Navigate the financial complexities of divorce with CFP® certified guidance. Protect your assets, optimize your settlement, and secure your financial future with specialized planning across the GTA.
Ensure fair division of marital property while protecting exempt assets. Navigate complex valuations of homes, pensions, and businesses with expert guidance.
Structure settlements to minimize tax implications. Understand spousal support deductibility, RRSP transfers, and capital gains exemptions.
Create realistic post-divorce budgets and financial plans. Rebuild credit, update beneficiaries, and establish independent financial security.
Comprehensive review of your financial situation including all assets, debts, income sources, and expenses. We identify potential issues early and develop proactive strategies to protect your interests throughout the divorce process.
Coordinate with appraisers, actuaries, and business valuators to determine fair market values. Analyze liquidity, tax implications, and future growth potential to understand the true value of different assets in your settlement.
Use sophisticated financial modeling to analyze different settlement options. Compare long-term impacts on cash flow, taxes, and retirement security to make informed decisions about asset division and support arrangements.
Coordinate asset transfers, establish new accounts, and implement support arrangements. Provide ongoing financial planning to help you adapt to your new circumstances and achieve independent financial goals.
Should you keep the house or sell? We analyze mortgage capacity, carrying costs, refinancing options, and long-term affordability to help you make the right decision for your financial future.
Defined benefit pensions require careful analysis. We evaluate immediate division, deferred division, or lump sum buyouts to maximize value while minimizing tax implications.
Family businesses need professional valuation. We address goodwill, key person dependency, and liquidity challenges to ensure accurate valuation and practical settlement solutions.
Optimize spousal and child support arrangements for tax efficiency. Balance immediate needs with long-term financial security for both parties.
A Certified Financial Planner (CFP®) specializes in the financial aspects of divorce. We understand the complex intersection of family law and financial planning, ensuring informed decisions about your financial future.
Ontario follows equalization where each spouse gets half the increase in net worth during marriage. This includes the home, pensions, investments, and businesses, with certain exclusions for inheritances and gifts.
It depends on your income, mortgage capacity, and overall asset division. We analyze cash flow, refinancing options, and tax implications to determine if keeping the home aligns with your long-term goals.
Spousal support follows the Spousal Support Advisory Guidelines (SSAGs), considering income differences, marriage length, and children. We help structure support in the most tax-efficient manner possible.
Pension credits earned during marriage are subject to division. Options include pension splitting, lump sum transfers, or ongoing sharing. Each has different tax implications requiring careful analysis.
The earlier the better. Ideally, engage a CFP® before making major decisions or signing agreements. Professional guidance helps avoid costly mistakes and ensures informed decisions about your future.
Get expert guidance through your divorce with a free, confidential consultation.
Based in Mississauga, we provide divorce financial planning throughout the Greater Toronto Area. Meet in-person, virtually, or by phone.