Ohio Divorce Financial Disclosure Checklist

Every Ohio divorce and dissolution requires both spouses to complete mandatory financial disclosures under oath. These aren't optional — the Supreme Court of Ohio mandates them through Uniform Domestic Relations Forms, and submitting incomplete or inaccurate disclosures can result in sanctions, an unfavorable property division, or having your decree set aside.

The two core affidavits are Affidavit 1 (Income and Expenses) and Affidavit 2 (Property and Debt). Both must be notarized. Here's exactly what you need to gather for each one.

Affidavit 1: Income and Expenses

This affidavit captures your complete financial picture — what you earn and what you spend monthly. The court uses it to determine spousal support, child support, and each spouse's ability to maintain the marital standard of living post-divorce.

Income Documentation

Gather these for the most recent two to three years:

• Pay stubs — at minimum the last three months, ideally the last twelve months if income varies
• Federal and state tax returns — including all schedules and W-2s/1099s
• Self-employment records — profit and loss statements, Schedule C, K-1 partnership income
• Social Security statements — current benefit estimates from SSA
• Pension or retirement income statements — if currently receiving benefits
• Rental income records — leases, bank deposits, expense reports for investment properties
• Interest and dividend statements — brokerage account 1099-INTs and 1099-DIVs
• Any other income — alimony from a prior marriage, trust distributions, royalties, bonuses, commissions

Monthly Expense Documentation

The affidavit requires itemized monthly expenses. Have receipts, billing statements, or bank records to support:

• Housing costs (mortgage/rent, property taxes, insurance, HOA, utilities)
• Transportation (car payment, insurance, gas, maintenance, parking)
• Food (groceries and dining out)
• Healthcare (insurance premiums, co-pays, prescriptions, dental, vision)
• Childcare and education expenses
• Debt payments (credit cards, student loans, personal loans)
• Personal expenses (clothing, personal care, entertainment)
• Insurance premiums not covered above (life, umbrella, disability)

Affidavit 2: Property and Debt

This affidavit inventories everything you own and owe. It mirrors the asset categories the court uses when dividing property under R.C. 3105.171.

Real Estate

For every property either spouse owns or has an interest in:

• Property address and legal description
• Current fair market value (professional appraisal, or county auditor's assessed value as a starting point)
• Outstanding mortgage balance and lender information
• Date of purchase and purchase price
• Whose name is on the title and mortgage
• Any liens, second mortgages, or home equity lines of credit

Financial Accounts

For every account, provide the institution name, account number (last four digits), and current balance:

• Checking and savings accounts (individual and joint)
• Money market accounts and CDs
• Brokerage and investment accounts
• Cryptocurrency holdings
• HSA or FSA accounts
• Cash value life insurance policies

Retirement Accounts and Pensions

This is critical in Ohio because of the state's unique public pension system:

• 401(k), 403(b), and 457 plan statements — current balance and premarital balance if available
• IRA statements (traditional and Roth)
• Pension benefit statements — for OPERS, STRS, SERS, OP&F, or private employer pensions, request a benefit estimate
• Stock options or RSU vesting schedules
• Deferred compensation plans

Vehicles and Personal Property

• Vehicles: year, make, model, mileage, current value (KBB or NADA), and loan balance
• Boats, RVs, motorcycles, or recreational vehicles
• Valuable personal property: jewelry, art, antiques, collections, electronics
• Household furnishings (typically listed by room with estimated values)

Business Interests

If either spouse owns part or all of a business:

• Business tax returns (last three years)
• Profit and loss statements
• Balance sheets
• Buy-sell agreements
• Professional valuations if available
• Ownership percentage and structure (LLC, corporation, partnership)

Debts

For every liability:

• Creditor name and account number (last four digits)
• Current balance and monthly payment
• Interest rate
• Names on the account (joint, individual, co-signer)
• Purpose of the debt (mortgage, credit card, student loan, medical, auto)
• Whether incurred before or during the marriage

Health Insurance Affidavit (Affidavit 4)

A third required form that's often overlooked: the Health Insurance Affidavit documents current health coverage for both spouses and all children. This includes the insurance carrier, policy number, monthly premium, and who is covered. It's used to determine post-divorce health coverage responsibilities.

County-Specific Supplements

Many Ohio counties require additional local forms beyond the statewide affidavits. Summit County requires specialized local financial schedules. Cuyahoga County mandates a local Mutual Restraining Order form upon filing. Check with your county's domestic relations clerk for any supplementary requirements.

Organizing Your Disclosure

The most common mistake in financial disclosure isn't dishonesty — it's disorganization. Incomplete or messy disclosures delay the process, increase attorney costs, and can lead to an unfavorable property division if the court interprets gaps as concealment.

The Ohio Divorce Financial Split & Asset Division Guide is structured around Ohio's mandatory affidavits, with worksheets that map directly to the categories the court requires — so when you sit down to fill out Affidavit 1 and Affidavit 2, you have every number organized and documented.

See more Ohio guides →