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Financial Disclosure Review

Financial disclosure in divorce tested against the production itself: a cited note on each sworn line, and what the form leaves off found from transfers and tax forms.

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Follow the sworn form, note by note ↓

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The problem

A sworn form of dozens of lines, and thousands of produced pages to test it

Opposing counsel produces the records in volumes, weeks apart, each issuer in its own layout. A paralegal keys balances into a spreadsheet and ticks the sworn lines off, and the transfers out that would point to a missing account are seldom followed.

So the letter asking for what is missing leaves weeks after the last volume, too late for a subpoena to return before the deposition. A forensic accountant would find the gaps, but most cases cannot pay for one.

Built forFamily law attorneysForensic paralegalsForensic accountantsManaging partners

The Problem Today

A spouse swears to their finances, and someone must test each sworn line against thousands of statement pages.

672,502: divorces counted in 2023 by the 45 states that keep the tally published
40%: of partnered adults admit hiding money from a partner published

Tested by hand today

Statements
Pay stubs
Tax forms
Transfers

Found after the depositionThe request for what is missing leaves weeks after the last volume
Forensics for the rich cases onlyBelow high net worth, the sworn form is taken on trust

The Solution

Each page read and citedStatements, pay stubs and tax forms indexed by account and month
A note on each sworn lineAgrees, understated, undocumented, missing or not listed
Hidden accounts surfacedTransfers and tax forms followed to accounts the form leaves off
Deficiency letter, signedOne demand per accepted note, each citing its pages

Built-in controls

Nothing is sent or served without an attorney
Account numbers redacted in each output
The matter files train nothing

What You Get

The attorney reaches the deposition with each sworn line tested and a cited page under each note.

4 hours: for a paralegal per disclosure, down from about 40 our estimate

Accounts the form leaves offFound from transfers out and tax forms with no asset
Subpoenas timed to the depositionThird-party records asked for early enough to arrive
An exhibit list, readyEach exhibit tied to the sworn line it proves

From production to deposition

Financial disclosure in divorce, tested on the sworn page itself

Laid out as the review runs, from the first volume read to the deposition outline, with the person each screen serves.

01Months produced, by account
Every produced page indexed by account and month, with gaps flagged
How it works
- Three volumes, 3,400 pages and 328 documents read and indexed by account and month
- Each of 9,812 transactions cited to its Bates page
- One coverage strip per account across 36 months, quarterly plans marked as not due
- 236 of 240 expected statements produced, and each of the 4 gaps becomes a demand
Forensic paralegalKnows which months were held back the day after the last volume lands, not halfway through keying the spreadsheet.
02Margin notes on the sworn form
A cited margin note beside each line of the sworn form
How it works
- The sworn form laid out as its own pages, all 46 lines annotated beside them
- Five kinds of note: statements show, understated by, no document, statements missing, not listed
- Household help sworn at $1,800 a month in cash, against withdrawals averaging $650
Forensic paralegalDecides 46 notes with the reasons on file; testing the same form in a spreadsheet is about 40 hours of tick and tie.
03Income lines tested
Sworn income set against the W-2, the pay stubs and the 1099s
How it works
- Bonus sworn at $95,000; the year-end pay stub shows an annual incentive of $181,000
- Consulting fees sworn as none; a Form 1099-NEC and four deposits of $3,000 show $12,000
- Payroll deposits matched to the pay stubs in 72 of 72 pay periods
Forensic accountantSees sworn income of $438,100 against $536,100 in the records, each difference tied to the document that shows it, before any hours are billed.
04The line the form leaves out
Accounts missing from the sworn form, inserted where they belong
How it works
- Line 26 swears to one brokerage account; the records show two
- $212,000 went to an account ending 7713 in three transfers from checking
- A new account waits for an attorney under the firm's rule
Family law partnerPuts the account in the letter before the deposition. Left to a spreadsheet, an account the form leaves off surfaces after it, if at all.
05Source page
A margin note that opens the statement line it cites
How it works
- Each citation opens the produced page with the cited line highlighted
- The $95,000 transfer to the account ending 7713, marked on its checking statement
- All three transfers listed beneath it, $212,000 in total
- Add it to the letter, or turn it down with a reason, from that panel
Family law partnerChecks the proof behind a demand before it goes out over the attorney's signature, without asking anyone to pull the binder.
06Accounts on the form and in the records
A transfer trace that follows each large payment out to its other end
How it works
- Eight accounts on the sworn form, nine in the records
- 412 transfers out over $1,000 traced to where they land
- 409 land in a disclosed account or a known payee, and 3 land in the account ending 7713
- The tax return reports $1,284 of dividends from the firm that holds it
Forensic accountantSpends forensic hours valuing the accounts already found, instead of keying statements into a spreadsheet to find them.
07Assets without a document
Asset values checked against appraisals, invoices and insurance schedules
How it works
- Five watches sworn at $15,000; the homeowner's policy schedules them at $48,500, so the note reads understated by $33,500
- Artwork sworn at $22,000 has no appraisal or invoice in 3,400 pages
- A $40,000 loan receivable has no note and no matching transfer
Family law attorneyAsks for the appraisal, the invoices or the promissory note in the letter, before an undocumented value is taken on trust in the settlement.
08Deficiency letter, signed
A deficiency letter drafted from the accepted notes, one demand per line
How it works
- 11 numbered demands, one per accepted note
- Each demand names its sworn line and cites the pages behind it
- The paralegal prepares it; an attorney signs, and the preparer cannot
- Signed two days after the last volume, with a response asked before the deposition
Family law partnerSends the letter while an answer and a subpoena can still arrive before the deposition; the old letter left about three weeks after the last production.
09Exhibit list and deposition outline
An exhibit list and a deposition outline that quote the sworn form back
How it works
- 12 exhibits, each naming the sworn line it proves and how it comes in
- The outline orders 6 topics by weight, the unlisted account first
- 34 questions, each tied to a sworn line and its page
Associate attorneyStarts the outline from proof already gathered, with the account ending 7713 held open until its records arrive.

