Chartered Financial Divorce Specialists

Helping People Make Successful Financial Life Transitions

Financial Clarity for Divorce

Demystified facts and clear numbers to make informed financial decisions during separation.

Practical financial projections and step-by-step support tailored to Canadian tax rules.

Find a specialist to see your options and protect your financial future.

A 50/50 split does not always equal 50/50

Worst cases have left some bankrupt.

What do your after-tax financial projections show?

Who needs to understand this:

Are you thinking of:

Marriage

Separation

Moving in / Co-habitation

Divorce ?

Accredited Financial Professionals without the Canadian designation?

Accountants

Financial Planners

Eligible for the training?

Are you a professional who would work with CFDS designates?

Lawyers

Psychologist / Counsellor

Financial Advisors

What we offer:

The Canadian Designation for Accredited Financial Professionals:

Chartered Financial Divorce Specialist

Detailed analysis of shared assets, retirement and pension review, cash-flow projections for two households, and negotiation-ready financial scenario analysis tailored to Canadian rules provincially.

Financial Divorce Process

1. Meet Financial Neutral,

Gather Information

Define and document the terms of the relationship.

Identify your goals and obtain your essential financial data.

Share goals & concerns.

Clarify Information to Gather

Customized checklists assist clients

to provide the necessary documents.

Verification of accurate facts must take

place as clients are not always familiar

with managing the financial details.

Even those clients who are experienced

with financial data are not aware of

the nuances when it comes to asset

division and sharing income during

separation or divorce.

*the same reason accountants, financial planners, & financial 'advisors' train / require a CFDS designation to do this work.

2. Prepare Projections

Evaluate and analyze your situation based on the information you have provided.

Prepare Multiple Projections.

Creating financial reports

which show the potential outcomes.

Chartered Financial Divorce Specialists

- Chart assets, liabilities, incomes, and tax implications to reveal realistic scenarios tailored to your goals and concerns.

- Build cash-flow models, pension analysis, and division strategies so you can compare secure options with real cost projections.

- Prepare clear reports for negotiations and consideration, developing creative options to protect your long-term financial well being.

3. Present Scenarios

Present the financial reports showing the potential outcome, for consideration.

Clients assess which scenarios allow them to achieve their goals, address their concerns and provide options to build they future they want and identify what they cannot do.

Scenarios are typically used toward negotiations for a mutual agreement.

If needed:

communicate and meet with any third party of your choice (lawyer, mediator, etc.) to go over and explain scenarios.

Revise and Finalize or model new scenarios as necessary.

Why Work With a CFDS

Focused financial projections reduce uncertainty, improve tax situations, identify potential unforeseen bankruptcies, shorten negotiation cycles, and identify solutions that protect retirement and household cash flow for both parties.

Clear scenarios each with projections
Pension expertise
Tax expertise
Real Estate implications
Negotiation-ready reports
Calm, evidence-based pros & cons
Specialized terminology and legal processes
Risk management
Cash flow
Complex asset division
Tax consequences
Jurisdiction specific across Canada

*All CFDS professionals have a mandatory prerequisite financial designation

As true neutrals,

we are able to identify the impact of major financial life choices

at a challenging point in people’s lives

projecting into the future to empower clients who are then

able to better understand their monetary situation.

Feedback:

Lawyers:

Misha Leslie, Family Lawyer

"an asset to any family law process that involves finances"

Catherine Koutsogiannopoulos, Lawyer

Clients:

"I wish I had known about "The Financial Divorce Specialist" at the beginning of my divorce proceedings, my out come may have been very different.

I would highly recommend Wendy and her team to anyone."

S. Williams

"After a long drawn out and expensive lawyer engagement, we went to Wendy to mediate and finally got a (what we felt was) FAIR agreement that worked for us. Less back and forth BS."

Paul

"Very positive and up front. Unbiased and offers true value to moving forward in an equitable way for both parties"

Nancy, Vancouver Island

"It enabled me to be fully empowered and financially well informed."

Delene Bosch

"It was absolutely excellent working with Joyce. She is highly professional, this is clearly her area of expertise and something she is passionate about. I highly recommend her to anyone needing assistance organizing their finances, future projecting, and more, in the event of separation/divorce.

As a busy mom of triplets, I quite appreciated being able to work with her via emails and Zoom meetings."

Jennifer Purdy

Chartered Professional Accountants:

Ida Colby, CPA, CA

Colby Steckly Chartered Professional Accountants

Credentials & Experience

Chartered Financial Divorce Specialist designated professionals have focused on providing help as financial neutrals to family lawyers and their clients in Canada since bringing this niche discipline to the country. With 30+ years helping separating clients. Certified in financial analysis, pension division modelling, and tax impacts to build realistic projections.

The Academy of Financial Divorce Specialists introduced and developed the Canadian designation to meet the need for accredited financial neutrals in divorce across Canada.

The sole provider of financial divorce specialist training in Canada.

Introduced to Canada in 1997
100% Canadian organization & content
Developed 100% Canadian course content
The Academy of Financial Divorce Specialists (AFDS) founded in Oct. 2003
CFDS designation created in response to request from Law Societies
Provides the Canadian designation for financial divorce practice