> ## Documentation Index
> Fetch the complete documentation index at: https://docs.divorce.law/llms.txt
> Use this file to discover all available pages before exploring further.

# Financial Analyst Agent

> AI specialist for asset division, spousal support, and financial calculations with jurisdiction-specific calculation rules

## Overview

Victoria's **Financial Analyst** agent is your AI financial expert, specializing in complex divorce calculations including asset division, spousal support, child support, and financial analysis. Powered by Claude Opus 4.1 for maximum precision.

**Model**: Claude Opus 4.1
**Average Cost**: \~\$0.15-0.25 per complex calculation
**Primary Use**: Financial calculations, support analysis, asset division

<Note>
  **Jurisdiction Intelligence**: Victoria knows the child support and spousal support calculation methods for all 61 jurisdictions (50 U.S. states + 11 Canadian provinces/territories), including Income Shares, Percentage of Income, Melson Formula, and jurisdiction-specific guidelines.
</Note>

## Capabilities

<CardGroup cols={2}>
  <Card title="Asset Division" icon="balance-scale">
    Calculate equitable distribution with jurisdiction-specific rules (community property vs equitable distribution)
  </Card>

  <Card title="Spousal Support" icon="hand-holding-dollar">
    Analyze support calculations using jurisdiction-specific guidelines, formulas, and statutory factors
  </Card>

  <Card title="Child Support" icon="child">
    Calculate child support with jurisdiction-specific guideline worksheets (Income Shares, Percentage, Melson)
  </Card>

  <Card title="Financial Analysis" icon="chart-line">
    Analyze income, expenses, and financial affidavits with jurisdiction context
  </Card>
</CardGroup>

## Victoria's Jurisdiction Intelligence

**This is what makes Victoria powerful**: She doesn't just do generic calculations—she knows the **exact child support and spousal support calculation methods for your jurisdiction**.

### 61 Jurisdictions, Three Calculation Models

Victoria is trained on child support guidelines for **all 50 U.S. states + 11 Canadian provinces/territories**:

<CardGroup cols={3}>
  <Card title="Income Shares Model" icon="chart-pie">
    41 U.S. states + most Canadian provinces

    Examples: FL, CA, NY, GA, ON
  </Card>

  <Card title="Percentage of Income" icon="percent">
    8 U.S. states

    Examples: TX, WI, IL, AK
  </Card>

  <Card title="Melson Formula" icon="calculator">
    3 U.S. states (hybrid)

    DE, HI, MT
  </Card>
</CardGroup>

When you ask Victoria "Calculate child support for my case," she doesn't give a generic answer—she applies **your jurisdiction's specific guidelines, statutes, and calculation method**.

### Real Example: Florida vs California vs Texas

**Florida Attorney asks**: "Calculate child support. Father earns $80,000/year, mother earns $50,000/year, 2 children."

**Victoria responds**:

```
Florida Child Support Calculation (Income Shares Model)
Statutory Authority: Florida Statutes § 61.30

Step 1: Calculate Net Income
- Father Gross: $80,000/year = $6,667/month
  Deductions: FICA ($510), Federal Tax ($933), FL has no state income tax
  Father Net: $5,224/month

- Mother Gross: $50,000/year = $4,167/month
  Deductions: FICA ($319), Federal Tax ($467)
  Mother Net: $3,381/month

- Combined Net: $8,605/month

Step 2: Apply Florida Guidelines Schedule
- Combined net $8,605/month × 2 children
- Per FL § 61.30(11) schedule: Basic Obligation = $1,750/month

Step 3: Pro-Rate by Income Share
- Father's share: 60.7% × $1,750 = $1,062/month
- Mother's share: 39.3% × $1,750 = $688/month

FLORIDA uses NET income (unique - most states use gross)
Child Support Obligation: Father pays $1,062/month
```

