Scenario 01

---
name: identify-settlement-proposal-issues-divorce-scenario-01
task_id: trusts-estates-private-client/identify-settlement-proposal-issues/scenario-01
description: Helps an agent review a contested divorce settlement proposal for asset characterization, support, tax, parenting, and release-language issues, with attention to quantification where the record permits and to preserving future enforcement and modification rights.
activates_for: [planner, solver, checker]
---

# Skill: Identify Issues in Divorce Settlement Proposal

## 2. Failure modes the skill is correcting

- Agents may overlook how overstated or understated asset values distort bargaining leverage and the final division of the estate.
- Agents may miss that a proposed award must preserve any contingent, deferred, or time-based property interest using the correct allocation method.
- Agents may misclassify property based on title rather than source of funds, tracing, timing, or controlling characterization rules.
- Agents may fail to refresh support analysis for current tax treatment and instead rely on outdated assumptions.
- Agents may omit protections that secure ongoing support or preserve future enforcement and modification rights.
- Agents may assess issues in isolation and miss how one term interacts with a disclosure, valuation, support, tax, parenting, or release provision elsewhere in the record.
- Agents may give a narrative critique without tying each issue to a rule, an operative source document, and a concrete consequence.

## 3. Legal frameworks / domain conventions that apply

- Asset valuation: identify the applicable valuation method for each asset, compare the proposed value against the record, and quantify any discrepancy using the disclosed inputs rather than the stated figure alone.
- Time-based property interests: for assets tied to future service, vesting, deferred compensation, or similar contingencies, determine whether the proposal uses a fixed award, a fraction, a formula, or another allocation method; assess whether the structure preserves the pre-separation and post-separation interests under the governing framework.
- Account characterization: determine whether an account or similar asset is marital or separate by tracing source, timing, and any transmutation or commingling analysis, not merely by title or nominal ownership.
- Separate-property credit issues: identify whether the proposal omits an agreed credit, reimbursement, carve-out, or offset reflected in the record, and test whether the omission changes the net estate division.
- Support tax treatment: verify the current tax treatment applicable to support under the governing law for the agreement’s execution date; if the proposal relies on outdated tax assumptions, flag the issue and state the correct current framework in categorical terms.
- Support duration and amount: assess duration and amount against the parties’ relative incomes, marriage length, and any applicable statutory or guideline framework without treating any single benchmark as controlling.
- Extraordinary expenses: evaluate whether child-related extraordinary expenses are allocated in a manner proportionate to the parties’ incomes or otherwise consistent with the governing order or settlement structure.
- Security for support: if support extends over time, consider whether the proposal includes a security mechanism such as insurance, beneficiary designation, or another device tied to the remaining obligation.
- Retirement asset division: total the relevant balances, verify the marital portion, and check whether the proposed division matches the stated allocation using the actual account figures.
- Parenting-time implications: assess whether the proposed parenting schedule may affect support, expense allocation, or related financial provisions under the governing framework.
- Release language: review any mutual release for overbreadth and determine whether it preserves enforcement rights and any future modification rights that should remain available under the governing law.
- Governing authority: state each rule or doctrine relied on by name and section, rule, or recognized authority where available; do not state a legal conclusion without the supporting authority.

## 4. Analytical scaffolds

Use an issue-by-issue memo, and run the same analytical sequence for each distinct issue, party, asset class, support topic, or clause interaction in scope.

1. Enumerate the relevant issues or categories first; if only one item is truly in scope, say so and explain why.
2. Identify the controlling source documents for the point: settlement proposal, financial disclosure, valuation materials, parenting terms, tax assumptions, or release language.
3. State the governing rule or convention with a named authority where possible.
4. Compare the proposal to the record using the disclosed inputs, and quantify the discrepancy if the record supports arithmetic.
5. Cross-check against any other clause, schedule, disclosure, or exhibit that changes the analysis.
6. State the downstream consequence for the client: economic, support, tax, enforcement, litigation, or drafting risk.
7. Give a counter-position or revision recommendation that is concrete and usable in negotiation.

Issue types to examine:
- Asset valuation issues: compare proposed value to the disclosed valuation method and inputs; identify overstatement or understatement and its effect on the exchange.
- Time-based property allocation: test whether the proposal preserves the correct contingent or prorated interest; flag a drafting vulnerability if it hard-codes a fixed award without an adjustment mechanism.
- Account characterization: trace source of funds and timing; compare the tracing result to the proposed classification; explain the estate impact if misclassified.
- Separate-property credit issues: identify any missing credit, reimbursement, or carve-out; quantify the effect if the record permits.
- Retirement division: total the relevant balances, verify the marital portion, and test whether the stated percentage or share matches the actual figures.
- Support amount and duration: assess whether the proposal fits the financial evidence, marriage length, and any applicable guideline or statutory framework.
- Extraordinary expenses allocation: determine whether the expenses are split proportionately or equally; assess whether that matches the income evidence and the rest of the support structure.
- Support tax treatment: identify whether the proposal addresses current tax treatment for support payments; if not, flag the drafting risk and state the current framework generally.
- Security for support: check whether the proposal includes a mechanism to secure future support; if absent, identify the gap and describe an appropriate device at a categorical level.
- Parenting-time implications: assess whether the schedule may affect financial terms, expense allocation, or related obligations.
- Release language: test the scope of any mutual release; identify whether it preserves enforcement rights and any necessary future modification rights.
- Disclosure and valuation mismatches: flag missing, stale, inconsistent, or internally conflicting figures that undermine the proposal’s assumptions.

For each issue, close the analysis with: the governing rule, the record-based comparison, and the consequence of leaving the term unchanged.

## 5. Vertical / structural / temporal relationships

- Track how title, source of funds, and timing interact; do not let nominal ownership override tracing or characterization rules.
- Track how present values, deferred interests, and future vesting interact; a fixed number may be wrong if the record shows a contingent or prorated entitlement.
- Track how support amount, duration, tax treatment, and security provisions interact as one package rather than as separate silos.
- Track how parenting-time changes can alter expense allocation or support assumptions in the same settlement structure.
- Track how release language interacts with enforcement, modification, contempt, and retained jurisdiction concepts; broad language can silently waive rights the client may need later.
- Track how retirement balances, marital portions, and proposed allocation percentages interact; the split must be tested against actual account figures and any stated formula.
- Where the documents contain multiple valuations, dates, or scenarios, analyze each distinct version separately before selecting the operative one.

## 6. Output structure conventions

- Draft a prioritized issue-spotting memorandum, not a descriptive summary.
- Open with a short severity key using an ordinal scale such as Critical / High / Medium / Low, and apply it consistently to every issue.
- For each issue, include:
  - severity
  - issue title
  - governing authority or rule
  - record comparison and any quantification supported by the source documents
  - related document or clause interaction
  - practical consequence
  - recommended counter-position or revision
- Keep recommendations concrete, negotiation-ready, and tied to the facts in the record.
- End with a dedicated Recommended Actions section that assigns each next step to a role indicated in the record where possible, and anchors timing to a filing, negotiation, disclosure, or hearing milestone; if no deadline appears in the record, use relative urgency tied to the next procedural step.
- Use industry-conventional memo headings and avoid mirroring any hidden rubric section list.
- If the record does not support a calculation, say so expressly and analyze the issue qualitatively rather than inventing arithmetic.