Janice Berner, CPA, CDFA
Divorce Settlement Analysis | Financial Planning | Tax-Efficient Investing
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Serving Clients Nationwide
Divorce Settlement Analysis | Financial Planning | Tax-Efficient Investing
Areas of Focus
- Divorce Financial Planning
- Financial Life Planning
- Insurance
- Investment Management
- Owning a Business
- Retirement Planning
- Taxes
- Women & Wealth
About Janice Berner, CPA, CDFA
Janice Berner, CLTC, CPA, MBA, CDFA®**, is a Boston-based Financial Advisor specializing in divorce financial planning, high-net-worth wealth management, and long-term financial strategy. She serves clients throughout the greater Boston area—including Wakefield and Wellesley—as well as across Massachusetts, New England, and multiple other states.With more than 30 years of experience in finance, accounting, and wealth management, Janice brings a rare combination of analytical expertise and emotional insight. Her early career in counseling and elder care provides her with a deep understanding of the psychological and emotional complexities that often arise during divorce. This allows her to support clients—especially the non-money spouse—with clarity, empathy, and steady guidance in moments of uncertainty.
Janice is highly sought after for her work as a Certified Divorce Financial Analyst (CDFA®). She helps divorcing individuals and their attorneys evaluate settlement options, model future financial scenarios, and understand the long-term implications of key decisions. Her ability to translate complex financial information into clear, actionable insight makes her a trusted resource for divorce planning, mediation, negotiation support, and post-divorce financial rebuilding.
In addition to her divorce services, Janice provides comprehensive wealth management and investment planning for high-net-worth individuals, families, and business owners. Her approach integrates tax-aware strategies (supported by her CPA background), retirement planning, estate considerations, portfolio management, and multi-generational planning.
Across all engagements, Janice is known for:
▪️Clear, strategic financial analysis
▪️A supportive, client-centered approach
▪️Strong collaboration with attorneys, mediators, and other advisors
▪️Long-term relationships built on trust, insight, and thoughtful guidance
Whether navigating a divorce, preparing for a major life transition, or seeking strategic, long-term wealth management, clients turn to Janice Berner for expertise that blends financial clarity with human understanding—helping them move forward with stability, confidence, and a plan built around their goals.
Values & Motivators
Janice's work is grounded in the values of clarity, integrity, empathy, and financial empowerment. She believes that high-quality financial advice—whether for divorce financial planning, wealth management, or long-term financial strategy—should be transparent, data-driven, and tailored to each client's goals. These values guide her work with clients across Boston, Massachusetts, New England, and other states.
Her motivation comes from helping clients, especially non-money spouses and individuals navigating high-net-worth divorce, gain confidence and clarity during complex financial transitions. Janice is committed to helping clients understand their settlement options, anticipate long-term financial outcomes, and make informed decisions that support their financial security.
Janice is also driven by strong collaboration with divorce attorneys, mediators, and legal professionals to create fair, sustainable financial solutions. Whether advising on asset division, modeling future cash flow, or providing full-service wealth management, her purpose is always the same: to offer expertise, emotional steadiness, and thoughtful guidance when it matters most.
Janice partners with your accountant, lawyer, and other advisors to create a coordinated financial plan designed to make your money work harder for you and your family. She carefully evaluates potential risks and offers realistic solutions to safeguard your financial future.