**California Attorney asks**: Same facts

**Victoria responds**:

```
California Child Support Calculation (Income Shares Model)
Statutory Authority: California Family Code § 4055

California uses the GUIDELINE FORMULA (not a schedule):

CS = K[HN - (H%)(TN)]

Where:
- H% = Higher earner's % of combined net disposable income
- K = 1 + H% (for 1 child) or 2 - H% (for 2+ children)
- HN = Higher earner's net monthly disposable income
- TN = Total net monthly disposable income

Step 1: Calculate Net Disposable Income
- Father: $80,000/year = $6,667/month gross
  Mandatory deductions (taxes, FICA, health insurance, etc.)
  Father NDI: ~$5,400/month

- Mother: $50,000/year = $4,167/month gross
  Mother NDI: ~$3,600/month

- Combined: $9,000/month

Step 2: Apply Guideline Formula
- H% = 60% (Father's share)
- K = 2 - 0.60 = 1.40
- CS = 1.40[$5,400 - (0.60 × $9,000)] = 1.40 × $600 = $840/month

CALIFORNIA uses complex algebraic formula, not schedule
Child Support Obligation: Father pays $840/month
```

**Texas Attorney asks**: Same facts

**Victoria responds**:

```
Texas Child Support Calculation (Percentage of Income Model)
Statutory Authority: Texas Family Code § 154.125

Texas uses PERCENTAGE OF OBLIGOR'S NET RESOURCES (simpler):

Step 1: Calculate Obligor's Net Monthly Resources
- Father (non-custodial): $80,000/year = $6,667/month
  Deductions: Social Security, Medicare, income tax, union dues, health insurance
  Net Resources: ~$5,200/month

Step 2: Apply Percentage Guidelines
- 2 children = 25% of net resources (per TX Fam. Code § 154.125(b))
- $5,200 × 25% = $1,300/month

TEXAS uses simpler percentage model - only obligor's income matters
Child Support Obligation: Father pays $1,300/month

Note: Texas caps net resources at $9,200/month for guideline calculations
```

**Same family, three different results**:

* Florida: \$1,062/month (Income Shares with NET income)
* California: \$840/month (Income Shares with complex formula)
* Texas: \$1,300/month (Percentage of Income model)

Victoria knows these differences and applies the correct method automatically based on your case's jurisdiction.

### Spousal Support Jurisdiction Intelligence

Spousal support is even MORE jurisdiction-specific than child support. Victoria knows:

**Formula-Based Jurisdictions:**

* **California**: 35% or 40% guidelines (varies by county)
* **Colorado**: Advisory guidelines with formulas
* **Texas**: Generally disfavored, strict statutory limits

**Factor-Based Jurisdictions:**

* **Florida**: No formula - 19 statutory factors under § 61.08
* **New York**: Multi-factor analysis under DRL § 236
* **Ontario**: Spousal Support Advisory Guidelines (SSAG) - ranges, not formulas

**Example - California vs Florida Spousal Support:**

**California (Formula-Based)**:

```
Temporary Spousal Support (Santa Clara County guideline):
- 35% of higher earner's net - 40% of lower earner's net
- Father net: $5,400 × 35% = $1,890
- Mother net: $3,600 × 40% = $1,440
- Temporary support: $1,890 - $1,440 = $450/month

CRITICAL: This is TEMPORARY only - permanent support requires full analysis
```

**Florida (Factor-Based, No Formula)**:

```
Florida Spousal Support Analysis (§ 61.08):

Victoria analyzes 19 statutory factors:
1. Standard of living during marriage
2. Duration of marriage (affects type: bridge-the-gap, rehabilitative, durational, permanent)
3. Age and condition of parties
4. Financial resources of each party
5. Earning capacities, educational levels, vocational skills
... (15 more factors)

Marriage Length: Determines support type
- < 7 years = Short-term (no permanent alimony)
- 7-17 years = Moderate-term (durational possible)
- 17+ years = Long-term (permanent possible)

Income Disparity: $80k vs $50k (38% gap)
Recommendation: Rehabilitative support $800-1,200/month for 2-4 years
(based on factor analysis, NOT a formula)

FLORIDA has NO spousal support formula - purely factor-based
```

Victoria applies the correct method based on jurisdiction—formula where applicable, factor analysis where required.

