Divorce Financial Planning for Every Stage

Whether you’re contemplating divorce or are already deep in the process, I will work with you and your attorney to determine your financial standing and needs.

A Clear Financial Path Through Divorce

When life changes, your money needs a plan. Divorce raises tough, time-sensitive questions: What happens with the home or business? How will support, taxes, and retirement cash flow work—today and years from now?

At FMD Wealth Advisors, this is our lane. As a fee-only fiduciary Registered Investment Adviser led by a Certified Divorce Financial Analyst® (CDFA®), we help you and your legal team see the full picture, quantify trade-offs, and make informed decisions with confidence. Our role is to bring clarity to the numbers—so you can focus on the life you’re building next.

You don’t have to figure this out alone. We collaborate with your attorney or mediator, model settlement options, and design a practical, tax-aware plan for what comes after the decree.

FMD Wealth Advisors provides financial guidance and does not offer legal advice. We coordinate closely with your legal counsel.

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How We Work Together

Flexible, client-first engagement. Meet in our office, your attorney’s office, or virtually—whatever keeps momentum and reduces stress.

A simple, three-step process

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1. Assess & Organize

  • Inventory assets, liabilities, income, and expenses

  • Gather key documents and financial affidavits (as required in your jurisdiction)

  • Establish current cash flow and near-term needs

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2. Model & Decide

  • Build side-by-side “what-if” settlement scenarios and tax projections

  • Quantify trade-offs (home vs. liquidity, pensions vs. offsets, support structure, etc.)

  • Coordinate with your attorney/mediator to align numbers with your goals

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3. Implement & Move Forward

  • Post-settlement account consolidation and retitling support

  • Tax-smart investment plan, cash-flow roadmap, and risk/insurance review

  • Ongoing check-ins as laws, markets, and life circumstances evolve

  • Reduce uncertainty, keep lifetime taxes in view, and turn complex choices into clear, defensible next steps.

Services We Offer

Divorce is a legal event with major financial consequences. We bring technical depth and clear communication to help you make sound choices.

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Document & Case Support

  • Financial affidavit preparation and review (e.g., Statement of Net Worth / Financial Statement equivalents)

  • Opposing party affidavit review and anomaly checks

  • Comprehensive asset, liability, income, and expense listing and valuation

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Analysis & Calculations

  • What-if settlement scenarios (cash flow, taxes, and long-term sustainability)

  • Pension valuation and offset analysis

  • Marital vs. separate property analysis (tracing and characterization)

  • Property division design with clear schedules and implementation steps

  • Home feasibility analysis — answer “Can I keep the home?” with a detailed budget report (mortgage, taxes, maintenance, reserves)

  • Spousal maintenance and child-support cash-flow modeling (with tax considerations)

  • Retirement plan division support and QDRO-related calculations (in coordination with your attorney and plan rules)

  • Business, RSU/stock option, and deferred-compensation review (as applicable)

  • Tax-aware projections for near- and long-term planning

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Post-Settlement Financial Planning

  • Account consolidation, beneficiary updates, and retitling coordination

  • Tax-efficient investment strategy and withdrawal planning

  • Insurance, legacy, retirement, social security, education & tax planning aligned to your new plan

Ready to get clarity and move forward?

Schedule a confidential introduction -> and let’s outline your options.

Note: We do not provide legal advice or draft legal documents. We partner with your attorney to support your case with rigorous financial analysis.

GET STARTED TODAY

Take the first step toward a secure financial future by partnering with FMD Wealth Advisors.

We are here to guide you every step of the way, providing expertise, clarity, and confidence in achieving your financial goals.