When life changes unexpectedly through divorce, loss, or inheritance, the financial decisions that follow can feel overwhelming. At TimeWise Financial, we meet you with empathy, clarity, and a steady hand. Whether you’re rebuilding after loss, untangling years of shared finances, or managing a new windfall, we help you get organized and make purposeful choices about what comes next. With the right financial guidance, these moments of transition can become meaningful turning points toward long-term confidence and control.

Here are some of the most common questions we hear from clients who are navigating these sudden life changes.

• Everything feels overwhelming. Where do I even start?
  It’s okay to feel that way. Our first priority is helping you take stock of where things stand, identify what needs immediate attention, and create a step-by-step plan that brings order to the chaos.
• What should I do with the accounts, properties, or assets I now own?
  Whether you’re retitling accounts, managing inherited assets, or navigating a property settlement, we’ll walk you through each decision, explaining your options, the tax implications, and next steps with clarity.
• How long does a divorce take? How much will it cost?
  The divorce process typically takes anywhere from a few months to over a year, depending on the complexity of your finances, whether you and your spouse agree on key issues, and your state's legal requirements. Costs can vary widely, but legal fees, court costs, and services from a financial professional can range from a few thousand dollars to tens of thousands.
• How are finances managed after a divorce?
  After divorce, you'll need to establish your own accounts, update beneficiaries, create a new budget, and revisit your financial goals. Working with a professional can be helpful as you work to get everything in order.
• How do I manage financial tasks and responsibilities my spouse previously handled?
  You don't have to figure it out alone. Our team is here to guide you through every step, from organizing documents to explaining key concepts to helping you build the confidence to take full control of your finances after loss.
• What are the details of my will or trust? How do I find out?
  Start by reviewing the legal documents you have or contacting the attorney who drafted them. A financial professional can help interpret the details, coordinate with your estate attorney, plan in a tax-efficient way, and update your plan as needed.