***

## Jurisdiction Reference: Child Support & Spousal Support Statutes

Victoria is trained on support calculation rules for all 61 jurisdictions. Here's the comprehensive reference:

### United States (50 States)

| State          | Child Support Statute          | Model                | Spousal Support Statute      | Financial Affidavit/Statement                                  |
| -------------- | ------------------------------ | -------------------- | ---------------------------- | -------------------------------------------------------------- |
| Alabama        | Ala. Code § 30-3-1.1 (Rule 32) | Income Shares        | Ala. Code § 30-2-51          | Form CS-41 (Income Statement/Affidavit)                        |
| Alaska         | Alaska Stat. § 25.27.060-190   | Percentage of Income | Alaska Stat. § 25.24.160     | DR-150 (Financial Declaration)                                 |
| Arizona        | Ariz. Rev. Stat. § 25-320      | Income Shares        | Ariz. Rev. Stat. § 25-319    | Affidavit of Financial Information                             |
| Arkansas       | Ark. Admin. Order No. 10       | Income Shares        | Ark. Code Ann. § 9-12-312    | Financial Affidavit                                            |
| California     | Cal. Fam. Code § 4055          | Income Shares        | Cal. Fam. Code § 4320        | FL-150 (Income & Expense Declaration)                          |
| Colorado       | Colo. Rev. Stat. § 14-10-115   | Income Shares        | Colo. Rev. Stat. § 14-10-114 | JDF 1111 (Sworn Financial Statement)                           |
| Connecticut    | Conn. Gen. Stat. § 46b-215a    | Income Shares        | Conn. Gen. Stat. § 46b-82    | JD-FM-6 (Financial Affidavit)                                  |
| Delaware       | 13 Del. C. § 513               | Melson Formula       | 13 Del. C. § 1512            | Family Court Form 509 (Affidavit of Income)                    |
| Florida        | Fla. Stat. § 61.30             | Income Shares        | Fla. Stat. § 61.08           | Form 12.902(b) Short / 12.902(c) Long Form Financial Affidavit |
| Georgia        | O.C.G.A. § 19-6-15             | Income Shares        | O.C.G.A. § 19-6-1            | Domestic Relations Financial Affidavit (Short or Long Form)    |
| Hawaii         | Hawaii Rev. Stat. § 576D       | Melson Formula       | Hawaii Rev. Stat. § 580-47   | Income & Expense Statement                                     |
| Idaho          | Idaho Code § 32-706            | Income Shares        | Idaho Code § 32-705          | Verified Statement of Income, Expenses & Property              |
| Illinois       | 750 ILCS 5/505                 | Percentage of Income | 750 ILCS 5/504               | Financial Affidavit                                            |
| Indiana        | Ind. Code § 31-16-6            | Income Shares        | Ind. Code § 31-15-7          | FL-IN-FA (Financial Declaration)                               |
| Iowa           | Iowa Code § 598.21             | Income Shares        | Iowa Code § 598.21A          | Financial Affidavit                                            |
| Kansas         | Kan. Stat. Ann. § 23-3001      | Income Shares        | Kan. Stat. Ann. § 23-2902    | Domestic Relations Affidavit                                   |
| Kentucky       | KRS § 403.212                  | Income Shares        | KRS § 403.200                | Verified Statement                                             |
| Louisiana      | La. Rev. Stat. § 9:315         | Income Shares        | La. Civ. Code Art. 112       | Affidavit of Income & Expenses                                 |
| Maine          | 19-A M.R.S. § 2001             | Income Shares        | 19-A M.R.S. § 951-A          | FM-017 (Child Support Affidavit)                               |
| Maryland       | Md. Fam. Law Code § 12-201     | Income Shares        | Md. Fam. Law Code § 11-106   | Financial Statement (Short or Long Form)                       |
| Massachusetts  | Mass. Gen. Laws ch. 208 § 28   | Income Shares        | Mass. Gen. Laws ch. 208 § 34 | CJD 301 (Financial Statement Long Form)                        |
| Michigan       | MCL § 552.605                  | Income Shares        | MCL § 552.23                 | Uniform Child Support Order (FOC 10)                           |
| Minnesota      | Minn. Stat. § 518A.28          | Income Shares        | Minn. Stat. § 518.552        | FAM102 (Financial Affidavit)                                   |
