Divorce Financial Planning

Divorce is one of the biggest personal transitions a person can face.

It is also one of the biggest financial turning points.

Many people going through divorce feel pressure to make fast decisions about assets, housing, retirement accounts, and long term security, even when they are emotionally overwhelmed.

If you are asking questions like:

-Should I accept this divorce settlement?
-What will my finances look like after divorce?
-How do I protect myself financially?
-What happens to retirement accounts in divorce?
-How do I rebuild my financial plan after divorce?

You are not alone.

At Apriem Advisors, we provide divorce financial planning designed to help you make informed decisions, avoid costly mistakes, and move forward with clarity.

Why Divorce Financial Planning Matters

Divorce is not only about dividing assets. It is about building a financial life that works after the divorce is final.

Many divorce settlements look fair on paper but create problems later, especially when taxes, retirement accounts, and long term cash flow are not fully considered.

Divorce financial planning helps clients evaluate:

  • what assets are actually worth after taxes

  • whether income will support long term goals

  • how retirement accounts and pensions are handled

  • how housing decisions impact financial security

  • what steps are needed to rebuild a plan after divorce

divorce financial planning consultation
divorce financial planning consultation

Evaluating a Divorce Settlement

One of the most common reasons people seek help is to evaluate divorce settlement options.

We help clients understand the financial impact of different settlement scenarios, including:

  • asset division and long term value

  • retirement accounts and qualified plans

  • tax consequences of different assets

  • cash flow planning after divorce

  • the financial impact of keeping the house

  • planning for spousal support and child support

Our role is not legal advice. It is financial clarity.

Divorce and Retirement Accounts

Retirement accounts are often one of the largest assets involved in divorce.

Many people do not realize that dividing retirement accounts can involve special rules, paperwork, and long term planning consequences.

Divorce planning may include:

  • understanding 401(k) and IRA division

  • planning for QDRO requirements

  • evaluating pensions and deferred compensation

  • understanding tax consequences of withdrawals

  • rebuilding retirement planning after assets are divided

financial advisor supporting clients during divorce
financial advisor supporting clients during divorce

Tax Planning During and After Divorce

Divorce often changes taxes in major ways.

Tax planning during divorce may include:

  • filing status changes

  • capital gains planning for investments or real estate

  • tax consequences of asset transfers

  • planning for support payments

  • updating withholding and estimated taxes

A thoughtful plan can help prevent surprises and protect long term stability.

Housing Decisions After Divorce

For many people, the family home becomes one of the most emotional and complex parts of divorce.

We help clients evaluate questions like:

  • Can I afford to keep the house long term?

  • What are the hidden costs of keeping the home?

  • What happens when I need to refinance?

  • What are the tax consequences if I sell?

Housing decisions are not just lifestyle decisions. They are major financial decisions.

financial advisor supporting clients during divorce
financial advisor supporting clients during divorce

Rebuilding Your Financial Plan After Divorce

Divorce often requires rebuilding your entire financial foundation.

This may include:

  • creating a new cash flow plan

  • setting new savings and investing goals

  • rebuilding retirement planning

  • updating insurance coverage

  • restructuring investment strategy for your new situation

We help clients create a plan that supports the next chapter, not just the divorce process itself

Estate Planning Updates After Divorce

Many people do not realize how important it is to update estate planning after divorce.

This often includes:

  • updating beneficiaries on retirement accounts and life insurance

  • revising wills and trusts

  • updating powers of attorney

  • reviewing account titling

  • revisiting legacy planning goals

We coordinate with your estate attorney to ensure your plan reflects your new life.

financial advisor supporting clients during divorce
financial advisor supporting clients during divorce

Who We Work With

We work with individuals who are:

  • in the early stages of divorce and want clarity

  • negotiating a divorce settlement

  • finalizing divorce and preparing for the next chapter

  • recently divorced and rebuilding a financial plan

  • looking for a long term relationship with a financial advisor after divorce

How We Help as a Financial Advisor During Divorce

Divorce financial planning is about support, strategy, and clarity.

Our work often includes:

  • evaluating settlement scenarios

  • retirement planning and asset division strategy

  • tax planning coordination

  • investment planning and portfolio restructuring

  • rebuilding long term financial security

  • ongoing wealth management after divorce

financial advisor supporting clients during divorce

Ready to Talk Through Your Financial Plan?

If you are navigating divorce and want a clear plan for your financial future, we would be honored to help.