Income and withdrawals
Map spending, cash flow and retirement withdrawals for one household.
SBC Divorce Planning Education
Find out in about 2 minutes where your money stands before a divorce.
A short quiz shows where your finances stand today, in about 2 minutes.
Get my Divorce Financial Readiness ScoreEducation, not adviceThe quiz takes about 2 minutes
The math
If one household spends $6,000 a month and splits into two homes at $3,500 each, the total is $7,000 a month, which is $1,000 more.
Example only; your numbers will differ.
What changes first
See which money questions change when one household becomes two.
- One household becomes two, and the numbers start to feel unfamiliar.
- Accounts with the same balance may not have the same after-tax value.
- Retirement, coverage and everyday decisions all seem connected.
You do not have to sort this out alone.
Get my Divorce Financial Readiness ScoreA place to start
Spot the money questions you need to answer first.
I am unsure what income will look like across two households.
I need to understand the after-tax division of retirement accounts and pensions.
Health insurance, Medicare or ACA coverage may change.
Beneficiary and estate documents still reflect an old plan.
Plan your money around your children, security and next chapter.
Make room for your children, your personal security and the next chapter you want to build.
Get my Divorce Financial Readiness ScoreA simple path forward
Go from quiz to a clear starting point in three steps.
Take the quiz
Answer a few questions to identify financial topics to consider.
See your starting point
Review educational results shaped around your answers.
Book a 15-minute call with financial advisors
An optional calendar is offered after eligible completed quiz results.
The call is optional and follows the quiz and review flow. It is an introductory conversation, not individualized legal, tax or investment advice.
Get my Divorce Financial Readiness ScoreFinancial topics
Get plain answers on income, housing, retirement and coverage.
Housing and liquidity
Consider the ongoing costs and available cash behind housing choices.
Retirement accounts and pensions
Understand how account type and plan rules shape next steps.
Insurance and health coverage
Keep coverage dates, costs and enrollment questions in view.
After-tax assets and beneficiaries
Compare what assets may mean after tax, then review records and designations.
Imagine what comes next
Know which financial questions to raise before you decide.
See the questions that may deserve attention, then take the next step at your own pace.
Get my Divorce Financial Readiness ScoreWant to talk it through?
An optional 15-minute call with financial advisors may be offered after you complete the quiz and review your results.
See 15-minute call optionsQuestions, answered
Know what the quiz does and does not do.
It helps identify financial planning topics to discuss. Your results are educational and do not recommend a settlement or make legal conclusions.
Learn more about the planning context
Financial planning before, during and after
Investable financial assets include brokerage accounts, IRAs, 401(k)s and cash equivalents. Home equity and business interests are separate planning considerations, not included in this audience indicator. Post-settlement investable assets may differ from today's household total. No detailed balances or records are requested here.
Compare after-tax settlement scenarios, sustainable single-household income, investment risk and retirement choices. Court and legal-aid references support legal coordination; they are not the purpose of a financial review.
01
Understand the financial starting point
Separate investable assets from home equity and business interests. Identify brokerage basis, retirement account types, liquidity needs and single-household spending.
02
Compare after-tax scenarios
Evaluate brokerage, traditional IRA, Roth and housing tradeoffs alongside investment concentration, coverage transitions and pension survivor choices. Keep settlement decisions with your attorney and the court.
03
Rebuild retirement and legacy
Plan sustainable single-household income, withdrawals and investment allocation. Coordinate Social Security, insurance and beneficiary updates with the appropriate professionals.
Local context, with clear boundaries
Start with assets, income and retirement in each state or city. Court self-help, legal aid and tax-agency links support legal coordination and source checking; they do not replace the financial plan. No local SBC services are claimed.
Neutral and educational
Written for anyone in the household. Legal questions remain with attorneys and courts.
Claims connected to sources
392 public sources are listed in the registry, with the date each was last checked.
Open the source registry