Thanks for the chance to help. I am an attorney with over 12 years experience. Hopefully I can help you with your legal question.
CA law allows divorce on 2 grounds. Irreconcilable differences or insanity
. Thats it. Its called a "no fault" state. Unlike many states, that allow a "fault" divorce, and if you can prove fault (like adultery) you can get a larger portion of the marital estate, in CA that will not work. No, does not matter the reason, the court will divide the property according to the state community property laws, regardless of her adultery.
Now, a divorce can either be contested or not contested.
Uncontested; Now the fastest, (and by far the least expensive) way to get a divorce is if you can agree on the terms. If you can agree on "who gets what" there is not a need for attorneys...this will cut the costs to a very small amount (court fees)
Contested; if you can not agree, this is a contested divorce. To proceed you need an attorney or need to act as your own attorney (very bad idea). Here the parties present evidence to the court on "who gets what" and the court decides. This take longer and involves attorney fees for both sides.
SO, if you can agree with your "soon to be ex" on who gets what, great! If not, you need an attorney.
As for the division of the property, since CA is a community property state, ALL income earned during the marriage is said to belong to the "community"...it does not matter if the accounts are in separate names, if the income came while married, the couple will share equally in that property.
Where it gets confusing is with "separate property"...property that belonged to one of the spouses prior to marriage, or that they received as a gift during the marriage.
The separate property will remain separate, unless or until its "co-mingled"...for example, the home that you put in her name...that is now a community asset. But if there are bank accounts that were opened prior to marriage and have not had income earned while married deposited in the account? Then that account would likely remain separate property
Let me know if you have more questions