Financial planning through divorce or separation

After dedicating years to taking care of your family and putting your dreams on the back burner, you now find yourself facing one of life’s toughest crossroads – divorce or separation.

Understandably, you feel lost, vulnerable and unsure of how to untangle the financial web you built with your spouse. Dividing assets, budgeting future expenses, managing debts – it all seems overwhelming.

You want to make the smartest choices possible to protect yourself and your kids.

But without guidance, you worry about making costly mistakes or being taken advantage of during settlement negotiations.

At Lume Wealth, we specialise in empowering you to take control of your finances with confidence before, during and after divorce.

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A weight lifted

No more losing sleep over money unknowns - you'll be equipped with knowledge and uncomplicated advice to make informed decisions.

A friendly face

Think of us as a sounding board for your questions and ideas, both money and life (because we know it's not always easy to talk about this stuff in your social circles).

A fresh start

With out team in your corner, you’ll feel hopeful about starting fresh and rebuilding your future on your own terms.

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We look into

  • Binding financial arrangements
  • Asset position pre and post divorce
  • Whether there are kids involved
  • Timing of asset sales
  • Entities or businesses that need to be wound up
  • Rebuilding the life you want

We become your educator, advocate and strategist during your separation, bringing clarity to complex situations and helping you make decisions from a position of knowledge and strength.

We work alongside your family lawyer and accountant to help you transition into your new independent life.

Regain your confidence and get excited about what's next

Create your roadmap

Life after divorce can feel like you're lost without a map. Let's change that. We'll analyze your unique situation to build a realistic, easy-to-follow budget - your financial roadmap guiding you through this transition. No more fumbling in the dark when it comes to spending and saving priorities. Our roadmap lights the way.

Get your fair share

You contributed to those assets too - don't leave money on the table. We'll provide valuation insight to ensure all property is divided equitably. With us as your navigator, you can feel confident settlement negotiations lead to the financial fresh start you deserve.

Be debt ready

Debt can weigh you down. But it doesn't have to drown you. We'll optimise repayment of joint debts and advise on managing credit independently. Lighten the load so you can move forward unburdened and empowered.

Grow your 'next' egg

Investing may seem intimidating, but doesn't have to be. We'll design a tailored portfolio with your needs and risk tolerance in mind - one that provides stable growth.Picture your money steadily working toward the future you envision.

Fund your future

Retirement may look different now. We'll strategize to get your plans back on track and help you make up for what was lost. You can still fund the retirement lifestyle you crave - it just may take a slightly altered path. We'll define that path.

Save more, pay less

You earned it - now keep more of it. We'll uncover every deduction and tax optimization strategy possible. You fought hard for this new life - max out what you get to keep so you can relish it.

Shield yourself

You and your loved ones deserve to feel secure. We'll ensure you have insurance solutions providing protection tailored specifically to your needs. No more worrying about being caught off guard - we've got you covered.

Shape their tomorrow

A new chapter for you means one for your kids too. We'll help you update estate plans so assets and intentions are handled as you wish when it's time. You get to rewrite their futures too by planning ahead today.

We collaborate with your accountant, solicitor and mortgage brokers so everyone is on the same page and helping you move forward.

Lume Wealth is a Brisbane financial advisor offering tailored financial guidance for individuals going through separation or divorce. We help you navigate property settlement, split super and investments, budgeting, and planning your optimal future financial life post-divorce. Our compassionate experts assist you in structuring finances to protect your interests and support your goals during this transition.

Whether you need negotiation coaching or ongoing advice, Lume Wealth develops comprehensive financial strategies so you can move forward with confidence.

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