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Divorced Women


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Financial Planning For Divorced Women. Building What Comes Next.

Financial planning for divorced women rebuilding independence post-divorce. Coaching, accountability, and a real plan for the next chapter, from a fiduciary CFP. 

Schedule a Meeting Call (954) 809-3553
Fiduciary CFP® Behavioral Coaching Independent Practice No-Sales Pressure

HOW WE WORK WITH DIVORCED WOMEN

Divorce changes the math. The planning has to start over.

Build the new baseline

What do you actually own now? What's the income? What does the budget look like as one household? Most plans start with answers to questions like these.

Housing and cash flow first

The big decision usually involves the house. Keep it, sell it, refinance it. The choice has ripple effects on retirement that need modeling.


Retirement, recalculated

Pre-divorce projections assumed two incomes and shared expenses. The new numbers can be sobering, but they're workable when you start now.


Behavioral coaching for big change

Decisions that felt easy as a couple feel hard alone. Part of the work is the regular conversation, not just the spreadsheet.



Long-term, not transactional

We meet on a real cadence, usually quarterly. The plan flexes as your life and the tax code change. Most relationships span decades.



South Florida-rooted, nationally licensed

Offices in Boca Raton and Plantation, plus licensed in all 50 states. Existing clients keep us when they move.



The financial work after a divorce.

Most divorced women come to us with a settlement in hand, a list of newly-titled accounts, and a vague sense that they need to make decisions but no clear sense of the order. The work starts with stabilizing the picture: what you have, what your income looks like, what the next 6 to 12 months actually cost.

From there the longer-term work begins. Retirement projections that used to assume two incomes need to be rebuilt. Beneficiary designations that listed your ex need updating. The estate plan you had as a married couple needs a real rewrite.







WHAT THIS LOOKS LIKE IN PRACTICE

Common situations we work through.

Composite scenarios drawn from real client work, anonymized.

01 The first 90 days

Cash flow stabilized, beneficiaries audited, a draft plan in hand. Most clients feel oriented by month three.


02 The first year

Tax positioning implemented, investment policy in place, the first quarterly reviews done. Decisions start compounding.

03 Three years in

The plan has flexed to handle real-life shifts (a new job, a sale, a loss). The pattern is steady decisions, not reactive ones.

What we cover.

  • Settlement review. Understanding what you got and how the assets are titled. Often this requires re-examining the QDRO (Qualified Domestic Relations Order) for retirement account splits.
  • Housing decision. Keep the house, sell and downsize, or rent. The financial math, plus the tax math (capital gains exclusions, mortgage interest treatment), plus the cash flow reality.
  • Account retitling and beneficiary update. Every account that was joint or that listed your spouse needs updating.
  • Retirement plan rebuild. New savings rate, new asset allocation, new target retirement date.
  • Estate plan rewrite. Coordinated with your attorney. Most pre-divorce estate plans still name the ex somewhere.
  • Insurance review. Life insurance was probably built around a different family structure. Often it needs adjustment.

If your settlement is still being negotiated, we're happy to consult before it's final. Sometimes a small change in the asset mix or the alimony structure (where it still applies post-2017 tax law) makes a real difference to the long-term plan.

RELATED SERVICES

What divorced planning often includes.

Most divorced-women engagements touch several of these areas:

Full Financial Planning

The complete rebuild. New cash flow plan, new retirement projection, new asset allocation.

See full financial planning

Financial Coaching

The behavioral coaching part. The accountability cadence that makes the plan actually happen.

See financial coaching

Estate Plan Update

Beneficiaries, account titling, will and trust updates. The ex-spouse cleanup that most divorces leave undone.

See estate plan update

Other Audiences

Adjacent specialty pages.

Many divorced women also fit one of these:

Professional Women Pre-Retirees Widows Inheritors

What we don't do.

Contact Us Today

We don't lead with proprietary products, structured notes, or non-traded REITs as a portfolio building block. We don't take custody of your assets. We don't promise market-beating returns. The honest answer is that nobody who has to tell the truth to a regulator can.

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QUESTIONS, ANSWERED
Common questions about Financial Planning for Divorced Women

  • Ideally during the negotiation phase, not after. Small choices in the settlement (which assets go to whom, how the retirement accounts are split, whether the house is kept) can have outsized long-term effects. If the settlement is already final, the work shifts to making the best of what you have.
  • A Qualified Domestic Relations Order is the legal document that allows a retirement account (like a 401(k)) to be split between divorcing spouses without triggering tax. It has to be drafted properly and approved by the plan administrator. If your settlement involves splitting a 401(k) or pension, the QDRO is essential.
  • Often the most important decision and the most emotional one. The financial answer depends on the equity, the cost to maintain, the mortgage situation, and what the alternatives look like for your retirement plan. We run the numbers honestly. Some clients should keep it. Others should not.
  • Filing status changes from married-filing-jointly to single (or head-of-household if you've qualifying children). The bracket structure shifts. Capital gains exclusions on a primary home shrink from $500K to $250K. Alimony tax treatment changed in 2017 for divorces finalized after that year. We coordinate with your CPA.
  • Each plan has its own form. IRAs, 401(k)s, pensions, and life insurance policies all need to be updated separately. The will doesn't control these designations. We do a full beneficiary audit as part of the engagement.

Find Us

Two offices, one team.

Boca Raton (Home Office)

1200 North Federal Highway, Suite 300

Boca Raton, FL 33432

(561) 210-7339

Monday to Friday, 8:30 AM to 4:30 PM ET

Plantation

7901 SW 6th Court, Suite 320

Plantation, FL 33324

(954) 809-3553

Monday to Friday, 8:30 AM to 4:30 PM ET

Serving

South Florida cities and neighborhoods

Palm Beach County

Boca Raton Highland Beach Delray Beach Boynton Beach West Palm Beach Palm Beach Palm Beach Gardens

Broward County

Plantation Fort Lauderdale Coral Springs Weston Cooper City Parkland

Ready to talk about financial planning for divorced women?

The first meeting is a conversation, not a sales pitch. We'll talk about where you are, what you're working through, and whether Intercoastal is the right fit. In person in Boca Raton or Plantation, or by video from anywhere.

Schedule A Consultation