Eleven notes on one sworn form needed a decision, and each became a demand

The notes that went into the letter, in letter order; demand 11 asks for the state return behind a $7,400 refund. The other 35 lines agree with the records.

Sworn line	Sworn	Margin note	Demand
Number of brokerage accounts	1	Not listed: $212,000 sent to a second account ending 7713	1
Bonus	$95,000	Understated by $86,000: the pay stub shows $181,000	2
Other income: fees, consulting	None	Understated by $12,000: a Form 1099-NEC and four deposits	3
Savings, brokerage and credit card	Balances agree	Statements missing: four months across three accounts	4 to 6
Watches	$15,000	Understated by $33,500: insured at $48,500	7
Artwork	$22,000	No document: no appraisal or invoice produced	8
Loan receivable	$40,000	No document: no note, and no matching transfer	9
Household help, paid in cash	$1,800 a month	No document: cash withdrawals average $650 a month	10

Behind the notes

What a financial disclosure in divorce note opens, and who acted on it

The documents a citation opens, the log of decisions and the settings the firm holds.

Year-end pay stub opened as a source page, the annual incentive of $181,000 highlighted beside the sworn bonus of $95,000 — **The pay stub behind the bonus note**An annual incentive of $181,000 on the year-end pay stub, against a bonus sworn at $95,000.

Schedule B opened from the not-listed note, dividends of $1,284 from the unlisted brokerage firm highlighted, and the note marked as demand 1 — **The tax form that names the second firm**Schedule B lists $1,284 of dividends from the firm holding the account ending 7713, which appears nowhere on the sworn form.

Homeowner's policy schedule of five watches totaling $48,500, opened from the note on the sworn watches line of $15,000 — **Five watches on the insurance schedule**The valuable-articles schedule lists five watches, $48,500 in all, the page behind the understated note on line 32.

Audit trail of agents and people: production read, 46 margin notes written, 412 transfers traced, 10 notes accepted and the deficiency letter signed — **Who read, decided and signed**One trail for agents and people: the production read, 46 notes written, 10 accepted on review, and the letter signed.

