Financial guidance before, during, and after divorce

Talk Through Your Options

Divorce can make every financial decision feel bigger than it already is

Can you keep the house?

What happens to retirement accounts?

How much cash will you need after the divorce is final?

What should you protect during settlement negotiations?

What questions should you even be asking?

You don't know what you don't know

Maybe you haven't told anyone yet. Maybe you're three months into mediation and so tired you can't see straight. Maybe the divorce is final and you're looking at a stack of accounts you've never opened.

The decisions you make right now may shape the rest of your life, and you need someone to slow things down, sort through the numbers, and help you move forward.

Plan What's Next

Meet Marianna Goldenberg

Marianna Goldenberg, Certified Divorce Financial Analyst (CDFA), started CURO Wealth Management in 2014 because too many women were losing themselves and their financial footing in divorce.

Working with Marianna and the CURO team means having:

  • A calm guide who helps you slow down and understand what is in front of you

  • Support sorting through the house, retirement accounts, savings, insurance, cash flow, and long-term planning

  • Someone who can work alongside your attorney, mediator, and therapist

  • Guidance that helps you make decisions from clarity instead of fear

Learn More About Marianna

Who we help

Most women come to CURO because someone they trust said "Go see Marianna." Our divorce financial planning service is designed for women who are:

  • Thinking about separation and unsure what it would mean financially

  • Preparing for divorce and trying to understand their options

  • In mediation or settlement discussions

  • Working with a divorce attorney

  • Finalizing divorce agreements

  • Recently divorced and trying to regain financial footing

  • Rebuilding after years of shared financial decisions

  • Managing divorce alongside career changes, children, caregiving, or retirement planning

You do not have to walk in with perfect spreadsheets, polished questions, or a complete picture of your financial life.

That is part of what we help you build.

Before you sign, understand what the settlement really means.

We’ll help you compare options, think through tradeoffs, and see how each decision could affect your future.

What's Next?

The four phases of divorce financial planning

What it’s like to work with us

Divorce does not happen in one clean step. Your financial needs change as the process moves forward. CURO’s work often follows four phases.

Phase 1: Get Organized

At the beginning, the priority is often simple but important: get organized.

We help you gather and review documents so you can understand the full financial picture. That may include bank accounts, investment accounts, retirement accounts, mortgage information, tax returns, insurance policies, stock holdings, business interests, benefits, and household expenses.

This phase helps answer questions like:

  • What do I have?

  • What do we own together?

  • What do I need to know before making decisions?

  • What documents should I collect?

  • What information is missing?

  • What are my immediate financial needs?

For many women, this is the first moment things start to feel less chaotic.

Phase 2: Planning

Once the financial picture is clearer, we help you evaluate possible settlement options. This may include comparing different asset division scenarios, projecting income and expenses after divorce, evaluating support payments, reviewing tax considerations, and helping you understand tradeoffs.

For example:

Taking more cash may feel safer today, but what does that mean for retirement? Keeping the house may feel emotionally important, but can it work with your post-divorce income?

Taking retirement assets may look equal on paper, but what are the tax and timing implications? Accepting stock or investment assets may create future growth, but how much risk are you taking on?

This is where divorce financial planning can be especially valuable.

We help you see the longer-term impact before you agree to decisions that are hard to undo.

Phase 3: Execution

The financial work does not stop when papers are signed.

After divorce, there are accounts to retitle, assets to transfer, beneficiaries to update, insurance policies to review, investment strategies to adjust, and estate planning items to revisit.

We help you move from agreement to action.

That may include:

  • Coordinating account transfers

  • Reviewing QDRO-related retirement transfers with the appropriate professionals

  • Reorganizing investment accounts

  • Updating beneficiaries

  • Reviewing insurance protection

  • Creating a new household budget

  • Building a post-divorce cash reserve

  • Aligning your investment strategy with your new goals

  • Updating college savings plans or education funding strategies

  • Rebuilding your retirement plan

This phase helps turn the settlement into a working financial life.

Phase 4: Growth

Divorce financial planning is not only about getting through divorce.

It is also about building what comes next.

Over time, the relationship often shifts from crisis support to long-term wealth planning. What begins as "help me survive this" becomes "help me build."

We help clients move from stabilization into growth with a plan for investing, retirement, income, taxes, insurance, estate planning, education funding, and future goals.

