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by Bob Mitton, CDFA & Founder of Tidal Pointe Advisors Most people do not walk into divorce thinking they need a financial professional. They assume their attorney will handle the important parts. Or they trust that a fair split means everything will work out. Often, they are trying to get through the process as quickly and painlessly as possible. What many do not realize until much later is that divorce is not just a legal event. It is a financial turning point, and the deci

Lacking financial clarity is not your fault, we can help you find your footing and move forward with confidence. One of the most common people we work with at Tidal Pointe Advisors is someone we refer to as the Financially Uncertain Partner . They know their marriage is ending, or may be heading in that direction, but they have never managed the family’s finances. Perhaps they stepped away from the workforce to raise children. Perhaps their spouse handled the accounts, invest

The cottage industry of unqualified "experts" providing advice and coaching for profits... buyer beware. By Bob Mitton, CDFA, Founder of Tidal Pointe Advisors If you spend any time online searching for divorce guidance, you will quickly find no shortage of people offering advice. Many of them are passionate, confident, and deeply opinionated. Most of them are not trained professionals. Over the years, I have watched a troubling pattern emerge. People who have been through pai

by Bob Mitton, CDFA, Founder of Tidal Pointe Advisors The short answer is no. You do not always need an attorney to get divorced. For many people, the moment divorce becomes real, the instinct is to call a lawyer. Media portrayals and outdated assumptions have made legal representation feel like a required first step. In reality, divorce today offers several paths, and not every situation calls for an attorney right away. The right approach depends on your circumstances, the

Spousal Support can be an emotionally charged issue. For the payor "how little can it be?" For the recipient, "That's never going to be enough!" by Bob Mitton: CEO, Tidal Pointe Advisors, CDFA When couples go through divorce, there is often a shared understanding that some level of spousal maintenance, or alimony, is necessary. The harder question is how much is fair and sustainable for both parties. In many cases, alimony discussions rely heavily on monthly budgets. Unfortun

Gray divorce, divorce after age 50, has become increasingly common over the past several decades. While divorce at any stage of life can be emotionally and financially complex, later life divorce often carries unique consequences, especially when it comes to retirement income and Social Security benefits. For many individuals, Social Security represents a meaningful portion of future income. Understanding how divorce may affect those benefits is essential before final decisio

By Bob Mitton, CDFA Owner & Founder of Tidal Pointe Divorce Advisors, Wealth Management Advisor & Director of Retirement Planning at Savannah Wealth Management Every divorce is different. Some people work with attorneys, some work with mediators, some choose a collaborative team, and others navigate many of the decisions on their own before asking a professional to help finalize the paperwork. There is no single right way to move through the process. What does stay consistent

A Thoughtful Guide to Protecting Inheritance, Gifts, and Assets Before Marriage. Most people walk into marriage with love, hope, and a vision for the future. But smart people walk in with something else too. Knowledge. Not because they are planning for the relationship to fail, but because they want to enter it with honesty, clarity, and intentional choices. This is especially true for people who have accumulated meaningful assets, built careers, inherited family wealth, or e

Divorce looks different later in life. When it happens in your fifties, sixties, or beyond, the emotional and financial stakes can feel far greater. Retirement plans are already in motion, careers may be slowing down, and major life transitions like becoming empty nesters or caring for aging parents are already underway. This rise in later life divorce, often called gray divorce , has become one of the fastest growing divorce trends in the country. Couples who have spent deca

Why the Right Mortgage Professional Matters More Than You Think... by Bob Mitton, CDFA, Founder & CEO Tidal Pointe Advisors For many people, the family home represents comfort, stability, and the life they worked hard to build. During divorce, it often becomes the most emotional asset in the entire process. Feeling attached to the home is normal, but deciding whether you can truly afford to keep it requires careful analysis. This is where many settlements fall apart, not beca

By Bob Mitton, CDFA®, CEO & Founder of Tidal Pointe Divorce Advisors & Wealth Manager & Director of Retirement Planning Strategy, Savannah Wealth Group Divorce is one of life’s most emotionally disruptive events, and it can also be one of the most financially consequential. In today’s world, where social media is woven into our daily routines, many people overlook the risks their online presence can pose during a divorce.   In fact, social media isn’t just a distraction, it’s