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

Financial guidance for where you're at

Separation rarely follows a neat path. Whether you’re weighing up your options, working through settlement, or ready to move forward, we help bring structure to the decisions ahead.

Wherever you are in the process, we can meet you there.

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Finding your footing

When you’re still working out what comes next, we help clarify your position, identify what information matters, and make sense of the financial decisions in front of you.

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Working through settlement

This is where we’re most often brought in to help. We can model different settlement options, explain the trade-offs, and work alongside your solicitor so the numbers support the decisions being made.

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Confidence after settlement

With the details agreed, we help turn the outcome into a clear financial plan. We review and organise your situation to reflect where you are now, your goals, and what you want life to look like moving forward.

Step 1: Book a chat

Create your roadmap

Life after divorce can feel like you're lost without a map. Let's change that. We'll analyse 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, so 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 it 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 strategise 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 optimisation 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.

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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 adviser 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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Have questions?

We have the answers! If you don't find what you need here, you can always get in touch, we'd be happy to assist.

Divorce and separation

Is it ever too early to speak with a financial adviser during a separation?

No; the earlier the better. Getting advice before property settlement can make a significant difference to the outcome. We can work alongside your solicitor and help you understand the financial implications of different settlement options before you agree to anything.

Do you only work with one party in a divorce?

Yes, we act for one party only to ensure our advice is fully in your interests. If needed, we can refer the other party to another adviser.

What financial issues do you help with during a divorce?

We help with property splits, superannuation splitting, budgeting for your new financial life, insurance restructuring, and building a long-term financial plan post-settlement.

I’ve never really managed the finances in our relationship. Can you help me understand where I stand?

Absolutely. Many clients come to us having had a partner handle most of the financial decisions. We’ll walk you through everything clearly and without jargon, so you feel informed and confident, not overwhelmed.

How can a financial adviser help me during a divorce? I thought I just needed a lawyer.

Your lawyer handles the legal process; we handle the financial strategy within it. We help you understand the true value of assets, model different settlement scenarios, advise on superannuation splitting, and make sure you’re negotiating from a position of knowledge rather than guesswork. The two roles work best together.

What’s a binding financial agreement and do I need one?

A binding financial agreement is a legal document that sets out how assets will be divided. Whether you need one depends on your circumstances and what’s been agreed. We work alongside your family lawyer and can help you understand the financial implications before anything is signed.

My spouse controlled our finances. How do I know if I’m getting a fair deal in the settlement?

This is one of the most important reasons to get independent financial advice early. We can help you understand the full asset pool, including assets that might be easy to overlook or undervalue, so you go into negotiations with a complete picture.

Will I be financially okay as a single person? I’m scared I won’t be able to manage on my own.

This fear is very common, and in our experience it’s rarely as daunting as it feels at the start. We’ll build you a realistic budget and financial plan for your new life, so you can see clearly what’s possible and what steps to take.

What happens to our superannuation when we divorce?

Super is treated as a marital asset and can be split as part of settlement. The rules around how this works are specific and worth understanding before you agree to anything. We can explain your options and the long-term implications of different approaches.

I’ve just come out of a settlement and have a lump sum to manage. Where do I start?

Start with us. Post-settlement is an important moment to get the foundations right, whether that means investing the proceeds wisely, restructuring insurance, or planning for retirement on a single income. We’ll help you build a plan that sets you up well for the next chapter.