| Mississippi    | Miss. Code Ann. § 43-19-101    | Percentage of Income | Miss. Code Ann. § 93-5-23    | Financial Statement                                            |
| Missouri       | Mo. Rev. Stat. § 452.340       | Income Shares        | Mo. Rev. Stat. § 452.335     | Form 14 (Statement of Income & Expenses)                       |
| Montana        | Mont. Code Ann. § 40-4-204     | Melson Formula       | Mont. Code Ann. § 40-4-203   | Income & Expense Declaration                                   |
| Nebraska       | Neb. Rev. Stat. § 42-364       | Income Shares        | Neb. Rev. Stat. § 42-365     | Financial Affidavit                                            |
| Nevada         | Nev. Rev. Stat. § 125B.070     | Percentage of Income | Nev. Rev. Stat. § 125.150    | Financial Disclosure Form                                      |
| New Hampshire  | N.H. Rev. Stat. § 458-C        | Income Shares        | N.H. Rev. Stat. § 458:19     | NHJB-2101-FP (Uniform Support Order)                           |
| New Jersey     | N.J.S.A. § 2A:34-23            | Income Shares        | N.J.S.A. § 2A:34-23          | Case Information Statement (CIS)                               |
| New Mexico     | NMSA § 40-4-11.1               | Income Shares        | NMSA § 40-4-7                | Domestic Relations Income & Expense Statement                  |
| New York       | N.Y. Dom. Rel. Law § 240       | Income Shares        | N.Y. Dom. Rel. Law § 236     | Statement of Net Worth                                         |
| North Carolina | N.C. Gen. Stat. § 50-13.4      | Income Shares        | N.C. Gen. Stat. § 50-16.3A   | AOC-CV-626 (Financial Affidavit)                               |
| North Dakota   | N.D. Cent. Code § 14-09-09.7   | Percentage of Income | N.D. Cent. Code § 14-05-24.1 | Financial Affidavit                                            |
| Ohio           | Ohio Rev. Code § 3119.01       | Income Shares        | Ohio Rev. Code § 3105.18     | OCSE Form 1040 (Child Support Computation Worksheet)           |
| Oklahoma       | 43 Okla. Stat. § 118           | Income Shares        | 43 Okla. Stat. § 121         | Financial Statement (county forms vary)                        |
| Oregon         | ORS § 25.275                   | Income Shares        | ORS § 107.105                | Confidential Information Form + Income & Expense Declaration   |
| Pennsylvania   | 23 Pa.C.S. § 4322              | Income Shares        | 23 Pa.C.S. § 3701            | Pa. R.C.P. 1920.33 (Income & Expense Statement)                |
| Rhode Island   | R.I. Gen. Laws § 15-5-16.2     | Income Shares        | R.I. Gen. Laws § 15-5-16     | Financial Statement                                            |
| South Carolina | S.C. Code Ann. § 63-17-470     | Income Shares        | S.C. Code Ann. § 20-3-130    | Financial Declaration                                          |
| South Dakota   | SDCL § 25-7-6.2                | Income Shares        | SDCL § 25-4-41               | Financial Affidavit                                            |
| Tennessee      | Tenn. Code Ann. § 36-5-101     | Income Shares        | Tenn. Code Ann. § 36-5-121   | Income Affidavit (local county forms)                          |
| Texas          | Tex. Fam. Code § 154.125       | Percentage of Income | Tex. Fam. Code § 8.051       | Financial Information Statement                                |
| Utah           | Utah Code § 78B-12-301         | Income Shares        | Utah Code § 30-3-5           | Financial Declaration                                          |
| Vermont        | 15 V.S.A. § 650                | Income Shares        | 15 V.S.A. § 752              | Financial Affidavit                                            |
| Virginia       | Va. Code Ann. § 20-108.2       | Income Shares        | Va. Code Ann. § 20-107.1     | DC-630 (Civil Financial Statement)                             |
| Washington     | RCW § 26.19.001                | Income Shares        | RCW § 26.09.090              | FL-150 (Washington Financial Declaration)                      |
| West Virginia  | W. Va. Code § 48-13-301        | Income Shares        | W. Va. Code § 48-6-301       | Financial Statement                                            |
| Wisconsin      | Wis. Stat. § 767.511           | Percentage of Income | Wis. Stat. § 767.56          | Financial Disclosure Statement                                 |
| Wyoming        | Wyo. Stat. § 20-2-304          | Income Shares        | Wyo. Stat. § 20-2-114        | Uniform Financial Affidavit                                    |

