Divorce Financial Planning · Kelowna, BC
The settlement closes. Then the silence comes. Now you’re building a financial life alone.
The first 90 days matter more than you realize. Most decisions can wait.
Do this first
If the settlement's already signed:
Move your share into an account in your own name, a secure, high-yield holding account, not an investment account yet.
Don't decide about the house yet. It's the most emotionally loaded asset in any divorce and the most financially dangerous one to keep on a single income without modelling it first.
Give yourself 90 days before redeploying anything. Every joint structure you relied on is gone; the replacement doesn't have to be built this week.
Haven't signed yet? The highest-leverage move is modelling the settlement's 20-year outcome before you sign, once it's signed, the terms are binding. Read about pre-settlement modelling →
Not ready to talk to anyone yet?
That's normal. Most people aren't, this early.
Georgia is my private intake specialist. Lay out your situation, ask what's actually urgent, and understand your options, before any human conversation, and before your name is attached to anything. Your data stays in Canada. Nothing is saved unless you choose to take a next step.
When you're ready, she'll point you to the right next step, a free Clarity Call with me, or straight to the Sovereignty Survey if you already know you want to move.
The Problem Nobody Names
The Post-Divorce Void Is Real. It Has a Name.
For a newly single person, The Noise disguises itself as urgency: the settlement's signed, the lawyers are gone, and every financial touchpoint you relied on has vanished at exactly the moment decisions matter most. Family lawyers are incentivized to close and mediators to settle; neither is paid to model whether the deal you're signing is sustainable over 20 years on one income. The family home is the single most emotionally loaded, financially dangerous asset to keep without that modelling. And pension division or RRSP rollovers under a separation agreement have specific tax treatments that, mishandled, create immediate and irreversible liabilities, the paperwork looks routine, but the consequences aren't.
Two Different Roles
Your Family Lawyer Got the Agreement Done. I Build What Comes After.
Your Lawyer's Job
Your family lawyer negotiates property division, support, and the separation agreement. Their engagement ends when it's signed, as it should.
My Job
I work where they finish: modelling the 20-year outcome of your settlement, restructuring accounts into your own name, building your Sovereignty Charter, and giving you a written plan for the first 90 days before any major decision. The planning and system design are one flat fee, so the advice stays about your life, not about how fast capital moves. Where implementation later involves products with built-in commissions or asset-based fees, those are disclosed separately, in advance.
“I had advisors calling within a week of the settlement. Everyone had a plan for my money. Nobody had a plan for me. Rolf was the first person who asked what I actually wanted my life to look like, before he said anything about investing.”
Client, Kelowna, BC
How this works
Immediately post-settlement
1. The Sovereignty Survey
We map your settlement and what it needs to become, and move your assets into your own name and into a secure, high-yield holding account while we do. You leave with a Stabilization Map, an Immediate Risk Scan, and a 30-Day Action Framework.
Months 3–12
2. The Virtual Family Office
We write your Sovereignty Charter: income plan, investment policy, debt strategy, single-income budget, and assemble your Personal Board of Directors, before a single dollar is deployed.
After the Charter
3. The Integration
You step into a financial identity that's entirely yours: quarterly reviews, a clear mandate, a plan built around your life, not a compromise built around two.
What Separating Spouses Ask Before They Ask Anyone Else
How is property divided in a divorce in BC?
The Family Law Act requires equal division of family property and debt from the marriage, with exceptions for excluded property like gifts or inheritances. Model it before signing, once signed, the terms are binding.
How are pensions divided in a BC divorce?
Pensions earned during the marriage are family property and subject to equal division, either through an immediate offset or pension splitting at source. The tax and income implications differ and should be modelled first.
What financial mistakes do people make in divorce?
Keeping the house without modelling single-income affordability, missing RRSP transfer tax implications, agreeing to spousal support without understanding its tax treatment, undervaluing pensions or business interests, and deciding permanent things under acute distress.
What happens to my financial identity after the divorce?
You were a financial partner. Now you're a financial sovereign. The shared structures are gone, and the new one has to be built around your own values and income, not a compromise.
Ready to go further
Most people start with a free Clarity Call, 15 minutes with me, no pitch. If you already know you're ready to move, you can start directly with the Sovereignty Survey, a structured process that culminates in a 90-minute working session, and leaves you with a Stabilization Map, an Immediate Risk Scan, and a 30-Day Action Framework.