Divorce support for financial advisors
A CDFA partner, not a competitor. We work alongside you, never in place of you.
When a client’s marriage ends, the plan you have spent years building gets divided by people who have never seen it. Assets move, accounts get retitled, and the household you were planning for becomes two. Somewhere in that process, a lot of advisors lose one side of the relationship, and often the assets with it.
We handle the financial analysis inside the divorce so the plan comes out the other side intact, and so does your relationship with the client.
For eight years, Bob was the person advisors called. As an annuity wholesaler for Brighthouse Financial in Pennsylvania, he worked with around 300 independent advisors on retirement income and asset management questions, brought in case by case when something needed a specialist.
The CDFA work is that same arrangement pointed at a different problem. You call when a divorce lands in the middle of a plan you have spent years building. We handle that piece and hand it back.
Tidal Pointe does not manage assets and does not sell products. The engagement ends when the divorce does, and the client stays yours.
Where we come in
- Before the settlement: tax, cash flow, liquidity, and estate issues while they can still be negotiated
- During negotiation: side-by-side modeling of what each proposal produces over time
- After the decree: asset division, retitling, QDROs, and a clean handoff back to you
THE FINANCIAL ADVISOR PARTNERSHIP
Meet Jeremy
Jeremy is a dedicated financial advisor who had been guiding a long time client through retirement planning. When the client unexpectedly entered divorce, the financial pieces became far more complex. Jeremy knew his client needed specialized support beyond traditional planning, and he wanted to ensure nothing was overlooked. Unfortunately, it all too common for legal decisions to be made without the involvement of the advisor that put solutions and strategies into place, often leading to unanticipated consequences.
What we did
We partnered with Jeremy to analyze every account, pension, and investment affected by the divorce. We created clear settlement scenarios that showed long term income needs, tax impact, and how the division of assets would influence retirement security. We also prepared simple projections Jeremy could use in his ongoing planning once the divorce was finalized.
The result
With our support, Jeremy’s client moved through the divorce with clarity instead of confusion. Jeremy felt confident that the financial details were handled correctly, and he could continue guiding his client with a solid post divorce plan. The transition was smoother, and the client stayed anchored to long term goals.
When financial advisors and CDFAs collaborate, clients gain stability, planners gain clarity, and long term strategies stay intact even through major life changes.