Someone you trust gave you our name
Start here.
This is what we do, what it costs, and what happens if you call. Nothing on this page asks you to decide anything today.
A note from me
I am Bob Mitton, a Certified Divorce Financial Analyst. I do one narrow thing: I make the money side of a divorce make sense to the person living through it.
I am not your attorney, and I am not trying to manage your investments. I am the person who can tell you what a settlement offer actually does to your life in year ten, while there is still time to do something about it.
If you are reading this, someone thought that would help. The only way to find out is a conversation, and that part is free.
The mistake we see most often
Almost every settlement that fails does so on timing, not on the total.
Two piles of assets can look equal on paper and behave completely differently over ten years. A house carries costs. A retirement account carries taxes and a date before which you cannot touch it. Support has an end. When those clocks are not lined up, a settlement that looked generous the day it was signed quietly stops working in year eight, and by then it usually cannot be changed.
That is the thing worth checking before you agree to anything, and it is very hard to see from inside the process while you are living it.
What happens if you call
- 1
A conversation, about twenty minutes
You tell us what is happening. No documents to gather first, no cost, and nothing you have to decide at the end of it.
- 2
We tell you honestly whether we can help
Sometimes the answer is that your situation does not need us, and we would rather say so than take the engagement. That happens more often than you might expect.
- 3
If we can help, you get a scope and a number
Before you commit to anything. You will not get a surprise invoice from us.
- 4
Then the work
We build the financial picture, model what each option actually does to your life over time, and give you something you can understand and hold in front of you, whether that is in a mediation, across a table, or on your own before you answer.
What this costs
Every matter is different, so we do not put a single price on a page and pretend it fits everyone. What we will do is tell you the number before you agree to anything, and tell you plainly if we think the work is not worth it for your situation.
The first conversation costs nothing, and it is not a sales call. If it turns out you do not need us, that is a perfectly good outcome and we will say so.
Before you hire anyone
Whoever you end up working with, the questions you ask at the start change what the whole process costs you. We wrote these down so you can use them with any attorney, including ones we have never met. If you are handling this yourself, they are still the questions worth having answers to.
16 questions to ask before you hire your attorneyQuestions people ask us
- Do I need this if I already have a good attorney?
- They are different jobs. Your attorney handles the law and the negotiation. We handle what the numbers underneath actually do over time: taxes, liquidity, what a settlement looks like in year ten. Good attorneys are usually the ones who ask for this, because it makes their negotiation stronger.
- What if I do not have an attorney?
- That is common and it is not a problem. Some of the people we work with are handling their divorce themselves. Others have not hired anyone yet, or plan to bring someone in only at the end. The financial work is the same either way, and none of it depends on you having retained counsel first. We are not a substitute for legal advice, and if you reach a point where you need it, we will tell you plainly.
- Are you trying to take over my investments?
- No. We do not manage money and we are not looking to. If you already work with a financial advisor, our job is to hand you back to them with a clean starting point rather than to replace them.
- Can you work with both of us?
- Yes, in the right circumstances. We can work as a financial advocate for one person, or as a neutral helping both sides understand what is being decided. Which role applies is agreed at the start and does not change partway through.
- When is the best time to bring you in?
- Earlier than most people do. The structure of a settlement is movable while it is being negotiated and effectively permanent afterwards, so the value is highest before anything is agreed.
- Do you give legal or tax advice?
- No. Tidal Pointe Advisors is not a law firm or an accounting firm. If you have an attorney or a CPA, we work alongside them rather than in place of either. If you do not, we still do not fill those roles, and we will say so when something calls for one.
When you are ready
A short conversation, at no cost, with no obligation at the end of it. If now is not the right time, the page will still be here.
Book a conversationOr call (843) 919-0199.