DIVORCE FINANCIAL PLANNING

However life happens, we’re here for you.

Divorce is one of life's most challenging transitions. Forging ahead during or after a divorce can feel impossible but having a compassionate and competent team on your side can make all the difference. Our advisors understand the emotional and financial complexities of divorce and are here to support you every step of the way.

Interested in working with a divorce financial planner?

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“Do I Need a Divorce Financial Planner?”


Very few divorces are “easy,” especially when it comes to finances. Whether you are navigating alimony, retirement accounts, heath care, real estate, or other concerns, there are always financial hurdles to consider. And for high-income couples with complex assets, a divorce can drag on for many months or even years – at great expense to the couple involved.

Our team of Certified Financial Planners (CFP®s), Certified Divorce Financial Analysts (CDFA®s) and Certified Public Accountants (CPAs) can help you navigate this difficult time by providing clarity and guidance. We will work with you to understand your financial situation, set realistic goals, and create a plan to achieve them. Our approach helps ensure that you make informed decisions and avoid costly mistakes.

OUR HOLISTIC APPROACH

We start planning around what’s most important to you. Your goals. Your values. Your life. We understand that you are focused on figuring out new personal routines, balancing caregiving with work and dealing with the emotional stresses that come with the breakup of a marriage. We consider every aspect of your financial life, from assets and liabilities to income and expenses. Our goal is to help you achieve financial stability and help to alleviate concerns, both during and after the divorce process. Our method includes:

  • Divorce Preparation: We’ll help you identify your immediate and long-term cash flow needs and organize your marital assets and liabilities. Our team is prepared to help you assemble your team of legal counsel, mental health professionals, trust and estate professionals, and other contacts needed throughout your divorce process.

  • Divorce Settlement & Negotiation: Our advisors are prepared to help you determine and achieve an equitable division of assets, helping ensure that the outcome is fair and advantageous for you. Whether you are navigating a mediation, a collaborative or litigious divorce, our advisors are experienced and offer realistic, transparent guidance.

  • Second Opinion: We will examine solutions proposed by other advisors and counsel to review the financial implications and after-tax consequences of your current plan.

COORDINATING WITH YOUR TEAM

We understand that coordinating between various professionals during a divorce can be overwhelming. That's why we act as your central point of contact, working closely with your legal and tax counsel to help ensure seamless communication and collaboration. We’ll take the weight off your shoulders, allowing you to focus on what matters most—your well-being and future.

NICHE STRATEGIES FOR GRAY DIVORCES

Let's face it.  You never expected to be here. But here you are.

It’s important to remember that gray divorce, defined as a late-life divorce between long-time married couples, is no longer about the kids. It’s not about child custody or visitation.  At this stage of life, it’s about the asset division. And it’s probably the most important financial transaction of your life.

This is because it’s likely too late in life to make a mistake. You probably don’t have the runway to pivot to a new career or establish a totally new income stream. The outcome of a gray divorce settlement will therefore dictate your lifestyle for the rest of your life. This is no time to make a financial mistake.

That’s why we’re here. At Stearns Financial Group, we have advisors dedicated to working with you and your legal team to help ensure the best settlement outcome possible.  While it’s true that family law attorneys know the law inside and out, we’re the ones who know the finances. In fact, most attorneys we work with rely on us to propose various settlement options, structured in the most advantageous fashion, to help ensure an equitable division of assets. Our goal is always to create a sustainable settlement that will ensure your financial security for the long term.

Our advisors will be with you every step of the way.  

ONGOING SUPPORT

We are tirelessly dedicated to helping you secure your financial future. We will help educate you on the intricacies of your marital estate, including the taxability of various assets and alimony. By planning multiple scenarios, we help ensure that you are prepared for any outcome. Additionally, we invest based on your personal risk tolerance and values, providing personalized financial strategies that align with your goals and needs.

Take the First Step Today


Don't face the challenges of divorce alone. Contact Stearns Financial Group today to schedule a consultation and start planning for a secure financial future. We're here to help you every step of the way.

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