Service 03 — Thornbury
Your Finances,
Reorganized for What's Next
After a divorce is finalized, the financial side deserves a proper fresh start. We help you separate, reorganize, and plan — with a follow-up session three months on to check how things are settling.
What This Delivers
A Clear, Organized Financial Picture for the Chapter Ahead
When a divorce is finalized, the legal chapter closes — but the financial reorganization is just beginning. Accounts need separating. Records need updating. Budgets need rebuilding around a new set of circumstances. And a plan for what comes next needs to take shape.
This service works through all of that with you — methodically, and at a pace that suits where you are. The result is an organized, forward-looking financial picture that reflects your life as it is now, not as it was. And three months on, we check in to see how things are going and address anything that's come up since.
Outcome
Accounts Properly Separated
Joint financial entanglements resolved — each account, record, and ownership detail updated to reflect your individual position.
Outcome
A Working Budget for Now
A realistic budget built around your current income and expenses — something you can actually use going forward.
Outcome
A Plan, Not Just a Snapshot
A forward-looking financial plan that gives the next phase of your life a concrete starting point.
Understanding the Challenge
The Paperwork Doesn't End When the Proceedings Do
After the legal process concludes, many people find themselves sitting with a financial situation that still reflects the marriage — joint accounts still open, beneficiary designations not updated, shared records not yet separated. The day-to-day financial structure that worked for two people needs to be rebuilt for one.
It's a practical task, but one that's easy to delay — especially when the preceding months have been demanding. The longer it sits unaddressed, the more complicated it tends to become. Getting it sorted early makes a meaningful difference to how settled the next chapter feels.
Lingering joint accounts
Bank accounts, credit lines, and investment accounts held jointly continue to create entanglement long after the divorce is finalized.
Outdated beneficiary records
Pensions, insurance policies, and retirement accounts often still name a former spouse until deliberately updated.
No current budget
A household budget structured around two incomes and shared expenses rarely transfers without adjustment to an independent financial position.
No clear financial plan
Without a forward-looking structure, it's difficult to know how the coming months and years will look — which makes every financial decision feel less certain.
Our Approach
Reorganization That Goes Beyond the Obvious
This service addresses the full breadth of post-divorce financial reorganization — not just the most visible items. We work through the separation of previously joint accounts, the updating of beneficiary and ownership records, the construction of a realistic personal budget, and the creation of a forward-looking financial plan.
Three months after the engagement concludes, we return for a follow-up session — to review how things have settled, answer questions that have come up, and adjust anything that needs revisiting.
Account Separation
Working through the separation of previously joint accounts — bank accounts, credit arrangements, and shared investment holdings — so each reflects your individual position.
Budget Construction
A new personal budget built around your current income, fixed commitments, and realistic spending — structured to be workable from day one.
Record Updates
Beneficiary designations, ownership records, and account registrations reviewed and updated across pensions, insurance, and other holdings.
Forward-Looking Financial Plan
A personal financial plan covering savings, obligations, and financial priorities — a practical roadmap for the period ahead.
Included: Three-Month Follow-Up
Every engagement includes a follow-up session approximately three months after the initial work is complete. This gives you the opportunity to review how the reorganization has bedded in, raise any questions that have emerged, and adjust the plan if circumstances have shifted.
Working Together
An Unhurried Process at Your Pace
Post-divorce reorganization isn't something that needs to be rushed. We move at a pace that suits you — working through each element methodically and making sure you understand what's been done and why at each stage.
Review of Your Current Position
We begin by mapping out where things stand — what accounts exist, what records need updating, what the current financial picture looks like — so the scope of the reorganization is clear from the outset.
Account and Record Separation
We work through the separation of joint accounts and the updating of records — guiding you through what needs to happen with each institution or provider.
Budget and Plan Development
We work with you to build a realistic personal budget and a forward-looking financial plan — structured around your current circumstances and near-term priorities.
Three-Month Follow-Up
Approximately three months after the engagement wraps up, we reconnect — to review progress, answer questions, and make any adjustments that have become relevant since.
Investment
Transparent Pricing for This Service
Post-Divorce Financial Reorganization
Complete financial reorganization plus a three-month follow-up session
$650
USD · One-Time
What's Included
Joint account separation guidance
New personal budget construction
Beneficiary record updates
Ownership record review and updates
Forward-looking personal financial plan
Three-month follow-up session
Review of progress and adjustments at follow-up
Confidential handling throughout
Payment arrangements are open for discussion at the initial consultation. Getting the practical side sorted before the work begins is straightforward — just ask.
Our Methodology
Methodical Work That Leaves Nothing Hanging
Post-divorce reorganization is most useful when it's thorough. A missed beneficiary update or an account not properly separated becomes a problem later — often at an inconvenient moment. Our approach works through the full picture, so what gets done, gets done properly.
Principle
Complete, Not Partial
Every element of the reorganization is addressed — accounts, records, budget, and plan. Nothing is left for another day.
Principle
Realistic, Not Aspirational
Budgets and plans are built around your actual circumstances — not an idealized version of them. Practical is what works.
Principle
Supported Over Time
The three-month follow-up is part of the service — not an add-on. How things settle over the first few months matters, and we're there to review it.
Typical Timeline
The initial reorganization work is typically completed within two to three weeks. The follow-up session takes place approximately three months after that — giving time for the changes to settle before we review together.
Our Commitment
We're With You Through the Reorganization and Beyond
If anything within the agreed scope isn't addressed properly, we revisit it — without additional charge. That's a straightforward commitment that applies throughout the engagement, including the follow-up.
Before any work begins, we offer an initial consultation at no cost. You can share the details of your situation, ask any questions, and understand exactly what the reorganization would involve — without any pressure or obligation to proceed.
Revision Without Extra Cost
Anything missed in scope on our side — addressed at no additional charge.
Follow-Up Included
A three-month check-in is part of the service — to review, answer questions, and adjust where needed.
No-Obligation Consultation
Understand the process before committing. No cost, no pressure.
Getting Started
When You're Ready to Put It in Order
Send a brief enquiry
Use the contact form to share a few words about where you are. No financial details needed — just a sense of what's still unresolved.
We respond within one business day
You'll hear back promptly with a short overview of how the reorganization would typically work for your situation.
Initial consultation at no charge
We review your current financial position together, map out what needs to be reorganized, and agree on the scope — before any work begins.
Reorganization begins
We work through each element at a pace that suits you — with regular check-ins so you know where things stand, and a formal follow-up session three months after we wrap up.
Not sure yet whether now is the right time? There's no urgency in how you approach us. Reaching out just opens a conversation — the timeline for the work is yours to set.
Post-Divorce Financial Reorganization — $650 USD
The Financial Side of the Next Chapter, Sorted
You've navigated the proceedings. Now it's time to set up the financial picture that actually reflects where you are — organized, forward-looking, and properly yours.
Explore Further
Other Services That May Be Relevant
Service 01
Divorce Financial Documentation
Preparation of personal financial statements, asset and liability inventories, and income verification — formatted for family court submission.
Service 02
Marital Asset & Liability Inventory
Detailed cataloging and valuation of marital assets and liabilities — a structured foundation for equitable distribution discussions.