Facing divorce can feel like navigating through a dense fog. The confusion and emotional turmoil can turn even the most well-organized person into an overwhelmed and uncertain version of themselves. Trust me, I've seen it. Even with your best efforts to stay composed, you know this is not exactly your finest moment. You yearn for calm, want to put your thoughts in order and plan for what's next, but that heavy cloud of uncertainty can be paralyzing. So, how can one find the way forward? 

FIRST, ACKNOWLEDGE WHAT YOU DON'T UNDERSTAND 

When it comes to your family's financial matters, where do you stand? Are you the one who pays the bills? Do you have full awareness of all your investment accounts, retirement plans, bank accounts and so forth? Or does it feel like you're walking in the dark? If it's the latter, it's crucial to find someone who can illuminate the way – swiftly! A Certified Divorce Financial Analyst (CDFA®) can be a game changer. If you and your soon-to-be ex-spouse are still on speaking terms, try to get hold of all your asset accounts' statements and your most recent tax returns. Your CDFA® is not just a helper; they're your trusted guide, armed with specialized knowledge of divorce's financial complexities. They're here to blow away that fog of confusion like a refreshing breeze! 

SECONDLY, ENVISION YOUR FUTURE 

This may seem daunting at first, as it entails visualizing a future that's different from what you had planned. But take a step back, give yourself some room, and it might even turn into an exciting venture. You now have a clean slate and can revisit dreams that may have faded during your marriage. Is it time to pursue further education? Could you swap your large family home for a sleek downtown condo? Whatever your aspirations, it's crucial to keep a keen eye on your financial situation and adhere to a budget. Remember, before you can chase your dreams, you need a clear understanding of your financial landscape – hence why our first step is so vital. 

FINALLY, CRAFT YOUR INDIVIDUAL FINANCIAL IDENTITY 

Often in marriages, all the credit cards, mortgages, loans, and similar financial obligations bear both spouses' names. It's crucial to individually own or close these accounts. Taking this action while still married is beneficial, as your credit score might not remain as strong post-divorce. Begin this process by promptly opening a checking and savings account in your name. Then, apply for a rewards credit card solely under your name to ensure you have access to credit post-divorce, or even during it, if needed for legal expenses. 

These steps may seem small, but they're a crucial starting point to regain control of your financial future. You have the strength to overcome this challenge and seeking guidance from a CDFA® is a fantastic first step on this journey.