Rebuild your financial life after separation.
Asset splits, super splitting, child support, mortgage restructure and a long-term plan that works on one income. We sit alongside you during separation and divorce, calmly and without taking sides, so you walk out with a financial future that still holds together.
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What's happening
- You are considering, going through, or have recently finalised a separation or divorce.
- An asset and super split is on the table and you want to understand what it really means long term.
- The household will now run on one income and the old plan no longer fits.
- Child support, Centrelink and the family home all need to be worked through.
- Your will, beneficiaries and insurance may still reflect the former partnership.
What to think about before the settlement is signed.
- 01
Model the super split, do not guess it
A 50/50 super split can sound fair until you model retirement income with one party further from preservation. The right split is the one that produces a fair retirement, not the one that is easiest to explain.
- 02
The home is not just one asset
Keeping the house often locks one party into something they cannot service. Model the keep-versus-sell decision honestly, including future stamp duty and the capacity to refinance.
- 03
Do not forget insurance
Joint policies, employer cover that lapses, beneficiary nominations and cover that no longer fits are easily overlooked in the rush to settle. Review them while you can.
- 04
Centrelink and Family Tax Benefit shift
Family Tax Benefit, Parenting Payment, JobSeeker and child support all interact. A separated household often qualifies for support it did not before, so it is worth checking.
- 05
Refresh wills and estate documents
Wills, enduring powers of attorney and binding super beneficiaries usually still name the former partner. Most people forget until something forces the issue, so update them early.
- 06
Build a new long-term plan
The biggest mistake is treating the settlement as the end. It is the start. A new plan needs to be built around the household you actually have now.
How we help
Holistic financial planning
We model each proposed split out to ten years and work alongside your family lawyer, so the legal settlement reflects the real long-term outcome.
ExploreWealth management
We rebuild the long-term wealth, retirement and super plan around the household and assets you have post-separation.
ExploreBudgeting and cash flow
We set up a new household budget, mortgage strategy and savings plan that actually works on a single income.
ExploreQuestions we hear most often.
Have a question that is not here? Call 07 3399 2300 or book a consultation and we will answer it directly.
Do I need a financial adviser as well as a family lawyer?
Yes, they do different jobs. The lawyer handles the legal settlement and the adviser handles the long-term financial reality of that settlement. The two roles are complementary, and the best outcomes happen when both are involved.
What is the average split in a divorce settlement in Australia?
There is no standard split and no fixed formula. Outcomes such as 70/30 or 60/40 depend on each partner's contributions, future needs and the assets involved, including superannuation. Before you agree to any figure, we model what the proposed settlement means for your income, housing and retirement position.
How does super splitting work in a divorce?
Super can be split between former partners under a court order or binding agreement. The split is recognised by the super fund and treated separately for tax. The fair split rarely matches the asset-pool split, as it depends on age, preservation and earning capacity.
Should I keep the family home or sell it?
It depends on your serviceability, the long-term cost of rates, maintenance and refinancing, and whether keeping the home blocks you from rebuilding investments and super. We model both options so the decision is not purely emotional.
Will you take sides between us?
No. We represent the financial picture and work in the interest of the client who engaged us. We will not provide advice that is deceptive to the other party, and we will work openly with their adviser if they have one.
Walk into your next chapter with clarity.
Get a written separation plan covering cash flow, super, insurance, estate and the next decade, built around the household you have now.