Connecticut Divorce Asset and Debt Checklist

Before you file a Financial Affidavit (JD-FM-6) or sit down for mediation, you need a complete inventory of everything you own and everything you owe. Missing an asset or debt doesn't make it go away — it creates surprises in court and weakens your negotiating position.

This checklist covers every category Connecticut courts consider under C.G.S. § 46b-81, organized to map directly to the financial affidavit.

Real Estate

• Primary residence (address, estimated market value, mortgage balance, equity)
• Vacation or second homes
• Rental or investment properties
• Vacant land
• Timeshares
• Any property owned before the marriage (note the pre-marital value)

For each property, document: title holder (joint or individual), current mortgage lender and account number, monthly payment, property tax amount, homeowner's insurance, and date of purchase.

Financial Accounts

Bank Accounts

• Joint checking accounts
• Individual checking accounts
• Joint savings accounts
• Individual savings accounts
• Money market accounts
• Certificates of deposit (CDs)

Investment Accounts

• Brokerage accounts (joint and individual)
• Mutual fund accounts
• Stock portfolios (including individual shares held in certificate form)
• Bond holdings
• Cryptocurrency wallets and exchange accounts

For each account: institution name, account number, current balance, title holder, and whether any funds originated from pre-marital or inherited sources.

Retirement Accounts

• 401(k) plans (traditional and Roth)
• 403(b) plans
• 457(b) plans
• Traditional IRAs
• Roth IRAs
• SEP IRAs
• SIMPLE IRAs
• Defined benefit pension plans (employer name, years of service, vesting status)
• Connecticut state pension — SERS, MERS/CMERS, or TRB
• Deferred compensation plans
• Profit-sharing plans
• Employee Stock Ownership Plans (ESOPs)

For each account: plan administrator, account or contract number, current balance or estimated monthly benefit, contribution start date, and beneficiary designation.

Business Interests

• Sole proprietorships
• LLC membership interests
• Partnership shares
• S-Corp or C-Corp stock
• Professional practice interests (medical, legal, dental, accounting)
• Franchise rights
• Intellectual property (patents, copyrights, trademarks)

For each: ownership percentage, most recent valuation or tax return showing revenue, and whether your spouse contributed to the business in any capacity.

Employee Benefits and Deferred Compensation

• Unvested stock options (grant date, vesting schedule, exercise price, current share price)
• Restricted Stock Units (RSUs) — vested and unvested
• Deferred bonus or compensation agreements
• Severance or retention agreements
• Commission structures with earned but unpaid amounts
• Accrued vacation or PTO with cash-out value

Insurance Policies

• Life insurance (term and whole life) — carrier, face amount, cash surrender value (for whole life), beneficiary
• Annuities — type, current value, surrender charges
• Long-term care insurance
• Disability insurance (employer and private)

Vehicles and Titled Property

• Cars, trucks, SUVs (year, make, model, VIN, KBB value, loan balance)
• Motorcycles, RVs, boats, ATVs
• Leased vehicles (remaining lease payments and buyout value)

Personal Property of Value

• Jewelry (appraisals if available)
• Art and antiques
• Collections (coins, stamps, wine, sports memorabilia)
• Furniture and household goods (aggregate estimate)
• Electronics and equipment
• Firearms
• Safe deposit box contents

Debts and Liabilities

Secured Debt

• Mortgage(s) — lender, account number, balance, monthly payment, interest rate
• Home equity line of credit (HELOC)
• Auto loans
• Boat or RV loans

Unsecured Debt

• Credit cards (each card: issuer, account number, balance, minimum payment, joint or individual)
• Personal loans
• Medical bills
• Student loans (federal and private, each separately)
• Back taxes owed (federal, state, municipal)
• Judgments or liens
• Money owed to family members

Contingent Liabilities

• Pending lawsuits
• Co-signed loans for children or other family members
• Guarantees on business debts

Income Sources

While not assets, these are required for the JD-FM-6:

• Employment income (base salary, hourly rate)
• Overtime, commissions, bonuses (13-week average)
• Self-employment income
• Rental income
• Investment income (dividends, interest, capital gains)
• Social Security benefits
• Pension or retirement distributions
• Alimony from a prior marriage
• Trust income or distributions
• Any other regular income

What to Gather

For every item on this list, collect the most recent statement or documentation:

• Last 3 months of bank and investment statements
• Last 3 years of tax returns (federal and state)
• Last 3 months of pay stubs
• Mortgage statements and property tax bills
• Credit card statements
• Retirement account statements
• Life insurance policy documents
• Vehicle titles and loan statements
• Business tax returns and financial statements
• Prenuptial or postnuptial agreement (if any)

The Connecticut Divorce Financial Split Guide includes a structured asset classification worksheet that walks through each category, flags items that need professional valuation, and maps everything directly to the JD-FM-6 financial affidavit format.

See more Connecticut guides →