### Canada (11 Provinces & Territories)

| Province/Territory      | Child Support Guidelines                             | Spousal Support Guidelines                 | Financial Statement                             |
| ----------------------- | ---------------------------------------------------- | ------------------------------------------ | ----------------------------------------------- |
| Alberta                 | Federal Child Support Guidelines + Provincial tables | Spousal Support Advisory Guidelines (SSAG) | Form FL-25 (Affidavit of Financial Information) |
| British Columbia        | Federal Child Support Guidelines                     | Spousal Support Advisory Guidelines (SSAG) | Form F8 (Financial Statement)                   |
| Manitoba                | Federal Child Support Guidelines                     | Spousal Support Advisory Guidelines (SSAG) | Form 70I (Financial Statement)                  |
| New Brunswick           | Federal Child Support Guidelines                     | Spousal Support Advisory Guidelines (SSAG) | Form 72I (Financial Statement)                  |
| Newfoundland & Labrador | Federal Child Support Guidelines                     | Spousal Support Advisory Guidelines (SSAG) | Form 72I (Financial Statement)                  |
| Northwest Territories   | Federal Child Support Guidelines                     | Spousal Support Advisory Guidelines (SSAG) | Financial Statement (NWT Form)                  |
| Nova Scotia             | Federal Child Support Guidelines                     | Spousal Support Advisory Guidelines (SSAG) | Form 72I (Financial Statement)                  |
| Nunavut                 | Federal Child Support Guidelines                     | Spousal Support Advisory Guidelines (SSAG) | Financial Statement (Nunavut Form)              |
| Ontario                 | Federal Child Support Guidelines                     | Spousal Support Advisory Guidelines (SSAG) | Form 13 or Form 13.1 (Financial Statement)      |
| Prince Edward Island    | Federal Child Support Guidelines                     | Spousal Support Advisory Guidelines (SSAG) | Form 72I (Financial Statement)                  |
| Quebec                  | Quebec Child Support Guidelines (unique)             | Spousal Support Advisory Guidelines (SSAG) | Sworn Statement (Serment)                       |
| Saskatchewan            | Federal Child Support Guidelines                     | Spousal Support Advisory Guidelines (SSAG) | Form 72I (Financial Statement)                  |
| Yukon                   | Federal Child Support Guidelines                     | Spousal Support Advisory Guidelines (SSAG) | Financial Statement (Yukon Form)                |

<Note>
  **Canadian Context**: All Canadian provinces/territories use Federal Child Support Guidelines for divorces (Divorce Act cases), but provinces have their own tables for common-law separations. Quebec has unique guidelines. Spousal Support Advisory Guidelines (SSAG) are advisory, not mandatory, but widely adopted.
</Note>

***

## How Victoria Uses This Knowledge

When you ask Victoria to calculate child support or spousal support, she:

1. **Identifies your case's jurisdiction** from the case metadata
2. **Retrieves the specific statutes and calculation method** for that jurisdiction
3. **Applies the correct model** (Income Shares, Percentage, Melson, or formula/factor-based for spousal support)
4. **Shows her work** with step-by-step calculations citing statutory authority
5. **Accounts for jurisdiction-specific nuances** (e.g., Florida's use of NET income, Texas's resource cap, California's algebraic formula)

**Example Prompts:**

```
"Calculate child support for this Florida case"
"What's the guideline spousal support for California?"
"Run Georgia child support calculation with shared custody adjustment"
"Analyze Ontario spousal support under SSAG"
```

## Best For

* Complex asset division calculations (community property vs equitable distribution)
* Jurisdiction-specific child support calculations (Income Shares, Percentage, Melson)
* Spousal support analysis (formula-based or factor-based)
* Business valuation review
* Income analysis and imputation
* Financial discovery review
* Deviation arguments (when guideline support is unjust)