Professional Designations
- Certification in Long-Term Care (CLTC)
- Certified Divorce Financial Analyst (CDFA)
- Certified Public Accountant (CPA)
- Master of Business Administration (MBA)
Primary Location
1 Marina Park Drive, 16th Floor, Boston, MA 02210
Additional Locations
📍 100 William Street, Suite 300, Wellesley, MA 02481
📍 301 Edgewater Place, Suite 200 Wakefield, MA 01880
📍 149 Water Street, Exeter, NH 03833
Video
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Commissions
- Fee Based
- Percentage of Assets Managed
What to expect in the first meeting
Your first meeting with Janice is a personalized conversation designed to provide clarity, guidance, and practical next steps for your financial future. Whether you are navigating divorce financial planning, preparing for a major life transition, or reviewing your high-net-worth wealth strategy, the session is focused on understanding your unique situation.Janice's main question to you for this introductory meeting is: "What matters most to you about your financial future?" From there, she will:
▪️ Review your current financial picture, including assets, liabilities, income, and investments
▪️ Explore potential financial scenarios and risks, including divorce-related settlement options
▪️ Discuss opportunities to optimize your finances with guidance from your accountant, attorney, or other advisors
▪️ Outline clear next steps tailored to your goals and priorities
With her background in counseling, CPA accounting, and CDFA® divorce expertise, Janice combines technical precision with empathetic guidance, helping clients—especially non-money spouses—make confident, informed decisions. By the end of your first meeting, you'll have clarity, a practical roadmap, and a trusted partner to support you through this transition and beyond.
Offers Investment Management
Yes
About Baystate Financial
Founded in 1901, Baystate Financial is one of New England’s oldest and most trusted financial services firms, serving clients across Massachusetts, New Hampshire, and beyond. We provide personalized financial planning, retirement planning, estate and business planning, and wealth management tailored to your unique goals.We specialize in helping high-net-worth clients navigate complex life transitions, including divorce, marriage, starting a family, buying a home, funding college, retirement, and multi-generational wealth planning. Our team also offers a wide range of insurance and investment solutions, including life, health, and disability insurance, long-term care, mutual funds, annuities, and IRAs.
Whether you are managing a high-net-worth divorce, planning for retirement, or building long-term wealth, Baystate Financial provides strategies designed to safeguard and grow your financial future. With over a century of experience and a focus on high-net-worth individuals, families, and business owners, we combine expert guidance with a client-centered approach to help you make informed financial decisions at every stage of life.
Values & Motivators
Janice’s values are anchored in clarity, integrity, empathy, and client empowerment. She approaches financial planning—especially during divorce—with the understanding that clients need both precise financial analysis and emotional support. Drawing on her background in counseling, she helps clients navigate the financial and personal transitions that accompany divorce with steadiness and insight.
Her strongest motivation is helping clients who may not have been the financial decision-makers in their households—often the non-money spouse—gain confidence, knowledge, and control over their financial future. She prioritizes education, clear scenario modeling, and long-term planning so clients can make decisions that align with their goals and support lasting financial stability.
Janice is also motivated by collaborating closely with attorneys, mediators, and divorce professionals to bring clarity to complex cases, particularly for high-net-worth individuals with intricate assets. Whether guiding a client through settlement analysis, assisting during mediation, or advising in post-divorce planning, she is driven by a commitment to provide trusted expertise, emotional steadiness, and strategic guidance through every step of the process.
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*Not practicing on behalf of MML Investors Services, LLC or its affiliates.
I am licensed to sell insurance in CA, FL, MA, ME, NC, NH. I am licensed to sell securities in: AL, FL, GA, MA, MI, NH, VT. I am a registered representative of and offer securities, investment advisory services, and financial planning through MML Investors Services, LLC. Member SIPC (www.sipc.org). Supervisory address: One Marina Park Drive, 16th Floor, Boston, MA 02210 617-585-4500 CA LICENSE #OH63977
Janice Berner is a Financial Services Representative, Financial Advisor and Financial Planner. MassMutual does not provide tax or legal advice. Please consult your tax advisor or attorney for such guidance. Branch office location: 301 Edgewater Place suite 200 Wakefield MA 01880.
Education
Trinity College-Hartford, BA, Liberal Arts | California State University-School of Business, Masters of Business Administration, Accounting, MBA
Hobbies and Interests
- Family
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Business Owners
- Corporate Executives
- Divorce
- Dual Income Family
- Entrepreneurs
- Families
- Gen X
- Intergenerational Families
- Living in Retirement
- Parents
- Single Women
- Women in Transition
- Women Professionals
- Young Families
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