Denisa Tova

CFP®, CDFA™, MBA

Phone: (516) 364-3232
Cell: (719) 291-7065
Fax: (516) 364-3186
Email: denisa@goKLG.com

Professional Profile

Denisa Tova is a Certified Financial Planner (CFP®), Certified Divorce Financial Analyst (CDFA™) and a Registered Investment Advisor (RIA) and brings nearly 20 years of experience working with matrimonial and trust and estate attorneys, previously in the Denver and Aspen area. She has assisted in over 1000 matrimonial matters. Her unique financial background allowed her to provide expertise in the area of retirement asset valuation, QDRO preparation, and overall analysis of total retirement assets, including rate of return projections and modeling equitable distribution of retirement assets in the most tax advantageous manner to avoid early withdrawal penalties. Denisa has been qualified as an expert witness.

For several years she has also appeared live on TV as a financial expert for Fox News, breaking down complicated financial topics. She brings the same to the court room and to her clients. Denisa was born and raised in Prague, Czech Republic and speaks fluent Czech.

Services include but are not limited to:

  • Valuation of retirement assets
  • QDRO preparation
  • Equitable distribution of retirement assets in the most tax advantageous manner to avoid early withdrawal penalties.
  • Tax impacting of asset divisions and cash flow scenarios.
  • Providing supportable rate of return projection and modeling income stream from retirement investment assets.
  • Tracing of separate retirement assets.
  • Determining executive compensation, including stock options.
  • Expert Testimony

Professional Experience

Testimonials:

Michael J Watanabe, US Magistrate Judge:

As a former district court judge in the State of Colorado and as a trial court judge for over 21 years, I want to take this opportunity to extend my personal thanks to you for assisting citizens of Colorado with dividing their finances rationally during their divorce proceedings. As a fomer state district court judge, I handled thousands of divorces and would have loved to have the types of services that you offer in divorce cases that I presided over. Keep up the valuable work that you perform. I can assure you that the current sitting district court judges in the State of Colorado appreciate your efforts. Respectfully yours, Michael J. Watanabe, US Magistrate Judge

Joseph D. Dirscherl, Attorney:

Thank you for your professional and cordial assistance with our clients matter.  Not only did we need present day values of the parties’ assets but also our clients needed guidance in the specific division of those assets.  Presently, it can be a difficult task when equalizing what might be considered a hard asset, such as home equity, vs. the volatility of a stock fund.  I think both of the clients are pleased with the liquidity of the accounts they have and the security of the longer range investments and retirement accounts.  Sincerely, Joseph D. Dirscherl, Attorney

Jessica K. Peck, Attorney:

Denisa is a true pro. I trust her judgment and even when we’re dealing with a high asset case, she communicates efficiently and ethically. She makes a tough time easier for so many families. Jessica K. Peck, Attorney

Educational Background

  • M.B.A. – Masters in Business Administration – Western Governors University
  • B.A. in Organizational Management – Ashford University

Licenses & Designations

  • Certified Financial Planner™ Practitioner (CFP®) – The American College in Bryn Mawr, PA
  • Certified Divorce Financial Analyst (CDFA™) – The Institute CDFA in Deerfield, MI
  • Collaboratively Trained Financial Neutral (assisted in over 50 collaborative cases)
  • Mediator

Memberships & Affiliations

  • Member of the Institute of Certified Divorce Financial Analysts
  • Formerly: President of the Pikes Peak Collaborative Law Association, Member of the Colorado Law Bar Association, Member of the Colorado Springs Family Law & Estate Planning Section

Publications

  • For 5 years, served as an on-air financial analyst for Fox TV News and Radio.
  • Former Columnist for the Denver Post and Colorado Springs Gazette.
  • Published a book The Bedroom Elephant: A Guide to Successful Divorce in 2014.
  • Contributing writer to Investing in Uncertain Economy for Dummies book, published in 2008.
  • Has been quoted in, contributed to and wrote an article or column for: Denver Post, Chicago Tribune, Colorado Springs Gazette, Professional Building Review, to name a few.
  • A list of some of the published Denver Post Columns – 2013:
    • Investing in shaking times
    • Acing your open enrollment
    • Prepaid debit cards go mainstream
    • Before you say Yes to rent to own
    • Borrowing against your retirement
    • Borrowing money in the worst ways
    • Credit fixes
    • Tips to donate safely

Speaking Engagements

  • Feb 2017 – Women Council of Realtors “From ME to WE: How to Blend and Manage Financial Lives, Assets and Interests”
  • Feb 2017 – Webinar “Divorce on Wall street”
  • Jan 2017 – Webinar “Divorcing Late in Life”
  • July 2016 – Jackson National  – “Standing Financial Strong”
  • Aug 2015 – Angel Investors – “How to get your spouse on the same page about PostNup”
  • June 2013 – Jackson National  – “Golden Rules of Money”
  • Nov 2012/13 – Mceed Junior Achievement Annual Stock Market High School Challenge
  • May 2013 – ING Women’s Advisory Network Forum – “Divorce Financial and Tax Issues”
  • Jan 2013 – Mceed Century Link’s Annual National Top Executives Business Event
  • Jan 2012 – Colorado Springs Estate Planning Council  – “Tax Planning Tools in Divorce”
  • May 2011 – Family Law Section – “Review of the Basics & The Exotics”
  • Jan 2011 – Kiwanis Club – “Understanding Your Retirement Number”
  • 2011-17 Seminars for Women  – “It’s Your Money, Make it Last”
  • Nov 2009 – Col Springs Family Law Conference  – “Recessionary Divorce Financial Planning”
  • May 2008 – Family Law Section  – “Taxes and Divorce”; the power of the 72(t)(2)(c) section”
  • Nov 2006 – Col Springs Family Law Conference  – “The Role of a Financial Divorce Practitioner and Financial Planning Opportunities in the Division of Retirement Plans”
  • Addressed over 300 financial topics live on air for Fox News TV and radio