Joan Coullahan, CFDS

Areas of Expertise

I am qualified as an Expert Witness in the areas of:

  • Present valuation of defined benefit pensions
  • Tracing and calculation of appreciation/depreciation on separate property
  • Tracing marital and separate contributions to home equity using Brandenburg and Keeling formulas
  • Calculation of net cash flow to show need for spousal support
  • Calculations and Reports:
    • Tracing and calculation of appreciation/depreciation of separate or marital contributions to an asset
    • Analysis and valuation of Defined Benefit pensions and Defined Contribution plans
    • Calculation and valuation of lump sum Spousal Support with taxation effects
    • Evaluation of benefits/consequences of retaining the marital home
    • Analysis of cost basis of marital and mixed property
    • Preparation of cash-flow analyses including Child and Spousal Support with tax effects
    • Calculation of martial and separate portions of Stock Option Grants and Restricted Stock Units


  • Bachelor of Science, Business, University of Maryland, 1987
  • Master of Business Administration, Shenandoah University, 1992
  • Financial Divorce Association CE, 2007-2016
  • Virginia CLE – Family Law Financial Topics, 1998-2015
  • Collaborative Law Advanced Training, 2006 and 2011
  • College for Divorce Specialists, 2003
  • Collaborative Law Training, 2003
  • Advanced QDROs and Pensions Institute, 2000
  • Advanced Institute Training, 1998
  • ICDP Basic Certification, 1997

Designations (Past and Present)

  • Certified Financial Divorce Specialist
  • Certified Divorce Financial Analyst
  • Certified Financial Divorce Practitioner
  • Certified Divorce Planner
  • Series 7 and Series 66

Professional Affiliations (Past and Present)

  • Institute for Certified Divorce Financial Analysts, Fellow
  • Academy of Financial Divorce Practitioners, Fellow
  • International Association of Divorce Planners

Professional Affiliations (Past and Present)

  • Collaborative Law Society
  • Financial Planning Association
  • International Association of Collaborative Professionals
  • Academy of Northern Kentucky Collaborative Professionals
  • National Association of Women Business Owners
  • Authored Works


  • The Entrepreneurial Woman’s Toolkit (e-book) (Contributing) 2005
  • Tips from the Top: Targeted Advice from American’s Top Money Minds, Alpha Books, 2003 (Contributing)
  • Financial Custody: You, Your Money and Divorce, Alpha Books, 2002 (Co-Author)
  • The Everywoman’s Guide to Confident Investing, Alpha Books, 2001 (Contributing)


  • “Avoid These Three Mistakes in Divorce”
  • “Your Divorce Settlement: Be Careful What You Ask For”
  • “Managing the Risks of Divorce”
  • “Dispelling Some Myths of Divorce – The Reality of What You Will and Won’t Get”
  • “A 50-50 Division: Equal But Is It Fair”
  • “Control Your Divorce”
  • “Should You Keep the House in Divorce?”
  • “The Financial Costs of Going to Court”
  • “Why Divorce Gets Dirty”
  • “Divorce Settlements and How to Avoid Bad Tax Surprises”

Featured Speaker

  • Sterling Women – November 2015
  • Virginia CLE – “Retirement Benefits in Divorce: Financial and Practice Strategies” April 2015
  • New Transitions Group – “The Financial Issues In Divorce”
  • Your Divorce Force Education Course – “Divorce: The Financial Issues”
  • Fairfax, Loudoun and Arlington County Virginia Adult Continuing Education Programs – “The Financial Reality of Divorce”
  • The Women’s Center programs (Virginia, Maryland, and the District of Columbia)
  • Regional and national television and radio
  • Corporate employee programs including ExxonMobil and the Department of Energy
  • National Project GreenPurse conferences; CNN Financial News

Expert Witness Testimony

  • Circuit Courts of Fairfax County, Loudoun County and Prince William County, Virginia
  • Circuit Court of Montgomery County, Maryland, Circuit Court of Nashville, Tennessee