When To Bring a Financial Adviser Into Your Divorce Journey

Independent financial advice can help you find a way through the tangled path of your divorce.

Most people think to call a financial adviser at the end of a divorce—but what if they were your first call?

In this episode, Nathan and Jordan walked through the three stages of separation—before, during, and after—and explain how financial advice can provide a calm, clarifying presence to help you chart a path through the chaos.

Before Separation: Confidential, Compassionate Clarity

This stage often begins in silence.

Many women find themselves considering separation long before they speak the words out loud. Sometimes they’re not even sure they can separate—financially or otherwise.

That’s where a confidential conversation with a financial adviser can help.

These early chats aren't about strategy or outcomes—they’re about safety, options, and giving someone space to say, “I’m not okay.”

Independent Financial Advisers like Jordan and Nathan create safe, low-risk touchpoints. Calling a lawyer can feel like a declaration; calling a financial adviser is more discreet and less likely to raise suspicion from a partner.

Often, these conversations don’t lead to separation. Sometimes, they open the door to better communication and shared financial understanding.

But when they do lead to separation, they’re a valuable first step into what can otherwise feel like an overwhelming process.

During Separation: Equalising Knowledge, Reducing Stress

For many women, particularly those who haven’t been involved in the finances, the months after separation are steeped in uncertainty.

There may be joint accounts, offset loans, trusts, or even tax notices they’ve never seen before. This isn’t just overwhelming—it can genuinely be frightening. What else is unknown, and what else could surprise you?

A financial adviser can be your interpreter.

They don’t replace your lawyer, but they help translate the financial noise into something understandable. They help build a picture of your income, assets, and needs. They work with your lawyer to set reasonable expectations—what’s a realistic outcome? What does that split really mean in terms of living, working, or keeping the house?

And perhaps most importantly, they help answer the biggest unspoken question: Will I be okay?

Advisers model outcomes, build budgets, and act as a sounding board. This preparation empowers women to enter mediation or negotiation with clarity, confidence, and a clear sense of their own priorities—not just a fight over percentages.

After Separation: Turning the Page with Confidence

Once the dust has settled and the assets are divided, the next chapter begins. But for many women, this is the hardest stage.

You're tired.

You're emotionally drained.

The thought of telling your story to another professional feels like too much.

That’s why bringing a financial adviser in early makes such a difference. There’s already trust. They know the background. And they’re now in the best position to help rebuild—from planning for retirement, to managing lump sums, to understanding how to invest or draw down funds sustainably.

This phase is about simplicity, education, and empowerment.

It’s about uncle-proofing your plan—so that when your brother-in-law chimes in with financial advice at the next barbecue, you can smile, knowing your plan is solid, so you can tune out their (well-intentioned but irrelevant) opinions with confidence!

Final Thought: Start Sooner, Not Later

The earlier you involve a financial adviser in the separation journey, the more value they can offer—not just in dollars and cents, but in calm, clarity, and peace of mind. If you're supporting a friend, a sibling, or if you're facing these decisions yourself, don’t wait until the ink is dry.

Let advice be a steady hand from the very beginning.

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