, file documents, or appear in court as counsel. Your attorney stays your attorney.
What I do is the financial analysis that makes the legal work possible: the marital balance sheet, the budgets, the division scenarios, the tax modeling, the asset tracing, the reports your attorney uses to negotiate or present to the court. I work alongside attorneys — never in place of them.
Series 7, 63, and 66 securities registrations and insurance producer license maintained through Osaic Wealth, Inc., with continuing education current. For full disclosures and Form ADV, see millionwm.com.
A complimentary 30-minute consultation. You tell me what's on your mind, and I'll tell you honestly whether I'm the right person to help and which path forward fits your situation.
Schedule your consultation