Navigating a divorce can be emotionally and financially overwhelming. Our team helps individuals throughout the divorce process gain clarity around their finances, make informed decisions, and create a written plan for their next chapter.

Whether you're in the early stages of considering divorce, actively working through a settlement, or adjusting to life after divorce, we provide personalized financial guidance to help you understand your options and align financial decisions with your long-term goals.

Helping Individuals Move Forward with Confidence

Divorce often impacts nearly every aspect of your financial life, from income and expenses to retirement planning, insurance coverage, taxes, and estate strategies. We are passionate about helping individuals understand the financial implications of major life changes and empowering them to make informed decisions during times of transition.

Areas of Expertise

• Evaluating current cash flow, expenses, and financial priorities before, during, and after divorce.

• Helping clients understand the financial implications of asset division and property settlements.

• Reviewing retirement accounts, pension benefits, and qualified domestic relations order (QDRO) considerations.

• Developing strategies to adjust financial plans based on changes in income and household structure.

• Creating post-divorce budgets and savings strategies aligned with future goals.

• Assessing insurance needs, beneficiary designations, and financial protection strategies.

• Evaluating tax considerations related to divorce settlements, support payments, and asset transfers.

• Assisting with long-term planning for homeownership, education funding, retirement, and wealth accumulation.

• Helping individuals better understand their financial situation and establish a roadmap for their next phase of life.

• Coordinating with attorneys, tax professionals, and other trusted advisors as appropriate.

Why Divorce Is an Important Issue for Small Business Owners

Divorce can be especially complex when one or both spouses own a closely held business, professional practice, partnership interest, or family enterprise. For many small business owners, the business is not only a source of income, but also one of the largest assets in the marital estate. Decisions made during the divorce process can affect business value, operating control, cash flow, taxes, employees, ownership continuity, and long-term financial security.

• Identifying financial planning questions to discuss with legal counsel regarding whether business interests may be treated as marital, separate, or mixed property.

• Encouraging clients to work with a qualified valuation professional when a business valuation is needed.

• Helping clients understand the cash flow and liquidity considerations that may arise if one spouse seeks to retain the business.

• Discussing how business income, debt service, personal living expenses, and support obligations may affect the client’s broader financial plan.

• Coordinating with tax professionals regarding tax planning considerations related to asset transfers, ownership changes, capital gains, or a future business sale.

• Collaborating with attorneys, valuation professionals, tax professionals, and other advisors so financial decisions stay aligned with the divorce process and business continuity needs.

• Reviewing existing buy-sell agreements, operating agreements, shareholder agreements, succession plans, and insurance coverage to identify planning items the client may need to address with the appropriate professional.

Common Questions We Hear

• What financial documents should I gather before beginning the divorce process?

• How can I determine whether I can afford to keep the family home?

• What happens to our retirement accounts during a divorce?

• How should I evaluate a settlement offer?

• What are the tax implications of dividing assets?

• How will divorce affect my long-term retirement plans?

• What should I know about alimony or spousal support from a financial perspective?

• How can I create a sustainable budget based on my new circumstances?

• What changes should I make to my insurance coverage after divorce?

• How should beneficiary designations be updated following a divorce?

• What financial considerations are most important when children are involved?

• How can I rebuild savings and investments after divorce?

• What should I prioritize financially in the first year after divorce?

• How do I separate joint accounts and establish independent finances?

• What steps can I take to feel more financially secure moving forward?