The Money Smart
Divorce Solution

Financially Wise Separation Agreements

Separation and Divorce in Ontario


Prep and Planning Session

Making a Plan is everything! We first meet with you individually so that you can freely discuss your personal story and ask all of your questions in a safe and private environment.

We assess your overall situation and put a clear plan in place before you start spending money. We will initiate your financial plan, get you started gathering your documents and immediately put in place a credit protection plan. Before taking your next steps, we want to ensure that you understand the divorce process in Ontario. This includes understanding your rights, responsibilities and obligations and most importantly helping you to move forward with the correct negotiation process that is most applicable to you and your spouse.

Financial Analysis & Disclosure

Before anyone starts micro-dividing assets, let’s first gather all these individual financial pieces and take a step back to look at the big picture.

Do we have everything? Do we really know the proper values? It is so important to understand that not all assets are the same. Even assets of similar face value may have completely different cash values or tax implications and this requires smart financial analysis.

Disclosure is a process of instilling trust and reducing unnecessary concerns while empowering spouses to make wise money decisions. In Step 2, we gather and organize all this information so you can fly through the next steps without unnecessary delays.



The Negotiation Team

The Common Sense Divorce is proven to be faster and less expensive than going to court! The magic of the Common Sense Divorce is that we use the right professional for the right services. Financial Professionals to deal with the numbers, Mediators to negotiate the terms and Lawyers to draft the final Agreement.

The Common Sense Divorce has so many perks compared to the traditional legal process. It keeps a measure of control between you and your spouse, is proven to minimize negative impacts on children and encourages creative solutions. We are experts at problem solving, generating options and creating Separation  Agreements that are not only legal, but also binding and enforceable.

Financial Strategies

Dividing up your family’s hard-earned assets is more than just pulling out the scissors and cutting them in half. This is about making a financial plan that allows you to retire on schedule, ensuring that you can still qualify for a mortgage and making sure that Revenue Canada is not getting more than their due share.

The Common Sense Divorce is a Financial Plan! Our Divorce Financial Specialist will sit with you and give you financial wisdom, play out some financial scenarios and ensure that your Separation Agreement makes good money sense.

If you need any assistance with Mortgages, Realtors, Life Insurance, Wills and Estates, Tax Planning, we have the professionals that can assist you with that as well.



Legal Wisdom

When you and your partner have agreed to all of the issues that need to be dealt with, your negotiations are written into a legal contract called the Separation Agreement. It is important that your Separation Agreement is not only legally prepared in Ontario, but also legally enforceable and legally binding.  Part of the way this is accomplished is by making sure that each party receives independent legal advice (ILA).

Both you and your partner will each discuss with your own ILA lawyer, who will make sure that you understand what it is you are signing. They will give you a legal opinion on your Agreement and make sure that the final copy is drafted in a way that best reflects each of your intentions.

Uncontested Divorce Decree

One year after your date of separation and once all of the marriage’s parenting, financial, property, and support matters have been properly dealt with, then you can apply for an Uncontested Divorce.

This is the final step in the divorce process. After your Uncontested Divorce applications have been filed with the courts, you will be granted your Divorce Decree.



Every couple faces unique challenges.
Understand how separation will affect you,
your children, your finances and your future.



so you do anything...

Separation Analysis Report

Generate a Separation Analysis Report. Access a free suite of resources, tools, and apps on the Ontario Divorce Information Network.

From our Executive Director

Watch this short welcome message from from our Executive Director and CEO. We’re here to help create clarity in this confusing time.

Free Telephone Assessment

Our telephone Consultation will help you better understand your situation, clarify information & help you plan your next steps.

an Orientation & Planning Session

A one-on-one introductory Orientation & Planning Session to share your story, discuss your finances and prepare you for next steps