Divorce Decisions Require Financial Clarity
TruClarity™ Divorce Financial Planning
Understand how support, property division, taxes, cash flow, and retirement decisions may affect your life now and over time. TruNorth provides Financially Guided or Financially Modeled planning tailored to the issues you need to resolve.
Guiding You Through Change
Divorce Financial Planning Built Around the Decisions You Face
Divorce decisions are interconnected. A decision about the marital home can affect cash flow, support, taxes, liquidity, and retirement security. TruNorth helps you organize the financial picture, understand the trade-offs, and evaluate proposed terms before you agree to them.
Choose Financially Guided planning for education, strategic guidance, and evaluation of key considerations—or Financially Modeled planning when you need detailed calculations, projections, and settlement-scenario comparisons.
Planning may focus on Cash Flow & Support, Assets & Net Worth, or an Integrated analysis of both.
Choose the Right Level of Analysis
Financially Guided or Financially Modeled
The appropriate framework depends on the decisions you face and the depth of analysis you need—not simply the size of your marital estate.
Financially Guided Planning
Strategic financial guidance without extensive quantitative modeling
Best when you need professional insight, education, and help evaluating financial decisions.
- Review of relevant financial information
- Cash-flow and support guidance
- Asset and debt guidance
- Education about marital and separate property
- Discussion of settlement options and trade-offs
- Identification of financial risks and implementation needs
Financially Modeled Planning
Detailed analysis that allows you to calculate and compare financial outcomes
Best when you need to quantify how different options may affect your finances now and over time.
- Customized post-divorce budgets
- Detailed income and support analysis
- Asset, debt, and marital-home modeling
- After-tax and liquidity analysis
- Side-by-side settlement scenarios
- Cash-flow and net-worth projections
Financially Modeled Planning includes the strategic guidance provided through the Financially Guided framework.
PLANNING OPTIONS
Choose the Scope of Financial Planning
Cash Flow & Support
Budgets, income, child support, and alimony
- Post-divorce budgets and spending needs
- Income and cash-flow considerations
- Child-support and alimony analysis
- Variable income and alternative support structures
Financially Guided: Starting at $1,250*
Financially Modeled: Starting at $3,250*
Assets & Net Worth
Property division, taxes, liquidity, and future financial security
- Marital and separate property considerations
- The marital home, investments, retirement assets, and debt
- Taxes, liquidity, and long-term value
- Alternative divisions and equalization needs
Financially Guided: Starting at $1,500*
Financially Modeled: Starting at $2,500*
Integrated Planning
Support, cash flow, assets, and net worth evaluated together
- Includes both planning scopes
- Identifies interactions between support and property decisions
- Evaluates the overall financial workability of proposed terms
- Provides the most complete settlement analysis
Financially Guided: Starting at $2,500*
Financially Modeled: Starting at $5,750*
*Starting fees apply to estimated net marital estates under $1 million. Fees increase based on the selected scope, analytical framework, and estimated net marital estate.
Want to Understand the Financial Decisions First?
Not ready for personalized divorce financial planning ? Our free on-demand webinar explains four of the financial decisions that can have the greatest impact on your divorce outcome—and what people often overlook when evaluating a settlement.
Prefer to start with something you can read?
Specialized Financial Work
Supplemental Advanced Analyses and Services
Some financial issues require specialized valuation, tracing, or implementation work beyond the selected planning scope. When needed, these services are separately scoped and priced.
Pension Valuation
- Corporate or government pension: $1,350
- Military pension: $1,800
Executive Compensation Review
- Starting at $1,950
Business Value Analysis
- Starting at $2,750
Separate Property Tracing
- Individually scoped based on the number of assets and accounts, period being traced, transaction volume, and availability of records
QDRO and Retirement-Order Coordination
- Starting at $1,000
General consideration of these assets within financial planning is included. Specialized valuation, tracing, and advanced analytical work are priced separately when required.
CLIENT EXPERIENCES
What Financial Planning Clients Say About Working with TruNorth
★★★★★
“Berni was not only a great strategist but also a great sounding board. Having someone listen to my situation without any preconceived notions is probably what kept me sane. Well worth the expense.”
— Laura*
Google Review
★★★★★
“I enlisted Berni to help audit initial financial documents, but she evolved into a coaching role—one I needed to navigate the roller coaster of my case.… She helped me craft a strategy tailored to my current needs and desired outcome. Her firm and direct approach strengthened both my case and my own resolve.”
— Rachel*
Google Review
★★★★★
“Berni is so easy to work with. She helped make an unpleasant situation easier. She was very responsive and explained everything I had questions about. I highly recommend Berni if you are in need of these services.”
— Karen*
Google Review
*Names changed for privacy. Excerpts from verified Google reviews.
FINANCIAL GUIDANCE
Divorce Financial Planning FAQs
Should I keep the house in my divorce?
Keeping the marital home can provide stability, but it isn’t always the best financial decision. Consider the mortgage, taxes, insurance, maintenance, refinancing requirements, post-divorce cash flow, and what you may be giving up in other assets to keep it. Financial modeling can help you compare keeping, selling, or buying out your spouse’s interest before you commit to a settlement.
How can divorce financial planning help me evaluate a settlement?
A settlement that looks equal on paper may affect each spouse very differently over time. Divorce financial planning can compare settlement options based on cash flow, taxes, retirement resources, housing costs, support, and other financial factors so you can better understand the potential consequences before making a decision.
Do I need divorce financial planning if I already have an attorney?
An attorney and a divorce financial professional serve different roles. Your attorney provides legal advice and advocacy, while divorce financial planning focuses on analyzing the financial implications of your choices. The two can work together to help you make informed decisions about property division, support, housing, retirement, and settlement options.
When should I involve a divorce financial professional?
You don’t need to wait until a settlement is on the table. Involving a divorce financial professional earlier in the process can help you understand your financial picture, identify important questions, evaluate options, and prepare for negotiations.
Financial guidance can be useful whether you are working through mediation, negotiating through attorneys, using the collaborative process, or handling portions of your divorce yourself.
What types of financial issues can divorce financial planning help with?
Divorce financial planning can help with decisions involving the marital home, retirement accounts and pensions, support, taxes, cash flow, separate property, business interests, executive compensation, and other complex assets.
It can also help you compare different ways of structuring a settlement so you can better understand how the choices you make today may affect your finances in the years ahead.
Make Divorce Decisions With Greater Financial Clarity
Schedule a private Clarity Call to discuss the financial issues you need to address, the appropriate planning scope, and whether Financially Guided or Financially Modeled planning is the right fit.