Carl M. Palatnik, Ph.D., CFP®, CDFA™, AAMS


Certified Divorce Financial Analyst™

200 Broadhollow Road, Suite 207

Melville, NY 11747

Ph: 631-470-0331

Fax: 516-746-5361


“Divorce can be one of the most difficult and painful experiences in life. It can also be an opportunity to take charge of your life and build an extraordinary future for yourself.”

- Carl M. Palatnik, Ph.D., CFP®, CDFA™, AAMS


Trained in 1994, when divorce financial planning was still in its infancy, Carl M. Palatnik, Ph.D., CFP®, CDFA™, AAMS has become one of the preeminent and most experienced divorce financial planners in the country. He is founding president and executive vice president of the Association of Divorce Financial Planners, the largest professional not-for-profit association of divorce financial planning practitioners in the United States. He founded and is president of, a busy internet portal containing information, survival tools and helpful resources for people affected by divorce. He previously hosted the internet radio program “Divorce Talk,” broadcast on

Carl is a CERTIFIED FINANCIAL PLANNER™ practitioner, a Certified Divorce Financial Analyst™ (formerly known as Certified Divorce Planner or CDP), an Accredited Asset Management Specialist, an NASD-Registered General Securities Principal and Branch Manager of the Mineola, NY office of Cadaret, Grant & Co., Inc., an NASD-registered broker/dealer. He has received numerous awards for outstanding achievement in financial planning, including designation as a subject of biographical record in Marquis Who’s Who in Finance and Industry and Consumer Research Council of America's Guide to America's Best Financial Planners. He has been consulted frequently and cited by the media on divorce planning issues and has lectured to other divorce professionals on a variety of financial topics. He has served on the advisory boards of Divorce Magazine, the College for Divorce Specialists and the NYU Divorce Project. He is on the editorial board of New York Family Law Monthly and has published numerous articles in New York Family Law Monthly, Divorce Magazine, and other financial publications.

Divorce Planning Services:

While divorce financial planning can be applied to both litigated and mediated divorces, it is most effective when begun early in the process. Handled improperly, divorce can lead to unworkable outcomes and future financial hardships. These in turn can lead to emotional scarring of the children as well as the parents. In applying the principles of financial planning to divorce, it is important to stabilize the situation early. This enables individuals to address their short-term needs and begin to identify, analyze and define the financial issues of the divorce. Doing this properly is important because the ultimate financial outcome will be dependent upon the reliability of the information. Armed with good information, it is possible to quantify the needs and paying abilities of the parties, analyze proposed settlements in their long-term economic contexts and, where appropriate, develop alternative settlement scenarios for discussion or review. Once an outcome has been finalized, traditional money management and long-term financial planning techniques can be applied to help establish post-divorce budgets, avoid future financial pitfalls and achieve long-term goals.

Money Management Services:

Post-divorce money management services are fee-based and provided, in part, through Cadaret, Grant & Co., Inc., member NASD & SIPC (New York clients only). Services include cash management and budgeting; analysis of post-divorce financial condition, goals and objectives; development of a personal financial plan; design and management of an investment portfolio consistent with the plan; ongoing monitoring; and regular meetings to review and update objectives and progress toward achieving those goals.

Free Initial Consultation:

A free initial consultation is provided to prospective clients to determine if their needs and my practice are well-matched.


Should Retirement Plans Be Discounted for Taxes?

Considering a Particular Settlement? Will It Work for You?

Pre-Divorce Financial Planning: Could This Be the Next Frontier?

The Marital Residence: A Complex Financial Asset

The JGTRRA of 2003: Financial Implications for Divorce

Driving Directions

Carl M. Palatnik is NOT AN ATTORNEY AND DOES NOT PROVIDE LEGAL ADVICE. All information he provides is financial in nature and should not be construed or relied upon as legal advice. Individuals seeking legal advice should solicit the counsel of competent legal professionals knowledgeable about the divorce laws in their geographical areas.

CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards Inc. These marks are awarded to individuals who successfully complete CFP Board's initial and ongoing certification requirements.