Annette Brown

Certified Divorce Financial Analyst

Annette Brown, founder of AB & Associates, offers expert financial support and consulting during one of the most stressful times in anyone’s life, upon the impending dissolution of your marriage or business partnership.

AB & Associates offers Strategic Planning Guidance Services to small businesses, offering expert financial support and consulting for buying a business, growing your business, selling your business, or dissolving business partnerships.

Marriage Dissolution

CDFA™ Certified Divorce Financial Analyst™ designation from the Institute for Divorce Financial Analysts — This designation is provided by the Institute for Divorce Financial Analysts. CDFAs™ assist in the financial aspects of dissolving marriages and partnerships.

Planning and Finance Experience

  • Owner, AB & Associates, Strategic, Divorce, Financial Planning, Tax Analysis & Preparation
  • Insurance Broker / Agent, Mike McFarlin Insurance
  • Assistant Superintendent of Planning & Finance, The Archdiocese of San Francisco
  • Accelerated Depreciation Tax Solution Sales, KBKG, Inc. Cost Segregation Specialists
  • Budget Director, University of San Francisco 1990-1996
  • Senior Staff, Appraisal and Valuation Department, Arthur Andersen & Company 1988-1990
  • Electronic Typewriter & Computer Sales & Training Management, Price Typewriter & Systems 1982-1988


  • MBA 1992 — University of San Francisco, Executive Program International study tour to Estonia and Russia
  • BS 1986 Business Finance — University of San Francisco, Cum Laude, Salutatorian, Beta Gamma Sigma


  • Institute for Divorce Financial Analysts
  • American Association of Certified QDRO Professionals (AACQP™) 
  • RCS-DTM Real Estate Collaboration Specialist – Divorce
  • Professional Women’s Networking, Women Owned Networking 
  • Contact Annette and let her assist you with the Strategic Planning for growth or for exit strategies.

Highlights of Qualifications

  • CDFA™ Certified Divorce Financial Analyst designation from the Institute for Divorce Financial Analysts
  • Qualified and Testified as an Expert Witness in areas of Watts/Epstein, Hug/Nelson, income identification, expense analysis, separate property tracing, opinion of business value, tax return analysis to determine income, property division, conversion of funds in breach of spouse’s fiduciary duty.
  • QDRO – Certified Qualified Domestic Relations Order QDRO Specialist from AACQP
  • California Association of Business Brokers, CA DRE # 02070601
  • RCS-DTM Real Estate Collaboration Specialist – Divorce
  • EA- Enrolled Agent EA113455 CTEC Registered Tax Preparer #A180472; IRS PTin ID P01039081
  • State of California Department of Insurance License #0G88154 Accident and Health Agent, Fire and Casualty Broker-Agent and Life-Only Agent
  • MBA with over 20 years experience in Financial Planning and Analysis, Fund Accounting, Grant Management Strategic Planning, Budgeting and Review Processes, Revenue Projection Modeling, Compensation Modeling, Efficiency Implementation

What Clients are Saying:

‘Annette was invaluable in this process!’
Ginny B.

‘Annette is fair and logical in her analysis and advice.’
David E.

‘Thanks for everything, Annette. You were very helpful during a difficult time.’
Steve D.

‘This process really clarifies my goals!’
Melanie D.

‘I really feel that I can do this now!’
Nat C.

‘Annette was invaluable in finding flaws in the other parties submissions to the courts. Don’t be cheated by lies; a Certified Divorce Financial Planner can make all of the difference.’
Adam L.