— Divorce —
When the math changes, the plan has to change with it.
Divorce is one of the most financially complex events a family goes through. Settlement modeling, pension splits, tax positioning across asset classes, the rebuild on the other side. Your lawyer handles the legal process. We handle everything that touches the money — alongside them, through the process, and after.
i · What we look at
The financial dimensions of a divorce.
Most divorce conversations focus on the legal process — who gets what, when, under whose terms. That's the surface. Underneath, every financial decision carries weight that doesn't show up on the settlement worksheet.
We look at the property classes — principal residence, cottage, investment real estate — each with different tax treatment on disposition. We look at the pensions, which are often the largest asset on the table and the most poorly understood. We look at registered accounts and the rules for rollover at separation. We look at business interests, debt allocation, support obligations, insurance, and the cash flow shape of what comes after.
Nothing on this list is small. Each one quietly changes what “equal” actually means in dollars and tax consequence.
ii · Alongside your lawyer
Counsel does the law. We do the math.
Your divorce lawyer is the legal expert. They're the one drafting the agreements, representing your position at the table, navigating the formal process. Our work is the financial expert alongside them.
We're in regular contact with your lawyer through the process. We share settlement modeling, flag tax consequences before they're written into agreements, raise questions about asset structures we know more about than they reasonably should. The result is a legal process that's grounded in financial reality — not assumptions about what “fair” looks like on paper.
Your lawyer can do their best work because we're doing ours.
iii · After
Everything gets rebuilt.
The wills. The beneficiaries on every account, every policy, every plan. The estate plan that was structured for a married couple. The household budget for one. The investment strategy now that the time horizon has changed. The insurance that was sized for two incomes. The financial plan as a whole — because the plan you had isn't the plan you need.
We do this work alongside you, at the pace you can absorb it. Some of it is urgent — beneficiary changes are time-sensitive, certain elections have deadlines, the tax filing in the year of separation has implications. Other parts are not urgent at all. The new cash flow shape can settle in for a while before any decisions need to be made about how to invest the new household into the long term.
You don't have to know what comes next. We do.
— The next step —
The first conversation isn't about money.
It's about what's happening, where you are in it, and what's keeping you up at night. We start there. The money comes later — when you're ready to look at it, and not before.