Divorce Planning
76 guides on divorce planning for Canadians — newest first.
Child Support in Ontario on a $230,000 Income 2026: Your Exact Monthly Payment for 2 Kids
The two-stage Federal Child Support Guidelines calculation for 2 children on $230K — table amount at $150K, the s.4 formula for the $80K excess, Section 7 add-ons, and shared-custody set-off math.
13 min readBusiness Share Split Ontario 2026: Lump Sum vs Installment vs Deferral — Which Saves More on $750K?
Divorcing with $750K in business shares? Three paths — lump sum, installment, deferral — produce tax outcomes that differ by $40K–$85K. Side-by-side Ontario math inside.
11 min readBusiness Share Split Calculator 2026 Ontario: Your Exact Number by Income, Age, and Province
Divorcing in Ontario with $400K in business shares? Calculate your exact equalization payment, LCGE shelter, and tax on three division methods — sell, transfer, or offset with RRSPs.
12 min readDivorcing Spouse With $1.2M Self-Employment Income Allocation in Ontario (2026): The Real Tax + Decision Walk-Through
Ontario divorce with $1.2M in self-employment income? How income allocation between salary, dividends, and retained earnings changes the outcome by $200K+.
13 min readDivorcing Spouse With $400K Cottage Co-Ownership in Ontario (2026): The Real Tax + Decision Walk-Through
Co-owning a $400K cottage with your soon-to-be-ex in Ontario? Walk through equalization, capital gains at 50% inclusion, principal residence exemption strategy, and the buyout-vs-sell decision — with real tax math.
10 min readDivorcing Spouse With $400K Pension Division in Ontario (2026): The Real Tax + Decision Walk-Through
The pension valuation method you choose — IF method vs transfer — swings the after-tax outcome by $60K–$120K on a $400K defined-benefit pension in an Ontario divorce.
12 min readDivorcing Spouse With $750K Spousal Support Tax in Ontario (2026): The Real Tax + Decision Walk-Through
Ontario divorce with $750K in lifetime spousal support? Periodic vs lump sum changes the tax bill by $150K+. Walk-through with real SSAG ranges, marginal rates, and CRA rules.
12 min readMatrimonial Home Buyout Calculator 2026 Ontario: Your Exact Number by Income, Age, and Province
Divorcing in Ontario with a $1.2M matrimonial home? Calculate your exact buyout amount, new mortgage requirement, and closing costs — with real 2026 numbers for equalization, LTT, and GDS ratio.
11 min readMatrimonial Home Buyout Ontario 2026: Lump Sum vs Installment vs Deferral — Which Saves More on $400K?
Three ways to fund a $400K matrimonial home buyout in an Ontario divorce. One structure saves $40K+ in combined tax and carrying costs. Real 2026 numbers.
11 min readPension Division Ontario 2026: Lump Sum vs Installment vs Deferral — Which Saves More on $1.2M?
Divorcing in Ontario with $1.2M in pensions? Lump sum vs installment vs deferral changes the tax outcome by $80K–$140K. Side-by-side comparison with real 2026 marginal rates.
13 min readRRSP Split Rollover Calculator 2026 Ontario: Your Exact Number by Income, Age, and Province
On a $750K combined RRSP pool in an Ontario divorce, the ITA s. 60(j.1) rollover saves $63K–$107K in income tax versus cash withdrawal. Interactive calculator + worked examples.
12 min readSelf-Employment Income Allocation Ontario 2026: Lump Sum vs Installment vs Deferral — Which Saves More on $750K?
Divorcing with $750K in self-employment income to divide in Ontario? Compare lump-sum buyout, installment payments, and corporate deferral — with real tax math at every bracket up to 53.53%.
12 min readShould Divorcing Spouse Business Share Split in Ontario (2026)? The Decision Tree With Real $1.2M Numbers
A $1.2M incorporated Ontario business in a divorce triggers equalization, capital gains, and LCGE questions. Decision tree walks through share sale vs. offset vs. buyout — with worked tax math at every branch.
11 min readShould Divorcing Spouse Cottage Co-Ownership in Ontario (2026)? The Decision Tree With Real $750K Numbers
Divorcing in Ontario with a $750K cottage? Co-own, buy out, or sell — each path produces a different tax bill. Decision tree with real 2026 numbers.
11 min readShould Divorcing Spouse RRSP Split Rollover in Ontario (2026)? The Decision Tree With Real $400K Numbers
Divorcing in Ontario with $400K in combined RRSPs? The tax-free rollover under ITA s. 60(j.1) can save $50K+ — but only if the separation agreement is drafted correctly. Decision tree with real numbers.
12 min readShould Divorcing Spouse Spousal Support Tax in Ontario (2026)? The Decision Tree With Real $1.2M Numbers
Periodic spousal support is deductible by the payer and taxable to the recipient. On $1.2M of combined assets and $4,500/month support, the tax swing between structures is $40K–$85K.
