Financial Disclosure Completeness Checklist
DivorceAudit.comUse this checklist to verify that every required financial document has been gathered, received, or accounted for. Work through each section and mark the status of every item. Gaps in disclosure can affect your settlement — knowing what’s missing is the first step toward a complete picture.
Important: Financial disclosure requirements vary by state. This checklist covers documents commonly required across most jurisdictions. Your state may require additional items or accept fewer. Consult a qualified attorney licensed in your state for case-specific guidance.
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01 Income & Employment
Document
H N —
Pay stubs
Most recent 3–6 months, all employment
W-2 forms
Last 3 years, both spouses
1099 forms
Freelance, contract, investment income — last 3 years
K-1 partnership/S-corp schedules
If either spouse has business ownership
Bonus, commission, or overtime records
Documentation of variable compensation
02 Bank & Cash Accounts
Document
H N —
Checking account statements
All accounts, last 12 months minimum
Savings account statements
All accounts, last 12 months minimum
Money market & CD statements
Current balances and maturity dates
Safe deposit box inventory
Contents list with estimated values
Accounts closed in last 24 months
Closing statements showing final balance and disposition
03 Investments & Brokerage
Document
H N —
Brokerage account statements
All accounts, last 12 months — note date-of-marriage values if available
Stock option / RSU grant documentation
Grant dates, vesting schedules, exercise history
Cryptocurrency holdings
Exchange account statements, wallet addresses, transaction history
529 education savings plans
Account statements, beneficiary details
04 Retirement & Pension
Document
H N —
401(k) / 403(b) statements
Current balance and date-of-marriage balance if available
IRA / Roth IRA statements
Traditional and Roth, all accounts
Pension benefit statements
Accrued benefit, vesting status, survivor options
Deferred compensation plans
Plan documents and current value
05 Real Estate
Document
H N —
Property deeds and titles
All properties — marital home, rentals, vacation, vacant land
Mortgage statements
Current balance, monthly payment, interest rate
Property tax records
Most recent assessment and tax bill
Appraisals or comparative market analyses
Current fair market value estimates
HELOC or equity line statements
Balance and available credit
06 Business Interests
Document
H N —
Business tax returns
Last 3–5 years (corporate, partnership, or sole proprietor)
Profit & loss statements and balance sheets
Year-to-date and last 3 years
Business ownership documents
Operating agreements, articles of incorporation, partnership agreements
Business valuation reports
Formal valuation or buy-sell agreement values
07 Debts & Liabilities
Document
H N —
Credit card statements
All cards, last 12 months — note whose name each is in
Auto loan / lease agreements
Outstanding balance and monthly payment
Student loan statements
Balance, servicer, repayment plan
Personal loans or lines of credit
Including loans from family members
Tax obligations owed
Back taxes, payment plans with the IRS or state
08 Insurance Policies
Document
H N —
Life insurance policies
Face value, cash value (whole life), beneficiary designations
Health insurance documentation
Current coverage, employer vs. individual plan, premiums
Disability / long-term care policies
Coverage details and premium information
Homeowner’s / auto insurance declarations
Coverage limits, listed assets, scheduled items
09 Tax Records
Document
H N —
Federal tax returns (jointly filed)
Last 3–5 years, all schedules and attachments
State tax returns
Last 3–5 years, matching federal filing period
Tax return amendments
Any amended returns filed during the marriage
IRS or state audit correspondence
Notices, deficiency letters, settlement agreements
10 Personal Property & Other Assets
Document
H N —
Vehicle titles and registration
Cars, boats, motorcycles, recreational vehicles
Jewelry, art, or collectible appraisals
Items individually valued above $500
Trust documents
Revocable or irrevocable trusts, beneficiary designations
Prenuptial or postnuptial agreements
Original signed document with any amendments
Financial affidavit (if already filed)
Your state’s sworn financial disclosure form
Disclosure Summary
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