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 Advice – Five Really Big Mistakes that Increase Costs

I have seen a recurring pattern in many Maryland divorce property settlement negotiations. Whether it is a Collaborative, Cooperative, Litigated, or Mediated case, these mistakes do nothing but delay the inevitable and increase the costs of the divorce. Holding on to the garden hose A divorce attorney told me about a case where the [...]

By | 2017-08-04T08:57:22+00:00 January 10th, 2012|Costs of Divorce, Divorce Negotiations, Mediation|0 Comments

Maryland Divorce Advice for Women
7 Tips to Avoid Financial Disaster

A Divorce in Maryland can be very expensive. It can leave either spouse at risk for financial disaster, including bankruptcy. Advance divorce financial planning will greatly improve one's chances of an equitable settlement. These practical measures can take to minimize your costs or, at least, keep them under control: Do not get stuck on [...]

Retirement Accounts and Divorce – Fed VCP a hidden asset?

Maryland ranks as one of the states with the highest number of Federal employees with approximately 260,000 at the end of 2010. With the national divorce rate still hovering around 50%, it stands to reason that a significant number of Maryland Separation and Divorce Agreements (MSA) will cover at least one Federally-employed spouse. In most [...]

By | 2017-07-27T11:10:31+00:00 November 10th, 2011|Federal Employee Benefits|0 Comments

Are Alimony Guidelines Used in Maryland Cases Reliable?

In most Maryland divorce cases that I have been involved in, divorce attorneys refer to available Guidelines to give them parameters for assessing possible alimony amounts and term. The two Guideline tools readily available are those produced by the American Academy of Matrimonial Attorneys (AAML) and what is commonly referred to as the Kaufman [...]

By | 2017-07-31T12:19:13+00:00 November 3rd, 2011|Alimony|0 Comments

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 [...]