top of page
  • Writer's pictureKeren-Jo Thomas

Financial planning before, during, and after divorce

In this post we’ll be discussing the importance of working with a financial planner (like me!) before, during and after the divorce process, and how this can add massive value, not unnecessary cost, to your journey. 

Don’t let divorce disempower you

In a world where nearly half of all marriages end in divorce, maintaining financial autonomy is not just a choice, it's a necessity. So, let’s unravel the crucial role that financial planning plays at every stage of your relationship, especially through the lens of divorce. 


Preserve your financial independence

The first and most vital step in any relationship is never to relinquish your financial independence. When you understand that a significant number of marriages may not last (sad but true), it's important to be prepared. Believe me this isn't about being pessimistic; it's about being practical. By staying informed and involved in your financial affairs, you ensure you’re never at a disadvantage, regardless of how your relationship goes.


Addressing the gender financial gap

It's no secret that women face unique financial challenges, especially when it comes to raising a family. These challenges often manifest in reduced savings, pension contributions, and investment opportunities. Acknowledging this is the first step towards ensuring steps are taken to mitigate its impact on your financial well-being.


It's never too late (or too early) for financial planning

No matter your age or stage in life, it's never too late (or too early) to take control of your finances. Whether you're contemplating marriage, navigating a divorce, or rebuilding post-divorce, now is the time to start planning for the future you desire. In our financial planning sessions, we create a solid plan that ensures you have financial clarity, long-term security, and the ability to truly thrive in a life you love.


Collaborate with experts for optimal outcomes

Working closely with a financial planner can significantly enhance a positive financial outcome during and after a divorce. Here's how:


• Financial Clarity: Understanding the full picture of your finances is crucial. Together we'll create a detailed analysis of your assets, investments, and overall financial health, ensuring you're well-informed and prepared.

• Strategic Planning: Tailored financial plans are essential. By setting short, medium, and long-term goals and creating effective budgets, we’ll lay the groundwork for your future financial stability.

• Guided Asset Division: Divorce often involves complex asset division. We can navigate these complexities together, and I’ll advocate on your behalf for a fair distribution that aligns with your financial goals and the life you want to create.

• Tax Optimisation: Minimising tax burdens through informed decisions can save you significant amounts in the long run.

• Future-Proofing Your Finances: Out the other side of divorce, your financial future needs to be secured through strategic planning, including pensions and savvy investments that continue to grow your wealth.

Here’s a great divorce resource specifically for those living in Switzerland:



And here are some additional bits and pieces to support and inspire you on your divorce journey:


Do you understand how the Marital Property Regime works?

When you’re going through a divorce, there will be a separation of assets that needs to be resolved. In Switzerland this is call the Marital Property Regime, and it’s important that you understand how it works. 

In short, the regime can only be one of the following:

A) Participation in Acquired Property (Errungenschaftsbeteiligung): If no marital agreement is in place, the 'participation in acquired property' regime automatically applies. In summary:

• Each spouse retains ownership of assets acquired before marriage, as well as gifts or inherited assets during the marriage (referred to as 'own property').

• Both spouses independently manage assets accumulated during the marriage ('acquired property'), such as salary or bank interest.

• In the event of divorce, the 'acquired property' is divided equally between the ex-spouses. 



B) Separation of Property (Gütertrennung): If the couple opts to keep their property separate, a marital agreement is required. This agreement, typically in the form of a public deed, must be prepared by a notary. In this scenario, no assets are pooled, eliminating the need for division in case of separation/divorce.

It’s crucial that we determine which of these applies to you so we can assess the situation accurately.

If no contract for b) has been signed, a) automatically applies. If an agreement under b) exists, the date of the agreement becomes relevant.


This is something I work through with my clients, so feel assured that you’ll be supported every step of the way.

I hope I’ve helped you see that working with a financial planner really isn’t just an additional expense; it’s a strategic investment in your future. 


As well as helping you with immediate financial savings, our work together also supports your long-term financial security and autonomy and supports you as you create the life you truly desire. My ultimate goal is to help you emerge from divorce not just unscathed, but financially empowered.

Before I go, I just want to remind you that if you’re currently experiencing a challenging life or financial situation, you can and will get through this. When women come together in support of each other's hopes and dreams, amazing things happen, and I’m here for you every step of the way. 

If you’re an existing client, I’ll be in touch to arrange a call to support you with setting your financial goals – I’m excited to speak with you!

6 views0 comments

Recent Posts

See All


bottom of page