The disclosure is required by California law, so be thorough and honest and serve her with it. You do not have to serve it with the Summons and Petition, but do serve it within 90 days. Be sure to file your proof of service of disclosure (just the proof of service) with the court. Your wife will need to serve you with her disclosure as well. The court will not grant your dissolution judgment without the exchange of disclosures. There are penalties for disclosures that do not list all assets, so consult with an attorney if you feel Wife is not being forthcoming. As to keeping your own accounts, that is an issue of settlement. You two are free to agree on terms at your discretion.
Answered on Nov 14th, 2012 at 7:18 AM