Divorce is one of the hardest transitions a person can face. It doesn’t just end a relationship—it unravels a shared life. The emotions are heavy, and the financial decisions that follow can feel just as overwhelming.
For some, this may be the first time managing money on their own. For others, it may mean rethinking how to protect what you’ve built and how to rebuild with strength after a major life change. Questions about the house, retirement accounts, investments, taxes, health insurance, and the kids’ future pile up fast. And every decision carries weight—not just for today, but for the decades ahead.
At Century Management, we are your advocate. We are your fiduciary. And we believe clarity, confidence, and guidance are the best antidotes to fear. Our role is to help you see the full picture, protect your interests, and chart a course forward. You don’t have to navigate this alone.
Frequent Pitfalls We Help Clients Avoid:
- Walking into the process without a clear picture of your net worth
- Losing track of individual and joint bank, investment, or retirement accounts.
- Overlooking debts that remain a shared responsibility even after divorce.
- Holding onto assets—like the family home—that you can’t afford long-term.
- Forgetting that taxes, ongoing maintenance and operating costs, and eventual selling expenses can shrink the real value of what you keep.
- Underestimating how a divorce settlement can reshape your long-term retirement plan and wealth-building goals.
- Finalizing a divorce settlement before running the numbers with a fiduciary financial advisor who understands divorce financial planning.
Any one of these can derail your financial future. Together, they can create lasting financial setbacks. Our job is to help you avoid them.
The Family Home
For many families, the home is more than just real estate—it’s memories, identity, and stability. But in divorce, it’s also a financial fork in the road.
➤ Selling the home: What’s left after paying off the mortgage, taxes, and fees? Will the proceeds give you the flexibility you need?
➤ Keeping the home: Can your new income support the mortgage, insurance, and upkeep? If refinancing is needed, will you qualify alone?
We help you weigh these decisions with both the heart and the numbers in mind—whether that means protecting stability for your family or helping to ensure you’re not carrying a financial burden that limits your future.
Retirement and Investments
Dividing assets in divorce often means splitting retirement accounts and investments—but not all assets are created equal.
➤ Retirement accounts: $100,000 in a Roth IRA is worth more than $100,000 in a traditional IRA because of taxes. Dividing workplace retirement plans like 401(k)s or pensions requires a Qualified Domestic Relations Order (QDRO)—a court order that ensures the split is handled correctly. Splitting IRAs typically requires a “transfer incident to divorce” form, along with a copy of the divorce decree.
➤ Investments: It’s not just the balance that matters, but the cost basis, taxes, and future growth potential. Two accounts with the same dollar value can leave you with very different after-tax outcomes.
We help you evaluate the true value of what you’re keeping, so you’re not surprised later.
Insurance and Healthcare
Insurance is often overlooked in the chaos of divorce, but it’s essential.
- Health Insurance: If you were on your spouse’s plan, COBRA or marketplace coverage may bridge the gap.
- Life and Disability Insurance: If you’re relying on child support or alimony, payments need to be protected.
Making sure you and your children are covered isn’t optional, it’s foundational.
Protecting the Kids
Children are often at the center of divorce financial planning. From braces to college tuition, their needs create questions that go well beyond child support.
- Who pays for health insurance and major expenses?
- How are 529 college savings plans divided and managed?
- What agreements can reduce conflict later and give your kids stability?
We help you think ahead, so your children’s future isn’t left to chance. 
Here’s how we help:
- Build a clear inventory of assets, debts, income, and expenses.
- Analyze divorce settlement options and show their long-term impact.
- Help you establish your own financial accounts and cash flow plan.
- Divide retirement accounts and investments with tax-awareness (401(k), pension, IRA, Roth IRA, annuity—often via a QDRO).
- Guide decisions around keeping or selling the family home.
- Protect alimony and child support through proper insurance.
- Rebuild a financial strategy that aligns with your new life goals.
At Century Management, guiding you forward means more than crunching numbers. It means bringing strategic, thoughtful, and personalized divorce financial planning to one of life’s hardest transitions—so whether you’re protecting what you’ve built or starting fresh, you can move forward with strength and confidence, knowing you don’t have to face this alone.