<Tip>
  Upload financial documents to LexVault first for the most accurate calculations based on actual data. Victoria will extract income, assets, and expenses from uploaded W-2s, tax returns, pay stubs, and financial affidavits.
</Tip>

## When to Use Financial Analyst

Use Financial Analyst when you need:

✅ **Child support calculations** (guideline or deviation analysis)
✅ **Spousal support/alimony analysis** (temporary or permanent)
✅ **Asset division** (community property or equitable distribution)
✅ **Income imputation** (underemployment or unemployment)
✅ **Business valuation review**
✅ **Standard of living analysis**
✅ **Financial affidavit analysis**

Don't use Financial Analyst for:
❌ **Legal strategy** (use Co-Counsel instead)
❌ **Discovery document organization** (use Discovery Manager instead)
❌ **Drafting motions** (use Co-Counsel instead)

## Best Practices

<AccordionGroup>
  <Accordion title="Upload Financial Documents First" icon="upload">
    Victoria's calculations are most accurate when based on actual uploaded documents:

    **Before asking for calculations:**

    1. Upload W-2s, pay stubs, tax returns
    2. Upload financial affidavits
    3. Upload bank statements for asset verification
    4. Upload business tax returns if self-employed

    **Then ask Victoria:**
    "Calculate child support based on the W-2s and pay stubs I just uploaded"

    Victoria will extract actual income figures rather than relying on estimates.
  </Accordion>

  <Accordion title="Specify Jurisdiction Explicitly" icon="location-dot">
    While Victoria knows your case's jurisdiction, explicitly mentioning it helps:

    ❌ "Calculate child support"
    ✅ "Calculate Florida child support under F.S. § 61.30"

    This ensures Victoria applies the correct guidelines and shows statutory citations.
  </Accordion>

  <Accordion title="Provide All Relevant Facts" icon="list">
    For accurate calculations, provide:

    **Child Support:**

    * Both parents' gross/net income
    * Number of children
    * Health insurance costs (who pays, how much)
    * Childcare costs
    * Timesharing percentage (if shared custody)
    * Other children from other relationships

    **Spousal Support:**

    * Both parties' income
    * Length of marriage
    * Standard of living during marriage
    * Age and health of parties
    * Earning capacity and education
    * Contributions to education/career
  </Accordion>

  <Accordion title="Ask for Deviation Analysis" icon="scale-unbalanced">
    If guideline support seems unjust, ask Victoria to analyze deviation factors:

    "The Florida guideline is \$1,062/month but father has extraordinary medical expenses. Analyze potential deviation under § 61.30(1)(a)"

    Victoria will identify jurisdiction-specific deviation factors and help build your argument.
  </Accordion>

  <Accordion title="Request Jurisdiction Comparisons" icon="balance-scale">
    If parties live in different states or considering relocation:

    "Compare California vs Texas child support for this family. Mother is relocating to Texas."

    Victoria will show how support changes across jurisdictions.
  </Accordion>
</AccordionGroup>

## Cost Tracking

Financial Analyst uses Claude Opus 4.1 for maximum calculation precision:

**Typical Usage:**

* Simple child support calculation: \~\$0.10-0.15
* Complex support with deviations: \~\$0.20-0.30
* Full financial analysis (support + assets + spousal): \~\$0.40-0.60

**Why Opus?** Financial calculations require precision that Sonnet/Haiku may lack for complex algebraic formulas, multi-factor analysis, and asset division.

## Next Steps

<CardGroup cols={2}>
  <Card title="Co-Counsel Agent" icon="gavel" href="/victoria/co-counsel">
    For legal strategy and motion drafting
  </Card>

  <Card title="Discovery Manager" icon="magnifying-glass" href="/victoria/discovery-manager">
    For discovery strategy and document requests
  </Card>

  <Card title="CaseMind Memory" icon="database" href="/features/casemind">
    Understand how Victoria remembers financial facts
  </Card>

  <Card title="Quick Start Guide" icon="rocket" href="/quickstart">
    Get started with Victoria AI OS
  </Card>
</CardGroup>