At the end of this process, clients often feel steady again.

They understand what they agreed to and why. Their accounts are reorganized. Their protection plan is stronger. Their retirement path is mapped out. Their children's education plans are clearer. Their next chapter feels less like a question mark.

Financial resources to help you through divorce

Use these tools to understand the financial questions divorce brings up, from keeping the house to comparing settlement options and planning what comes next.

Wondering what divorce may cost?

Get a clearer look at what divorce financial planning can cost, what affects the price, and where thoughtful planning may help you save.

Use the cost guide

Trying to understand who does what?

Learn when to work with a divorce attorney, when to bring in a financial advisor, and how the right team can help you feel less alone in the process.

View the decision map

Feeling unsure about money decisions?

Read what other women wish they had understood earlier, so you can walk into conversations with more clarity and fewer “I didn’t know to ask that” moments.

Read the guide

Looking at a settlement and wondering if it’s enough?

Use this walkthrough to see whether your settlement supports the life you want to build after divorce.

Start the assessment

Thinking about divorce and not sure what it would mean financially?

We can help you understand what you have, what questions to ask, and what to think through before decisions are made.

Schedule a 30-minute call

FAQs

  • A CDFA is trained specifically in the financial side of divorce. We figure out what your marital property is actually worth. We model what alimony or support looks like over time. We split retirement accounts properly (QDROs are a real thing, and they're tricky). And we build a long-term plan for your life after. We work alongside your attorney, not instead of one.

  • Your attorney handles the legal stuff: filings, agreements, court if it gets there. A CDFA handles the money. The strongest outcomes usually involve both, working from the same playbook.

  • Sooner than you think. The most valuable work usually happens before settlement gets locked in, when there's still time to model scenarios and shape the agreement. That said, plenty of women come to us after the agreement is signed and need help cleaning things up. We meet you where you are.

  • We charge an hourly rate against an initial retainer. Total cost depends on how complex your situation is. The first 30-minute phone call is free, so you can get a sense of scope before committing to anything.

  • Most general advisors aren't trained in the divorce-specific stuff: QDRO division, executive compensation, settlement tax modeling. A CDFA fills that gap. After the divorce, your CDFA can become your everyday financial advisor, which is what most CURO clients choose.

  • Many CDFAs can help you understand the numbers in a divorce. CURO goes further by helping you make sense of those numbers in the context of your actual life.

    Women often come to us because they need someone who can sit beside them in a complicated moment and help them slow down.

    Someone who can say:

    Here’s what matters.
    Here’s what you can give.
    Here’s what you need to protect.
    Here’s what this decision could mean later.

    Our work combines financial analysis, planning, education, and steady guidance. We help you understand your options, prepare for important conversations, and make decisions from clarity instead of fear.

    Because divorce may not feel easy. But you should not have to make life-shaping financial decisions without understanding what they mean.

  • No. CURO Wealth Management works with women in Newtown and throughout Bucks County, including Langhorne, Yardley, Doylestown, Washington Crossing, Richboro, Warrington, Warminster, Southampton, New Hope, Lower Makefield, and nearby communities.

    We also meet virtually with clients across the country.

  • Keeping the house can be one of the most emotional decisions in divorce. It can also be one of the most financially complicated. We help you look at the full picture: mortgage payments, taxes, insurance, maintenance, income, support payments, retirement savings, liquidity, and long-term goals.

    The question is not only, “Can I keep the house?” The better question is “Can I keep the house and still protect my future?” We'll help you figure that out.

  • Not all assets work the same way.

    Cash, retirement accounts, brokerage accounts, pensions, stock options, and home equity can have very different tax treatment, timing, risk, and accessibility.

    You will need to compare the short-term and long-term impact of different settlement options so you understand what you are agreeing to before you sign.

  • Your attorney plays a critical role in protecting your legal interests. A divorce financial planner helps you understand the financial impact of the decisions being discussed. We often work alongside attorneys and mediators by helping clients organize financial information, model settlement options, and understand the long-term impact of different decisions.

  • After divorce, many women need help turning the agreement into a real financial plan. That may include transferring accounts, updating beneficiaries, creating a new investment strategy, building a budget, reviewing insurance, revisiting estate planning, and adjusting retirement goals. The divorce may be final, but your financial life is still being rebuilt. We help you make that transition with structure.