In this episode, we sit down with Ruchita Shah, Senior Director at CBIZ Forensic Consulting Group, to uncover how forensic accounting can bring truth and clarity to complex divorces. With years of experience tracing hidden assets and analyzing marital finances, Ruchita reveals how a forensic CPA helps ensure fair settlements and financial transparency when trust has broken down.

We discuss what red flags may signal the need for a forensic expert, how lifestyle analysis shapes spousal support, and why documentation and early action are key to protecting your financial future. Through real-world examples and practical advice, Ruchita shows how understanding your numbers can be one of the most empowering steps in your divorce journey.

Key Topics Covered:

○ Forensic accounting 101

⁃ Understanding the role of a forensic CPA in divorce litigation

⁃ Differences between traditional and forensic CPAs

⁃ How financial investigations help achieve transparency and closure

○ Lifestyle analysis and marital standard of living

⁃ How lifestyle assessments shape spousal support and property division

⁃ Income-based vs. expense-based lifestyle methods

⁃ Why clarity about marital expenses helps both spouses

○ Spotting financial red flags

⁃ Common signs that a forensic investigation may be needed

⁃ When income and lifestyle don’t align

⁃ Evaluating if an investigation is worth the cost and peace of mind

○ The forensic process

⁃ Step-by-step breakdown of how CPAs review disclosures, tax returns, and records

⁃ How assumptions are made when data is incomplete

⁃ Working under an attorney's direction and collaborating with opposing experts

○ Protecting yourself during a divorce

⁃ What to gather early: tax returns, bank statements, and key financial documents

⁃ Why you should file a support order as soon as possible

⁃ Importance of transparency, responsiveness, and involving a financial advisor early

“It’s not just us accountants who learn from lifestyle analysis — it’s the clients too. They realize, often for the first time, what their true expenses are and what their life really costs.” - Ruchita Shah

Connect with Ruchita Shah:

Website: https://www.cbiz.com/about/people/ruchita-shah

LinkedIn: https://www.linkedin.com/in/ruchita-shahcpa/

Connect with Ksenia Muench:

Website: https://www.thriveagaindivorcecoaching.com/

Instagram: https://www.instagram.com/thriveagaindivorcecoaching/

LinkedIn: https://www.linkedin.com/in/kvmuench/

Email: ksenia@thriveagaindivorcecoaching.com