Divorce Financial Planning

Helping you move forward with confidence, clarity and control

What is Divorce Financial Planning?

Divorce isn’t just the end of a relationship: it’s the unravelling of a shared financial life.

Assets, liabilities, income streams and future goals that were once “ours” must now become “mine” and “yours.” It’s complex, emotional, and often overwhelming.

Divorce financial planning is about protecting your future, not just surviving the present. 

At Centurion Private Wealth, we help you take control of your finances so you can make calm, informed decisions during one of life’s most disruptive transitions.

The Financial Impact of Divorce

Divorce is one of the most financially destabilising events in a person’s life. It often leads to:

  • Split or reduced assets: property, superannuation, investments, or even business interests.

  • Cash flow uncertainty: changing income, increased expenses, new obligations (child support, rent, legal fees).

  • Lifestyle adjustments: maintaining independence while preserving your quality of life.

  • Complex asset restructuring: trusts, companies and family wealth needing to be reorganised.

Without a structured plan, short-term decisions can create long-term financial damage.

Common Mistakes People Make During Divorce

  • Letting emotions drive financial choices: anger or fear can lead to costly regrets.

  • Underestimating future needs: many divide what’s visible now, without considering life in 5, 10 or 20 years.

  • Overlooking tax, superannuation or valuations: not all assets are equal once tax is considered.

  • Going it alone: friends, family and lawyers provide support, but a specialised divorce financial adviser adds clarity and strategy.

Why Divorce Planning Matters

Your financial future doesn’t end with divorce: it begins there.

A clear plan can help you:

  • Rebuild financial independence

  • Secure your retirement strategy

  • Provide stability for your children and lifestyle

  • Structure settlements that are practical and equitable

  • Protect and grow long-term wealth opportunities

It’s not just about dividing the past. It’s about designing your future.

What we help with

At Centurion Private Wealth, we provide expert divorce financial advice with empathy, precision and discretion. We assist with:

  • Superannuation and investment division

  • Asset structuring and tax planning

  • Long-term financial modelling and lifestyle planning

  • Business and trust valuations

  • Cash flow and debt management

  • Rebuilding your wealth strategy post-settlement

  • Coordination with lawyers, accountants and mediators

    We act as your financial advocate so you can focus on what matters most.

The Centurion Approach

Understanding Your Holistic Financial Situation
We start by mapping your complete wealth picture — assets, liabilities, income streams, and obligations — so we can see exactly how your inheritance fits into, and reshapes, the bigger picture.

Planning for Tax Optimisation and Asset Structuring
From capital gains to cross-jurisdictional issues, we identify the potential pitfalls early. Then we design the right ownership structures and tax strategies to maximise the opportunity while keeping more of what’s yours.

Cash Flow and Lifestyle Planning
We align the use of your inheritance with the life you want to live — now and in the future. That means making sure the flow of capital supports your lifestyle goals without jeopardising your long-term security.

Implementation and Ongoing Stewardship
We execute the plan with precision — coordinating legal, accounting, and investment decisions — and then continue to refine your strategy as your needs, markets, and laws evolve.

FAQs about divorce financial planning

  • Ideally before negotiations begin. The earlier we’re involved, the more options you have to protect what’s important.

  • Super can be divided through a binding financial agreement or court order. Proper valuation and planning ensure fairness and security.

  • It depends on cash flow, debt levels and your long-term strategy. Sometimes the asset that feels safe can become a financial burden.

Centurion Private Wealth provides expert guidance in divorce financial planning: helping you make confident, informed decisions on asset division, superannuation, cash flow and long-term planning.

Book a confidential consultation today and take control of your financial future.