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Solutions for
Divorcees
Guidance for Divorcees Navigating a New Financial Chapter. Divorce can create financial complexity fast—sometimes before the legal process is even complete. This page is for individuals who want clear, fiduciary-aligned guidance as they transition from shared finances to an independent plan.
Heirloom turns uncertainty into an actionable plan, covering cash flow, investments, risk, tax coordination, and longer-term goals.
Divorce Financial Planning
Solutions for Divorcees
Divorce isn’t just a legal event—it’s a financial reset. Common pressure points include:
Cash flow changes: Two households, new fixed costs, support payments, and shifting income sources.
Asset division complexity: Retirement accounts, taxable investments, real estate, and concentrated positions may require careful planning and sequencing.
Tax considerations: Filing status changes, the timing of transactions, and the tax impact of selling or transferring assets can materially affect outcomes. Planning ahead often expands available options.
Insurance and liability gaps: Life insurance, umbrella coverage, property/casualty policies, and beneficiaries may need review.
Estate & legacy updates: Powers of attorney, healthcare directives, and beneficiary designations may need to be aligned with your new reality.
Emotional decision risk: Market volatility plus life stress can lead to rushed decisions. A rule-based process and ongoing communication can help reduce “noise.” Heirloom Wealth Management
Heirloom’s Approach for Divorcees
Heirloom’s work starts with clarity—then builds toward confidence and long-term continuity.
1. Start with a fit-focused first meeting
The initial conversation is designed to confirm alignment: what you need, what Heirloom offers, and whether the relationship is a good fit.
2. Build your Live Well Plan (before major investment decisions)
Heirloom’s planning-first philosophy is straightforward: investment decisions should be tied to what the money needs to do for you. In many cases, clients can begin with a complimentary financial plan to establish a baseline and identify key decisions and tradeoffs.
3. Create a post-divorce financial “operating system”
A divorce transition plan often includes:
A refreshed net worth picture and cash-flow map (what’s changing now vs. later)
An investment allocation aligned to your goals, time horizon, and comfort with risk
Priority sequencing (what to update first: accounts, insurance, estate items, savings cadence)
Scenario planning for large decisions (housing, refinancing, major purchases, support changes)
4. Coordinate proactively on tax-related decisions (without giving tax advice)
Heirloom can help clients ask better questions, plan ahead of deadlines, and coordinate with outside tax and legal professionals so decisions are made with fuller context, especially when timing matters.
5. Ongoing review and communication
Heirloom emphasizes frequent check-ins, often four meetings per year early on, so clients can measure progress versus plan and make course corrections proactively.
Schedule A Strategy Session with Our Team
This initial conversation is designed to understand your goals, current situation, and priorities. You’ll have the opportunity to ask questions, explore how Heirloom’s integrated approach works, and determine whether a longer-term relationship makes sense—without pressure or obligation.
Our Services
A coordinated approach to managing investments, planning, and cash flow, designed to bring clarity and confidence to your financial life today and over time.
Tax strategies integrated with your broader wealth plan, helping inform decisions, improve efficiency, and support long-term outcomes through coordinated planning.
Contact
6400 S Fiddlers Green Circle
Suite 1970
Greenwood Village, CO 80111
3200 Cherry Creek S Dr.
Suite 130
Denver, CO 80209
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The information provided on this website is for general informational purposes only and is believed to be from reliable sources; however, its accuracy or completeness is not guaranteed. This material is not intended to provide tax, legal, or investment advice. Individuals should consult with qualified tax or legal professionals regarding their specific circumstances. Nothing contained herein should be construed as a solicitation or offer to buy or sell any security.
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Investment advisory services are offered through Heirloom Wealth Management LLC, a Registered Investment Adviser.