Settlement-minded guidance grounded in analysis, discretion, and care.
Rooted Financial Guidance for a Thoughtful Divorce
Navigate your divorce with informed support and a steady financial foundation, guided by a trusted professional throughout the process.
Private, Out-of-Court Guidance
A Deliberate Way Forward
Divorce brings a series of significant financial decisions, often at a time when emotions and uncertainty are high. For individuals and couples with complex financial lives, these decisions deserve careful consideration, not rushed conclusions or unnecessary conflict.
Bloom Divorce Advisory Services provides financial guidance designed to support informed decision-making within a private, settlement-minded process. Our role is to help clients understand their financial landscape, evaluate options deliberately, and move forward with a foundation that supports long-term financial and family stability.
Our approach reflects how we think about divorce, financial decision-making, and long-term stability. Learn more about the principles that guide our work and how we collaborate with individuals and couples to bring structure, insight, and discretion to the financial side of divorce.
Two Starting Points. A Shared Philosophy
Clients come to Bloom with different relationships to their finances, but a shared desire to move through divorce deliberately and with care.
Clients Seeking Dedicated Financial Support
Some clients want steady, individualized financial guidance as they navigate divorce. They value having a professional who can help organize information, explain financial implications, and provide clear financial education so they can engage in discussions with greater confidence and ease.
Clients Seeking Strategic Financial Insight
Other clients are highly engaged with their finances and want a strategic partner to help evaluate scenarios, assess tax considerations, and think through long-term outcomes before decisions are made. They value analysis that allows them to weigh options carefully and avoid reactive decision-making.
Defining the Client Relationship
One Philosophy. Two Roles.
Bloom Divorce Advisory Services works from a single guiding philosophy: providing strictly financial, settlement-minded guidance that supports informed decision-making without fear or intimidation. Depending on the structure of the divorce process and the needs of those involved, this work is delivered in one of two clearly defined roles.
Financial Advocate
When working as a Financial Advocate, we support one party through the divorce process. In this role, we provide individualized financial analysis, help clients evaluate options, and support participation in discussions and negotiations. We assist in organizing financial information, modeling potential settlement outcomes, and preparing clients to understand their choices and the financial impact of possible agreements.
While the work is focused on one client, the approach remains settlement-minded and grounded in careful, well-reasoned analysis. The goal is to promote practical solutions and informed participation throughout the process.
Financial Neutral
When working as a Financial Neutral, we support both parties together in a cooperative, out-of-court process. In this role, we provide unbiased financial analysis, organize and model settlement scenarios, and help couples understand the financial implications of their decisions as they work toward mutually acceptable agreements.
For couples seeking a more mutual process, this role may also include serving as a mediator, allowing financial analysis and facilitated discussion to occur within a single, integrated framework.
Defining the Client Relationship
One Philosophy. Two Roles.
Bloom Divorce Advisory Services works from a single guiding philosophy: providing strictly financial, settlement-minded guidance that supports informed decision-making without fear or intimidation. Depending on the structure of the divorce process and the needs of those involved, this work is delivered in one of two clearly defined roles.
Financial Advocate
When working as a Financial Advocate, we support one party through the divorce process. In this role, we provide individualized financial analysis, help clients evaluate options, and support participation in discussions and negotiations. We assist in organizing financial information, modeling potential settlement outcomes, and preparing clients to understand their choices and the financial impact of possible agreements.
While the work is focused on one client, the approach remains settlement-minded and grounded in careful, well-reasoned analysis. The goal is to promote practical solutions and informed participation throughout the process.
Financial Neutral
When working as a Financial Neutral, we support both parties together in a cooperative, out-of-court process. In this role, we provide unbiased financial analysis, organize and model settlement scenarios, and help couples understand the financial implications of their decisions as they work toward mutually acceptable agreements.
For couples seeking a more mutual process, this role may also include serving as a mediator, allowing financial analysis and facilitated discussion to occur within a single, integrated framework.
MEET THE FOUNDER
Kristina Heckel
CDFA®, CFEI®
Kristina is the founder of Bloom Divorce Advisory Services and holds the designations of Certified Divorce Financial Analyst (CDFA®) and Certified Financial Education Instructor (CFEI®). She helps individuals and couples make informed financial decisions during divorce, guiding them through complex financial issues and supporting them in making well-informed choices for their future.
Through Bloom Divorce Advisory Services, Kristina provides specialized financial analysis designed specifically for the divorce process. Her work is informed by mediation training and advanced divorce transition planning, and she is currently pursuing the Certified QDRO Specialist designation to better support clients facing complex retirement and benefit decisions.
Bloom Divorce Advisory Services
Settlement-minded guidance grounded in analysis, discretion, and care.
Discuss Your Situation with
a Private Consultation
Discuss Your Situation with a Private Consultation
A private consultation provides space to discuss your situation with care and discretion. We’ll explore the financial considerations you’re facing and talk through how support can be structured in a way that aligns with your goals and the process you’re pursuing. From there, we’ll determine next steps together.
Proudly serving clients locally in Arizona and and virtually across the country.
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