Financial Guidance Structured Around Your Divorce

Bloom Divorce Advisory Services provides strictly financial guidance to individuals and couples navigating divorce through private, out-of-court processes. Our services are designed to support informed decision-making, careful analysis, and long-term financial stability.

The Recommended Path for Most Clients

Flat-Fee Full Case Financial Analysis

Structured, predictable support for divorce-related financial decisions

Flat Fee: $5,000

This engagement is designed to support the financial aspects of a divorce matter from early analysis through resolution. It provides a comprehensive view of the financial landscape and allows clients to evaluate options thoughtfully before agreements are finalized.

This engagement typically includes:

Comprehensive review and organization of financial information

Analysis of assets, income, and cash flow

Settlement scenario modeling before decisions are made

Budgeting and future projections

Retirement, pension, and support analysis

Coordination with attorneys, mediators, or other professionals involved in the process

A clear wrap-up outlining next steps and financial organization

Engagement Structure

The Flat-Fee Full Case Financial Analysis includes up to 20 hours of professional time, which is sufficient for the vast majority of cases. This structure allows clients to engage fully in the process, ask questions as they arise, and evaluate options without concern for an hourly meter.

In the uncommon event that additional work is required due to extended negotiations, added complexity, or changes in process, additional services are billed at the standard hourly rate of $275 per hour. Any such need is discussed in advance.

Other Ways to Work Together

Pay-As-You-Go Financial Support

A flexible starting point for limited or early-stage needs

10-hour retainer: $2,750

$275/hour thereafter

This option is well-suited for clients who:

Prefer to begin with defined, limited support before committing to a full-case engagement

Need targeted financial input early in the divorce process

Are still gathering information or clarifying next steps

Clients who begin with hourly support are offered a one-time opportunity to transition into the Flat-Fee Full Case Financial Analysis if broader or ongoing support becomes appropriate.

Targeted or A La Carte Financial Analysis

In some situations, clients may need focused financial analysis outside of a broader engagement. Select services may be available on a limited or a la carte basis, such as pension valuation or specialized financial modeling.

Case Review Session (45 minutes)

A focused working session for clients who want support with a specific financial question or part of their divorce. This session can be booked directly and is designed to help you understand where you stand and what to prioritize next.

Availability and pricing for other a la carte services are discussed during a private consultation to ensure appropriate scope and fit.

Financial Neutral + Mediation

For couples. Appropriate for a cooperative, out-of-court process

Flat Fee: $7,500

This option is available to couples who are a good fit for neutral financial analysis combined with structured settlement facilitation.

This engagement typically includes:

Full CDFA® financial analysis

Mediation sessions (provided virtually or in person)

Financial scenario modeling to support joint decision-making

Preparation of the Memorandum of Understanding (MOU)

One included revision of the MOU

A structured timeline, typically completed within five months or less

Availability of this option is determined after confirming that a neutral, facilitated process is appropriate for both parties.

QDRO
Drafting
Services

Coming Soon

Qualified Domestic Relations Orders (QDROs) are highly technical documents that govern the division of certain retirement assets following divorce. Proper drafting and plan-specific compliance are essential to avoid costly delays or unintended outcomes.

Bloom Divorce Advisory Services is preparing to offer QDRO drafting services as a standalone engagement, designed to support the accurate and efficient implementation of retirement division once settlement terms are finalized.

These services will be offered separately from divorce financial analysis and in coordination with attorneys and plan administrators, with scope and availability clearly defined at the time of engagement.

Details regarding availability and engagement structure will be shared once this service is formally launched. QDRO drafting services will be offered independently and are not included in divorce financial analysis engagements unless explicitly stated.

Scope of Services

Financial Organization and Education

~ Organizing and reviewing financial documents

~ Developing a clear inventory of marital assets and liabilities

~ Helping clients understand what they own and how assets are structured

~ Answering financial questions as they arise throughout the process

Financial Support in Mediation or Settlement Discussions

~ Preparing and updating financial inventories as division options are considered

~ Modeling settlement scenarios and evaluating financial trade-offs

~ Analyzing the financial implications of proposed agreements

~ Preparing cash flow and income estimates as options are evaluated

~ Providing tax-informed analysis related to proposed division scenarios

Complex Financial Issues

~ Consideration of tax implications related to asset division and dependents

~ Pension valuation and evaluation of division options

~ Review and characterization of executive compensation and benefit plans

~ Analysis of retirement benefits for corporate, municipal, military, or other specialized plans

~ Lump-sum versus income stream comparisons

~ Illustration of post-divorce Social Security considerations

Frequently Asked Questions

What if my situation escalates and litigation becomes necessary?

