About John Faggio

John Faggio is the managing director of Faggio Financial, LLC (, Maryland’s only exclusive matrimonial finance practice. John is a CPA, a Certified Financial Planner® Professional, and a Certified Divorce Financial Analyst (CDFA®).

Maryland Divorce Costs – Are They Negotiable?

The saying goes, “everything is negotiable.” I haven’t found that to be true when it comes to Maryland divorce costs. Prior to the economic decline in 2009, most divorce professionals, including divorce financial planners, would not negotiate their fee, and pretty much “the sky was the limit” for fees in highly contested, litigated cases. [...]

By | 2017-08-04T08:57:15+00:00 September 1st, 2011|Costs of Divorce, Divorce Fees in Maryland|0 Comments

Maryland Divorce Advice – Critical Tax and Financial Issues

I’ve seen it time and time again. When divorcing spouses sign divorce agreements without the guidance of an experienced Financial Divorce Specialist, the result can be significantly higher income taxes and unnecessary penalties for either or both spouses. Many times, the Maryland Separation and Divorce Agreement (MSA) does not address significant tax issues, its [...]

Maryland Divorce Advice – What does a divorce financial planner do?

I first learned how critically important Divorce Financial Planning was in my own divorce in 1999. At that time, I had no specialized training and emotionally, I was focused strictly on getting through one day at a time. Years later, I discovered that many people could use a special type of independent divorce advice, properly [...]

Divorce in Maryland – Special rules for Government Employees

Federal Government employees and their spouses who reside in Maryland face different hurdles when going through the divorce process. Special care is required to assure that the "ends justify the means" of the Maryland Property Divorce Settlement. The issues that have to be skillfully dealt with include: Retirement Benefit Court Order Pension Offset or Sharing [...]

By | 2017-07-31T12:23:09+00:00 June 3rd, 2011|Federal Employee Benefits|0 Comments

Maryland Divorce Financial Statements – Time for a change?

Prior to October 1st, 2010, the Maryland Child Support Guidelines had not been amended for 22 years. According to the Department of Family Administration website, the long form financial statement that’s used in the majority of divorce cases was last revised in 2001. Is it time for a change? Judges and Masters, who are under immense [...]

By | 2017-07-31T12:24:41+00:00 April 21st, 2011|Budgets, Divorce Financial Planning|0 Comments

Five Costly Mistakes in Divorce Settlement Agreements

I always tell clients that my work is not complete until I review the draft of the property settlement agreement. In fact, I strongly believe that a Certified Divorce Financial Analyst (CDFA) review any divorce agreement where finances (deductible alimony, retirement, pensions, etc.) are a significant part of that agreement. But wait a minute; shouldn’t [...]