11 min readPension Division Calculator 2026 Ontario: Your Exact Number by Income, Age, and Province
On a $68K/yr Ontario pension after 18 years of marriage, the ex-spouse share is roughly $382,000. Interactive calculator shows your exact number by pension income, marriage years, and province.
12 min readCommon-Law Separation in BC After 9 Years and a $680K Joint Home: Property Rights Under the Family Law Act (2026)
BC’s Family Law Act treats common-law couples as legal spouses after 2 years of cohabitation. A 9-year couple with a $680K joint home, combined RRSPs, and shared TFSAs divides assets 50/50 by default — same rights as...
14 min read readDivorce After 25 Years in Ontario with a $1.1M Home and $450K RRSPs: The Equalization Math + RRSP Rollover (2026)
An Ontario couple separating after 25 years with a $1.1M home and combined $450K in RRSPs faces a $78K-$240K equalization payment. The s. 60(j.1) ITA RRSP rollover transfers funds between spouses tax-free, saving up to...
15 min read readDivorce with Pension Valuation for an Ontario Teacher with 22 Years of OTPP Service: The $480K Asset Most Miss (2026)
A 22-year Ontario teacher’s OTPP pension has a Family Law Value of roughly $478K — often the largest single asset in the marriage. The FSCO-prescribed valuation under Ont. Reg. 287/11, the 50% transfer cap to a...
15 min read readFHSA for a Divorced Parent in Ontario Who Already Owned the Matrimonial Home: The Eligibility Reset After 4 Years (2026)
A 41-year-old Ontario father who lost the matrimonial home 5 years ago in equalization is eligible for FHSA — the 4-year non-ownership test resets. $110K income, $3,033 refund per $8K contribution, $45K tax-free down...
13 min read readDivorce in Ontario After Inheriting $400,000 From a Parent Mid-Marriage: When Excluded Property Stops Being Excluded in 2026
Ontario's Family Law Act excludes inherited money from net family property — until you commingle it. Three common moves strip that protection on a $400K inheritance, and the mortgage paydown is the worst.
14 min read readSeparation Agreement Ontario 2026: What to Include
Expert insights on divorce planning to help you navigate your financial transition.
10 min readCommon-Law Separation BC 2026: Equal Property Rights
Expert insights on divorce planning to help you navigate your financial transition.
10 min readDivorce Tax Implications Canada 2026: 8 Tax Traps
Expert insights on divorce planning to help you navigate your financial transition.
10 min readDivorce Financial Planning Manitoba 2026
Expert insights on divorce planning to help you navigate your financial transition.
10 min readChild Support Ontario 2026: Federal Guidelines & Calculator
Expert insights on divorce planning to help you navigate your financial transition.
10 min readDivorce Financial Planning Saskatchewan 2026
Expert insights on divorce planning to help you navigate your financial transition.
10 min readDivorce Financial Planning Alberta 2026: Complete Guide
Expert insights on divorce planning to help you navigate your financial transition.
10 min readHow Much Does Divorce Cost Canada 2026? Province-by-Province
Expert insights on divorce planning to help you navigate your financial transition.
10 min readGrey Divorce Over 50 Ontario 2026: Financial Planning Guide
Expert insights on divorce planning to help you navigate your financial transition.
10 min readCommon-Law Separation Property Rights Ontario 2026
Expert insights on divorce planning to help you navigate your financial transition.
10 min readDivorce Financial Planning BC 2026: Complete Guide
Expert insights on divorce planning to help you navigate your financial transition.
10 min readDivorce Property Division Saskatchewan 2026
Expert insights on divorce planning to help you navigate your financial transition.
10 min readDivorce Property Division Quebec 2026: Civil Law Rules
Expert insights on divorce planning to help you navigate your financial transition.
10 min readPension Division in Divorce Ontario 2026
Expert insights on divorce planning to help you navigate your financial transition.
10 min readSpousal Support Ontario 2026: How It Is Calculated, Duration & Tax Treatment
Expert insights on divorce planning to help you navigate your financial transition.
10 min readProperty Division in Alberta Divorce 2026: Family Property Act Explained
Expert insights on divorce planning to help you navigate your financial transition.
10 min readHow Much Does a Divorce Cost in Ontario 2026? Complete Breakdown
Expert insights on divorce planning to help you navigate your financial transition.
10 min readProperty Division in BC Divorce 2026: What You Are Entitled To
Expert insights on divorce planning to help you navigate your financial transition.
10 min readDivorce Financial Checklist Ontario 2026: 20 Steps to Protect Your Money
Expert insights on divorce planning to help you navigate your financial transition.
10 min readDivorce Financial Checklist Canada 2026: The Step-by-Step Money Plan (RRSP, TFSA, Pension, Taxes) | Life Money
A practical divorce financial checklist Canada guide for 2026: assets and debts, RRSP/TFSA splitting, pension division, tax implications, and child su
12 min readPost-Pandemic Divorce Trends: Financial Planning Guide 2025 | Life Money
How remote work, housing market changes, and economic uncertainty are reshaping divorce settlements in the GTA. Expert guidance for 2025.
