A certificate of net worth is an official financial document that verifies your assets, liabilities, income, and overall financial position. To get a certificate of net worth, you must work with a qualified professional—typically a Certified Public Accountant (CPA)—who reviews your financial records, confirms accuracy, and issues a signed certification you can submit to courts, lenders, immigration agencies, or business partners.
What Is a Certificate of Net Worth?
A certificate of net worth is a verified financial summary that shows what you own (assets), what you owe (liabilities), and your current financial standing. Unlike a basic net worth statement, this certificate is validated by a licensed professional, which gives it legal and financial credibility.
How Do You Get a Certificate of Net Worth?
You can get a certificate of net worth by following these steps:
Hire a Qualified Professional
Most institutions require certification by a CPA. Other acceptable preparers may include:
- Enrolled Agents (EAs)
- Tax attorneys
- Financial forensic specialists (for complex cases)
A CPA is preferred because they can analyze documentation, verify the numbers, and provide a legally recognized certification.
Gather Required Financial Documents
You must supply documents that show your full financial picture. This typically includes:
- Bank statements
- Brokerage and investment account statements
- Mortgage and loan balances
- Credit card statements
- Retirement account statements
- Pay stubs or business financials
- Property valuations or appraisals
- Recent tax returns
Providing complete and organized documents speeds up certification.
Verification and Review by the CPA
After receiving your records, the CPA will:
- Confirm asset values
- Verify outstanding debts
- Check income sources
- Compare numbers against tax filings and bank statements
- Identify any gaps or inconsistencies
This review ensures your net worth is accurate and defensible.
CPA Prepares and Issues the Certificate
Once verified, the CPA creates a formal document summarizing:
- Total assets
- Total liabilities
- Calculated net worth
- Supporting notes and assumptions
The CPA then signs and certifies the statement, making it ready for official use.
How Long Does It Take?
Most clients receive their certificate within 3–10 business days, depending on complexity and how quickly documents are provided.
Need a Certified Net Worth Certificate?
Dimov Tax prepares fast, accurate, court-ready and lender-ready net worth certificates for individuals, business owners, and high-net-worth clients.