Firm settings: balance tolerance, transfer match window, statement period, attorney review above $50,000, and the flags the agents raise — **Tolerances the firm sets once**A balance agrees within $250 or 2%, transfers match within 5 business days, and a new account or a note above $50,000 needs an attorney.

The paralegal accepts each note, and only an attorney adds a new account

Agents write the notes and the drafts. People decide what becomes a demand, and who signs it.

Forensic paralegal

Sees: Each margin note with its citation, the agent that wrote it and the cited page
Signs: Accepts a note or turns it down with a written reason, then prepares the letter and subpoenas, which a preparer cannot sign

Family law partner

Sees: Notes that find a new account or exceed $50,000, and the letter beside its checks
Signs: Decides each demand and signs the deficiency letter and the subpoenas

Associate attorney

Sees: The exhibit list, each exhibit tied to the line it proves
Signs: Drafts the deposition outline, and signs when the partner is away

Outside forensic accountant

Sees: The notes and the accounts the agents found
Signs: Comments on the notes, and changes nothing

Under the margin notes

What each agent reads, tests or drafts, and where it stops

Seven agents write the notes and the drafts; an attorney stands between their work and the other side.

Production reader

Reads statements, pay stubs, W-2s, 1099s and returns, indexes them by account and month, and cites each line to its Bates page.

Leaves each figure as printed

Line checker

Tests the sworn disclosure against the records, one line at a time, and writes the margin note.

Never marks a line as agreeing without a cited page

Account finder

Follows each transfer out to its other end and each tax form back to an asset.

Never accuses: it states what the records show and asks

Income tester

Puts sworn income beside the W-2s, pay stubs, 1099s and deposits.

Never estimates income without a document

Coverage agent

Walks the months of each account and lists the statements not produced.

Never treats a missing statement as a zero balance

Drafting agent

Drafts the deficiency letter, the subpoena riders, the exhibit list and the deposition outline, each demand tied to its line.

Never sends or serves anything

Privacy guard

Masks account and tax ID numbers, all but the closing four digits, wherever they are printed, and logs who read what.

Never releases a page with a full number on it

Questions family lawyers ask before testing a sworn disclosure

What is financial disclosure in divorce?

Financial disclosure in divorce is the sworn account a spouse gives of income, expenses, assets and debts, tested by the other side against the records produced. Here agents read the production, note each sworn line with its citation, find what the form leaves off and draft the deficiency letter for the attorney's signature.

Can it find hidden assets in divorce?

The account finder follows each large transfer out to its other end, and each tax form back to an asset. A transfer that lands in an account the form does not list, or dividends from a firm it never names, becomes a not-listed note with its pages cited.

What if the spouse lied on their financial disclosure?

The note states what the records show and asks; it does not accuse. The attorney decides whether it becomes a demand in the letter, a non-party subpoena or a question at the deposition, and the choice is logged with the reason.

Which bank statements for divorce does it expect?

Thirty-six months for each account by default, and sixty when concealment is suspected. A month not produced shows on the coverage grid and becomes a demand.

Does an agent ever send the letter or serve a subpoena?

No. Agents draft the letter, the subpoena riders and the exhibit list. The paralegal prepares them, an attorney signs them, and the person who prepared a letter or subpoena cannot sign it.

How are the parties' account numbers protected?

Account and tax ID numbers are masked except for the closing four digits in what the agents produce, with a log of who read what. The production is held where the firm keeps the matter.

Family Law

Every sworn line, a cited note
before the deposition.

Pick a disclosure your firm has already reviewed, and we'll set the margin notes beside what your team found.

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Financial Disclosure Review

A sworn form of dozens of lines, and thousands of produced pages to test it

The Problem Today

The Solution

What You Get

Financial disclosure in divorce, tested on the sworn page itself

Every produced page indexed by account and month, with gaps flagged

A cited margin note beside each line of the sworn form

Sworn income set against the W-2, the pay stubs and the 1099s

Accounts missing from the sworn form, inserted where they belong

A margin note that opens the statement line it cites

A transfer trace that follows each large payment out to its other end

Asset values checked against appraisals, invoices and insurance schedules

A deficiency letter drafted from the accepted notes, one demand per line

An exhibit list and a deposition outline that quote the sworn form back