Divorce financial analysis. It reads a marital financial disclosure and reports what the documents do not account for, in language a client can read and a professional can check.
Most financial reviews produce a single number and leave the reader to guess how much confidence it deserves. Blacklight reports two, because the second one is meaningless without the first.
If the file covers 82% of the period, every figure in the report is a floor. The real numbers are at least that much and could be higher. Saying so up front is the difference between a finding and a guess, and it tells the reader whether the next step is more analysis or more documents.
A weighted total built from specific findings, where every point traces back to a transaction and then to a page. Nothing contributes to the number that cannot be pointed at. Deposits against reported income, transfers to institutions with no statement on file, and income on the return with no account behind it.
Every line in the report is written the same way: what the documents show, the amount, and how firm it is. Nothing is phrased as a conclusion about a person.
Based on the documents provided means the finding rests on what was supplied and nothing contradicts it. Based on documents that reconcile means two independent records agree, which is a materially stronger claim. A reader deciding where to spend money next needs to know which one they are looking at.
Money that is not accounted for is a subtraction, not a finding that anyone hid anything. The most common explanation is an account nobody thought to send. Keeping that line clean is what makes the output usable in a proceeding rather than merely provocative.
A short questionnaire, and whatever financial records exist. No special formatting, no schedule of documents to assemble first.
A thin file is the normal case, not the exception. Several tests need only a tax return, which is the one document a spouse can usually obtain, because they signed it. Coverage will be lower and the report will say so.
Coverage for the period, stated as a percentage, with the floor it implies.
Each finding with its amount and firmness label, traced to the transaction and the page.
The specific institutions money moved to with nothing on file for them. This is the document request list, written for you.
The realistic paths from here, including engaging counsel, engaging a forensic accountant, gathering more and running it again, and doing nothing for now. The report does not choose for you.
A fast, fixed-cost read early in a matter, before deciding whether the financial issues justify a full forensic engagement. It produces targeted document requests and deposition questions rather than a general suspicion.
An entry point you can offer at a price a client will say yes to, which tells you quickly whether a matter is worth a full engagement. Practices can run it under their own name.
The report is written to be read by the person it concerns, not only by a professional. It is a starting point to bring to an attorney, not a substitute for one.
It is a factual summary of the documents provided. It is not legal advice, not an accounting opinion, and not a valuation. Where it says money is unaccounted for, that is arithmetic. It is not a finding that anyone did anything wrong, and it should be read by a professional before anyone acts on it.
Documents are not sold or shared with anyone unless the client chooses to share them.
$250 is a flat fee for a matter of ordinary size. An unusually large document set is quoted per page instead, and the page count is shown and confirmed before any extraction is charged, so the number is never a surprise afterwards.
A matter you need read, a production you need inventoried, or a practice that wants to run these tools under its own name.
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