John P. Cito is an independent financial advisor, a Certified Senior Advisor, and a Certified Divorce Financial Analyst™. He works with Matrimonial Lawyers and Mediators as well as individuals in the process of getting divorced.

As a Certified Divorce Financial Analyst, John looks at the asset division of a proposed divorce settlement in the future sense. What appears to be fair and equal today in a settlement may not be five or ten years from now. Then it is too late. Many proposed divorce settlements do not take into consideration factors such as inflation, taxes, increases in the cost of living, etc. John shows his clients how careful planning before and after the divorce can help them become financially fit long after the marriage has ended. By implementing a strategy using mathematics and logic, John then helps his post-divorce clients by designing portfolios that never run out of money, never lose money, increase monthly income (if needed) and reduce the tax liability.

John P. Cito began his career over 20 years ago with a major Wall Street firm and in 1986, opened his own firm. He now has offices in Hackensack, NJ and Bethlehem, PA. John is a member of the Institute for Divorce Financial Analysts, the Association for Divorce Financial Analysts, and the Financial Divorce Association. He has written numerous articles on financial issues pertaining to pre- and post-divorce planning and is listed in the Peer Recommended Professionals section of Divorce Magazine.