While our work is grounded in private, settlement-minded processes, we understand that divorce dynamics can change. If a matter escalates and litigation becomes necessary, we can continue to support clients in a Financial Advocate capacity across both low- and high-conflict environments.

In advocacy engagements, we work alongside attorneys to provide financial analysis, education, and support throughout the litigation process. We are also qualified to serve as an Expert Witness when appropriate, offering independent financial analysis and testimony if required.

Our role and scope are discussed and adjusted thoughtfully as circumstances evolve.

Do I need to be working with an attorney to engage your services?

No. Clients often engage Bloom Divorce Advisory Services early in the process, sometimes before legal professionals are retained. We do not provide legal advice or legal drafting, but we regularly collaborate with attorneys and other legal professionals once they are involved.

Depending on the structure of your case and your jurisdiction, this may include coordination with consulting attorneys, legal paraprofessionals, or legal document preparers. We are happy to work within the professional team that best supports your goals.

How do I know which role or engagement structure is right for me?

Most clients do not need to decide this on their own. During a private consultation, we’ll discuss your situation, goals, and the dynamics involved, and determine together whether a Financial Advocate or Financial Neutral role is most appropriate, as well as which engagement structure best fits your needs.


Roles and scope are clearly defined at the outset to ensure expectations are aligned and the process feels structured and intentional.

Is mediation required to work with you?

No. Mediation is not required. Some clients work with us solely in a Financial Advocate role, while others engage us as a Financial Neutral within a cooperative, out-of-court process.

For couples who are appropriate candidates, mediation or settlement facilitation may be included as part of a Financial Neutral engagement, but it is never assumed or required.

What if my case is more complex than expected?

Divorce matters can evolve. Engagements are structured with clear scope, and any need for additional analysis or expanded support is discussed in advance. Our goal is to provide informed guidance while maintaining transparency, predictability, and professional boundaries throughout the process.

Risk Management Planning for Support Obligations

Divorce agreements that include spousal maintenance or child support create long-term financial obligations that deserve thoughtful risk management. While these obligations are often negotiated carefully, the question of how they are protected if circumstances change is frequently overlooked.

Bloom Divorce Advisory Services offers risk management planning for individuals who need to evaluate and implement insurance solutions related to support obligations. This work is available only in situations where we are not serving as the CDFA® on the case, ensuring clear professional boundaries and objectivity. If insurance solutions are appropriate, referrals to qualified and trusted professionals are provided.

Why Timing Matters

In many cases, the most effective time to evaluate insurance options is before the divorce decree is finalized, even if coverage is implemented after the divorce is complete. Early evaluation allows the support payor to go through underwriting while options are still available and before insurability becomes an issue.

Understanding whether coverage is possible and appropriate can be a critical input into support negotiations and long-term planning.

Insurance Considerations for Support Protection

When appropriate, risk management planning may include evaluation of fixed insurance solutions such as:

Disability Insurance to help protect income used to meet support obligations

Life Insurance structured to secure spousal maintenance or child support if the payor passes away unexpectedly

Critical Illness or Accident Insurance to address short-term disruption

Long-Term Care Insurance, when relevant to broader post-divorce planning

These solutions are considered in relation to the structure, duration, and purpose of the support obligation rather than as standalone financial products.

Professional Role and Boundaries

Insurance planning is offered as a separate engagement and only for clients for whom Bloom Divorce Advisory Services is not acting as a CDFA® or financial neutral in the divorce process. This separation ensures that financial analysis during divorce remains independent, unbiased, and fully focused on decision-making.

Our role in this context is to help individuals assess risk responsibly and

implement appropriate protection once the divorce process allows.

Referrals are provided to current Bloom clients with insurance needs.

Professional Role and Boundaries

Insurance planning is offered as a separate engagement and only for clients for whom Bloom Divorce Advisory Services is not acting as a CDFA® or financial neutral in the divorce process. This separation ensures that financial analysis during divorce remains independent, unbiased, and fully focused on decision-making.

Our role in this context is to help individuals assess risk responsibly and implement appropriate protection once the divorce process allows. Referrals are provided to current Bloom clients with insurance needs.

How Engagements Are Structured

Bloom Divorce Advisory Services provides strictly financial guidance and does not offer legal advice, legal drafting, or legal representation. We collaborate closely with each client’s chosen legal professionals, which may include consulting attorneys, legal paraprofessionals, or legal document preparers, depending on the jurisdiction and structure of the process.

When working within mediation or settlement facilitation, the engagement may include preparation of the Memorandum of Understanding summarizing the agreements reached. This document is intended to support communication and coordination with legal professionals and does not constitute legal advice or legal drafting.

Engagement terms, scope, and role are clearly defined at the outset to ensure a process that feels structured, respectful, and intentional.

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