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Divorce Financial Planning for Women | Connecticut

Financial Guidance for Women Before, During, and After Divorce.

We provide divorce financial planning for women in Connecticut, helping you evaluate settlement options, prepare for retirement, manage investments, and make informed financial choices.

Whether you're considering divorce, working through one, or adjusting to life afterward, we're here to help you make sense of the financial side and what deserves attention next.

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Working With a Divorce Financial Advisor in Connecticut

Kelsey Conklin CFP® CDFA®

Kelsey Conklin, CFP®, CDFA®

Wealth & Business Advisor

Schedule a Meeting with Kelsey

At Capital Wealth Management, our Women & Wealth divorce financial planning services are led by Kelsey Conklin, CFP®, CDFA®. Since she is both a CDFA® and CFP®, Kelsey can help women understand the financial impact of divorce while also providing ongoing planning and investment guidance afterward.

  • As a Certified Divorce Financial Analyst® professional, Kelsey helps women evaluate divorce-related financial decisions and weigh the tradeoffs associated with different settlement options.
  • As a CERTIFIED FINANCIAL PLANNER® practitioner, she helps clients build on those decisions through ongoing retirement planning, investment management, cash flow planning, and other financial guidance as they adjust to life after divorce.

Whether you're considering divorce, actively navigating the process, or adjusting to life afterward, Kelsey can help you understand where you stand financially and create a strategy designed around your needs, priorities, and future goals.

When you're ready, you can schedule a complimentary introductory meeting with Kelsey to talk things through and see whether working together feels like the right fit.

Financial Advice for Women Navigating Divorce in Connecticut

Every divorce is different, and the financial questions that matter most depend on your circumstances.

Some women come to us before a divorce is finalized because they want to understand their options. Others are in the middle of the process and need help evaluating settlement choices or preparing for the transition ahead. Many come to us afterward looking for ongoing financial guidance as they adjust to life after divorce.

Depending on your needs, our work may include:

  • Cash flow and expenses: Understanding what's coming in, what's going out, and how day-to-day finances may change
  • Post-divorce spending plans: Reviewing and updating spending priorities based on your new circumstances
  • Retirement planning: Managing retirement accounts and reassessing retirement goals after divorce
  • Investment management: Updating investment strategies to reflect new priorities and objectives
  • Account updates: Assistance with account retitling and beneficiary changes
  • Alimony and settlement planning: Evaluating child support, alimony, and settlement proceeds as part of your broader financial strategy
  • Social Security strategies: Understanding available claiming options and how they fit into your overall plan
  • Coordination with other professionals: Working alongside tax and legal professionals when appropriate
  • Ongoing financial planning: Adjusting your strategy as life, goals, and circumstances change

You don't have to address every financial issue at once. Together, we can identify the priorities that need attention now and create a plan for the ones that can wait.

Post‑Divorce Financial Planning for Women

For many women, the financial planning that comes after divorce is just as important as the work done during the divorce itself.

A divorce settlement may define what you receive, but it doesn't answer questions about how those assets should be managed, how retirement plans may need to change, what your income needs will be, or whether you're still on track to meet your long-term goals.

We work with women who want to take control of their financial future after divorce. That may mean creating a sustainable retirement strategy, developing an investment plan, evaluating housing decisions, planning for taxes, or making informed choices about spending and saving.

Our goal is to help you understand how these decisions fit together and create a strategy that supports the life you want to build moving forward.

Common Questions About Financial Planning and Divorce

Below are some of the questions we hear most often from women as they navigate financial decisions during a divorce.

Do I need a financial planner if I’m divorced?

You don’t always need a financial planner after a divorce. Some women feel comfortable managing their finances on their own, especially if things are relatively straightforward. If your situation feels more complex—or you’d appreciate another perspective—a financial planner can help you prioritize decisions and think through next steps. 

What should I focus on financially right after a divorce?

Start by understanding your cash flow—what’s coming in, what’s going out, and how expenses look month to month. Once that’s clearer, you can revisit longer-term decisions like retirement planning and investing.

How are retirement accounts handled in a divorce?

Retirement accounts are often divided as part of a divorce settlement, but how they are handled can depend on the type of account and the terms of the agreement. Reviewing how these accounts are titled—and how they fit into your long-term retirement plan—is an important step once the divorce is finalized.

What is a QDRO and when is it needed?

A Qualified Domestic Relations Order (QDRO) is a legal document that allows certain retirement accounts to be divided during a divorce. Not every account requires one, but many workplace retirement plans do. Understanding whether a QDRO applies can help avoid delays or unintended tax issues. 

How does alimony affect my financial plan?

Alimony can affect cash flow and longer-term planning decisions. Whether you’re receiving or paying alimony, understanding how it fits into your overall financial picture can help you make adjustments as circumstances change.

When should I update beneficiaries after a divorce?

Beneficiary designations should typically be reviewed and updated soon after a divorce, especially for retirement accounts, insurance policies, and other financial assets.

Do you work with women who are still considering divorce?

Yes. Some women reach out while considering or preparing for a divorce, while others contact us after the divorce is final. In both cases, the focus is on understanding your current financial picture and planning for what comes next.

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