The settlement divides the assets. Your plan is what comes after.

We help you understand the financial picture while it's being divided and rebuild a plan that can fit your life on the other side.

Divorce after a long marriage divides more than property. It divides a financial life that was built as one, often over decades.

Retirement accounts that were funded for two. A home with history and a mortgage. Pensions, insurance, Social Security records, an estate plan written for a future that's changed. In many marriages, one spouse was closer to the money than the other, which means one of you may be looking at this picture in full for the first time.

The decisions made during the process can shape the decades after it. And almost all of them arrive under emotional and time pressure, likely in a sequence you did not choose.

Our role isn't the legal division; that belongs to you and your attorney. Our role is making sure you understand what is on the table, what it means for your future, and how to rebuild a plan that is yours.

The work changes as the process moves. Here is what it looks like at each stage.

During the process
The work here is understanding what exists, what it is worth, and what different outcomes could mean for your long-term picture. Retirement assets and the family home are often the largest pieces, and they don't divide the same way: liquidity, tax treatment, and long-term implications differ significantly. We help you see those differences clearly, in coordination with your attorney and tax advisor, so the decisions you weigh are informed ones.

When it's final
A divorce decree starts a list of practical work: retitling accounts, dividing retirement plans, updating beneficiaries, and adjusting insurance. Much of it is unglamorous and easy to let slide. Some of it, left undone, can quietly contradict everything the settlement decided. We keep the list, and we help work through it with you.

Rebuilding
Then the real planning begins: financial life designed for one. Retirement projections recalculated for your assets and your timeline. Income and spending reset around your actual life. For many people, this is the first financial plan that has ever been entirely theirs, and there is something clarifying about that.

Common questions.

Questions we hear most often from people navigating divorce.

I was not the one who handled our finances. How do I catch up?+

You are not behind — you are starting. We help you build a complete picture of what exists: accounts, retirement plans, insurance, property, debts. Plain language, no assumptions about what you should already know. Understanding the picture is the foundation for every decision that follows.

Can you help me understand what a proposed settlement would mean for my future?+

Yes, that is some of the most valuable work we do in this situation. We model what different outcomes could mean for your retirement, your income, and your financial future, so you and your attorney can weigh proposals with the full picture in view. We don't provide legal advice; we just make sure the financial implications are understood.

What happens to retirement accounts in a divorce?+

It depends on the account type. Workplace retirement plans generally require specific court documents to divide; IRAs follow a different process. Tax treatment and timing rules differ across all of them, and mistakes in this area are expensive and hard to undo. We can coordinate the details with your attorney and tax advisor so the division happens the way it was intended.

Can I claim Social Security based on my ex-spouse's record?+

Possibly. If your marriage lasted at least ten years and certain conditions are met, you may be eligible for benefits based on your ex-spouse's earnings record, without affecting their benefit. The rules are specific, and the claiming decision interacts with the rest of your retirement picture. We help work through it with you.

My spouse is already a client of your team. Can you work with me?+

In most cases, we can't advise both spouses through a divorce — the conflict of interest is real, and pretending otherwise would not serve either of you. If you're in this situation, reach out anyway. We are straightforward about what we can and can't do, and if we can't work with you, we help point you toward someone who can.

What if I'm early in the process — or still deciding?+

Understanding your financial picture has value no matter what you decide. Some people meet with us months before anything is filed, simply to know where they stand. The first meeting is a conversation about your situation. There is no preparation required and no commitment created by meeting with us.

If you're navigating a divorce (at any stage), we would like to meet you.