Gail is Canada’s no-nonsense, money expert. She is a is a best-selling financial author making the list of the 150 bestselling Canadian books of the past 10 years. For more than 20 years you have witnessed Gail's trademark straight-up money wisdom, both on Radio and Television, most notably as host of TVs "Til Debt Do Us Part."
BEFORE YOU DO ANYTHING. Before you leave the home. Before you spend thousands of dollars retaining a lawyer. Before you sign a home-made Agreement. Maybe even before you make your decision to separate. Find out your legal options. Find out what’s involved. Find out potential complications. Find out how much this is really going to cost. BEFORE YOU DO ANYTHING MAKE A PLAN!
Everything within you screams, “I’ll see you in court!” Friends and relatives are wanting you to ‘lawyer up!’ Don’t let emotions drive you into an expensive and emotional Court process. Do not let anyone fool you, court means tens of thousands of dollars and 1-4 years of emotional drama! Mediation is completed in a matter of weeks. There are options… lots and lots of options!
Yes you need a Separation Agreement… and you need a real one! Skimping on the actual agreement is probably the stupidest mistake people make when separating. Preparing, a real, legal, binding and enforceable Separation Agreement is the proverbial, “ounce of prevention that is worth a pound of cure.” This is likely to be the most important document you will ever sign. Do it right. Create it properly from the beginning!
You’re on your own now. Understanding your money, knowing how it works and the tax & investment implications involved is vital to your financial future. Divorce is typically less about the legalities and more about the money! The secret in our sauce is our Divorce Financial Analysts that work with your mediation team to help you make smart, savvy financial decisions.
Lawyers are an invaluable professional tool, but also the most expensive. Understand how other divorce professionals, such as Mediators, Divorce Financial Specialists, and Counselors can work together with a lawyer to save you money and make your separation easier. Do it right but stay within a budget!
Number one rule… dont hurt the kids! Separating without a plan is a recipe for hurting your kids, hurting your pocketbook and hurting your future. Emotional Drama = money! Let’s be honest, divorce is tough, but a good plan, a good team and a good process makes separation a whole lot easier!
Warm, personable and empathetic.
With a background in Social Work, Mary-Ann is a mediation marvel and dispute resolution industry leader. She is recognized as one of the best family mediators in the province on Ontario.
CDFA - Financial Planner
Smart, genuine and kind.
A certified divorce financial analyst (CDFA) and financial planner, Dina worked for years as a legal law assistant. Our clients tell us that her warmth, empathy and charm make her one of our most loved Team members.
Client Care Coodinator
Kind, patient and money savvy!
Sharon guides all our clients through their CSD Journey. She gets them organized, lends a supportive ear through the tough stuff, and gets them through to the end.
"Let me give you some big brother advice..."
A financial broker by trade, Darren was trained in dispute resolution and brings over 20 years of practical wisdom and heartloads of empathetic leadership to The Common Sense Divorce Team.
Director of Client Care
Kind, patient and money savvy!
Ken has been with The Common Sense Divorce since its beginnings almost 10 years ago. Ken and his Client Care team work with all our clients to set them up for success as they navigate their negotiations.
Board of Directors
Leadership and vision.
A business executive and Professor of Business, Doris was our very first client! YEP she now sits on our Board of Directors and brings her vision, clarity and leadership to our team.
Let's not pretend... to do your separation properly is going to cost you some money. Probably more than your wedding dress and likely closer to the cost of a vacation. But get your head wrapped around this...if it's not done properly, it's going to cost you more and a lot more for many more years to come. Rule of thumb, the more lawyers are involved, the more the price of your divorce will go up. Throw in a judge and and a court room and you can guarantee that your divorce costs will be well over $10,000 minimum. Always be aware that the average price of litigated divorces in Ontario is $16,900... per person. Of course there is a place for litigation...but there are more cost effective options, namely mediation and collaboration. Just like anything else, you can budget what your divorce is going to cost. While there is no steadfast rule and no one has a crystal ball to see into your future. Use this simple guide to give you some perspective. The cost of your divorce is going to be a combination of the following factors:
Tens of thousands of divorcing people make stupid, expensive mistakes every year.
Make wise legal decisions, be financially savvy, and money smart.
“Divorce can be a painful process considering the emotions involved. Common Sense Divorce can definitely simplify the journey of this life-changing event. The Team certainly held my hand through the entire process and helped ease my anxiety in numerous occasions; making me believe that there is light after darkness … which is where I am right now. Thank you Common Sense Divorce for staying by my side in the dark, and for seeing me through in finding the light! Is is after all just that in the end – Common Sense.
If you are just contemplating separation
If your separation is imminent
If you have just separated
legal and financial options
by creating a Plan
Understand how Common Sense can help you create a new financial future.
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