Divorce can bring financial upheaval. You do not have to navigate it alone.
What You’ll Gain with Divorce Financial
Planning from HTG
Empowered
Decision-Making
Divorce
Expertise
An Ongoing
Partnership
Why Hire a Financial Planner During & After Divorce?
- Am I going to be okay financially?
- How do we divide assets fairly?
- Can I afford to stay in my home – or should I sell it?
- Do I need to change my estate plan or update beneficiaries?
- Will I still have health insurance?
- How much can I spend now and in the future?
- Do I need to go back to work?
- Should I create a trust?
With an HTG fiduciary,
you get:
- An advisor who understands the financial complexities of divorce
- A financial sounding board through every step of your transition
- A personalized, actively monitored long-term financial plan
- An ongoing partnership with your goals at the center of every decision
- Financial education to help you make informed & empowered decisions
- Collaboration with attorneys & mediators to support a smooth process
Divorce Financial Planning Services
Unlike divorce attorneys, who focus primarily on finalizing settlements, we prioritize long-term financial wellness. We provide expert financial advice through every step of the process – helping you make sound decisions now that will set you up for future success.
Financial affidavit support
Tax & estate
planning
Our Engagement Process
Free Introductory
Call
Collaborative
Planning
Ongoing
Relationship
When the ground shifts, we help you regain your footing.
It might feel like the rug has been pulled out from underneath you. We help you regain stability with a clear financial plan and guidance through each step.
What Our Clients Say
Reviews are based on unique experiences and may not be representative of all client experiences. No cash or non-cash compensation is provided to those leaving a review. Investing involves risk, including the possible loss of principal and fluctuation of value. Past performance is no guarantee of future results. Additional information about HTG Investment Advisors is available in its current disclosure documents, Form ADV, Form ADV Part 2A Brochure, and Client Relationship Summary report.
Financial Planning After Divorce Success Story
A steady sounding board when you need it most
Divorce can feel like you’re drowning in decisions. Our team is always just a phone call away – ready to answer your questions with empathy and unbiased advice.
Divorce Financial Planning FAQs
As a fee-only fiduciary, we do not receive commissions or fees from the sale of financial products. Our fees come exclusively from our clients, so you can count on us to be transparent and straightforward. All of our services, including financial planning, investment management, client meetings, performance reviews, portfolio reporting, tax reports, etc., are included in our fees, which are billed quarterly in arrears.
Our fees consist of a fixed fee of $3,000 per year plus an assets under management fee starting at 0.75% that declines at higher asset levels. While we don’t have strict minimums, our fees generally make sense for clients with at least $2 million in investable assets (excluding home equity and checking accounts).This allows us to provide the most value and makes the most financial sense for both parties.
As a fee-only fiduciary, we do not receive commissions or fees from the sale of financial products. Our fees come exclusively from our clients, so you can count on us to be transparent and straightforward. All of our services, including financial planning, investment management, client meetings, performance reviews, portfolio reporting, tax reports, etc., are included in our fees, which are billed quarterly in arrears.
Our fees consist of a fixed fee of $3,000 per year plus an assets under management fee starting at 0.75% that declines at higher asset levels. While we don’t have strict minimums, our fees generally make sense for clients with at least $2 million in investable assets (excluding home equity and checking accounts).This allows us to provide the most value and makes the most financial sense for both parties.
Attorneys are essential for legal agreements, but they are often focused on reaching a settlement. At HTG, we consider the entire picture, including taxes, long-term goals, and carrying out the financial aspects of the settlement. We also offer follow-through to ensure assets are actually divided and retitled as intended.
We assist at every stage. Before divorce, we help organize your finances and prepare for meetings with attorneys. During the process, we provide support for asset division discussions and financial affidavits. Afterward, we build a complete financial plan to support your new lifestyle and goals.
Yes. We help you determine whether keeping the home is financially feasible long-term. Sometimes, what feels emotionally right may not be financially sustainable. We will walk you through the decision making process.
- Not considering the tax implications of different asset types
- Failing to follow through on the actual division of assets
- Staying in the marital home without fully understanding the cost
- Not updating estate documents or beneficiaries
- Overspending, or extreme underspending due to fear
- Not understanding the option to take spouse’s Social Security
We help you avoid these missteps and make informed decisions for both the short and long term.
Yes. Our 30-minute introductory call is complimentary. It’s a chance to learn about your financial situation and share how we can help, without pressure or obligation.
Our services are offered as part of a comprehensive relationship. This allows us to provide coordinated investment management and planning support to give you the best long-term outcomes.
You’ll have regular check-ins, plus access to your advisory team as questions arise or life circumstances change.
Yes. In fact, our clients are geographically dispersed across the country; fewer than half reside in Connecticut. We are accessible via telephone and video conference and regularly schedule trips to regions outside the NY Metro area.
Fee-only indicates that we only receive fees from our clients. We do not receive compensation from the sale of any financial products, so our advice is always in your best interest, not influenced by commissions.
As fiduciaries we are legally and ethically bound to act in our clients’ best interests.
A knowledgeable financial advisor aims to protect you from financial mistakes that could jeopardize your long-term goals. As fee-only fiduciaries, HTG advisors always act in your best interest, giving unbiased expertise and guidance for your specific needs. We’ve been implementing proven strategies for our clients since 1993.
The HTG Difference
- Credentialed & Specialized – Our collective credentials are rare for a firm of our size. We have advisors with varied specialties, including a CDFA® Certificant, an advisor trained in the financial complexities of divorce.
- Collaborative – Our culture fosters a highly collegial and interactive environment, which ultimately leads us to find the best solutions for you.
- Multi-generational – Our advisors span generations. As your new life unfolds and needs evolve, we have the staff and collective resources to grow with you.
- Personalized and Responsive – Our low client-to-advisor ratio allows us to thoroughly understand your financial goals and unique circumstances, ensuring that you receive tailored, timely attention.