12 min readFree Divorce Settlement Calculator Canada: Calculate Your Equalization Payment 2026 | LifeMoney
Use our free divorce settlement calculator to estimate your equalization payment, Net Family Property (NFP), and fair asset division. Supports all Can
12 min readGrey Divorce Over 50 in Ontario: The Complete Financial Planning Guide | Life Money
Divorcing over 50 in Ontario? Understand equalization payments, CPP credit splitting, pension division, RRSP/RRIF rollovers, and how to protect your r
12 min readHow to File Taxes After Divorce in Canada 2026: Complete Guide
Update marital status within 30 days, claim eligible dependant credit ($2,356), understand spousal support deductions, and navigate RRSP transfers. Co
12 min readIncome Splitting After Divorce in Ontario: Strategies for 2026 | Life Money
Navigating income and tax after divorce in Ontario? Learn how spousal support deductibility, RRSP rollovers, CPP credit splitting, and pension income
12 min readSpousal RRSP Strategies 2026: Income Splitting & Tax Savings
Learn how spousal RRSPs work in 2026, the 3-year attribution rule, income splitting benefits, Ontario tax examples, and when to use spousal RRSP vs pe
12 min readSpousal RRSP Withdrawal Rules & Attribution 2026: Complete Canada Guide | Life Money
How spousal RRSP withdrawals work in Canada in 2026 - the 3-year attribution rule, when withdrawals are taxed in whose hands, income splitting strateg
12 min readSpousal Support Tax Rules Canada 2026: Deductible for Payer, Taxable for Recipient | Life Money
Spousal support (alimony) is tax-deductible for the payer and taxable income for the recipient in Canada. Learn the exact CRA rules, periodic vs lump
12 min readWhen to Hire a Divorce Financial Planner (7 Signs You Need One) | Life Money
Not every divorce needs a financial planner. But if you have a home, pension, or business, a CDFA could save you $50,000+. See the 7 signs you need pr
12 min readWhen to Hire a Divorce Financial Analyst (CDFA) in Ontario
Expert insights on divorce planning to help you navigate your financial transition.
10 min readJoint Accounts During Separation: What Ontario Couples Need to Know
Expert insights on divorce planning to help you navigate your financial transition.
10 min readValentine's Day Divorce: Financial Planning for Couples Considering Separation
Expert insights on divorce planning to help you navigate your financial transition.
10 min readDomestic Violence: Financial Safety Planning
Expert insights on divorce planning to help you navigate your financial transition.
10 min readCollaborative Divorce: Cost-Benefit Analysis
Expert insights on divorce planning to help you navigate your financial transition.
10 min readRemarriage Financial Planning: Complete Checklist
Expert insights on divorce planning to help you navigate your financial transition.
10 min readFinancial Abuse Recovery: Post-Divorce Rebuilding
Expert insights on divorce planning to help you navigate your financial transition.
10 min readCo-Parenting Apps: Financial Tracking and Transparency
Expert insights on divorce planning to help you navigate your financial transition.
10 min readDivorce Resolution: Fresh Start Financial Planning
Expert insights on divorce planning to help you navigate your financial transition.
10 min readThanksgiving: Managing Blended Family Finances
Expert insights on divorce planning to help you navigate your financial transition.
10 min readHigh-Conflict Divorce: Financial Protection Strategies
Expert insights on divorce planning to help you navigate your financial transition.
10 min readRemarriage: Estate Planning Considerations
Expert insights on divorce planning to help you navigate your financial transition.
10 min readCustody Arrangements: Financial Impact Assessment
Expert insights on divorce planning to help you navigate your financial transition.
10 min readPrenuptial Agreements: Financial Protection Strategies
Expert insights on divorce planning to help you navigate your financial transition.
10 min readCommon-Law Separation: Asset Division Rights in Ontario
Expert insights on divorce planning to help you navigate your financial transition.
10 min readHalloween: Managing Shared Custody During Holidays
Expert insights on divorce planning to help you navigate your financial transition.
10 min readDigital Asset Division in Modern Divorce
Expert insights on divorce planning to help you navigate your financial transition.
10 min readThanksgiving: Navigating First Holidays After Divorce
Expert insights on divorce planning to help you navigate your financial transition.
10 min readDivorce Mediation vs Litigation: Cost Analysis
Expert insights on divorce planning to help you navigate your financial transition.
10 min readSpousal Support Duration: Recent Case Law
Expert insights on divorce planning to help you navigate your financial transition.
10 min readGray Divorce: Retirement Account Division Strategies
Expert insights on divorce planning to help you navigate your financial transition.
10 min readChild Support Modifications for School Year Changes
Expert insights on divorce planning to help you navigate your financial transition.
10 min readToronto Real Estate Division in Divorce: September Market Update
Expert insights on divorce planning to help you navigate your financial transition.
10 min readBack-to-School Budgeting for Newly Divorced Parents
Expert insights on divorce planning to help you navigate your financial transition.
10 min readRRSP vs TFSA During Divorce: Which Assets Are Really Yours?
Expert insights on divorce planning to help you navigate your financial transition.
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