Jan Farquharson

09/29/2026

January gets all the credit for fresh starts, but September has a reset built into it too. New routines, new schedules, that back to structure feeling that shows up every fall whether or not you have kids in school.

This is a good moment to ask yourself what financial thing you have been putting off. Not the whole overhaul, just the one thing sitting at the back of your mind.

Bring it to a Clarity Call and let's get it moving before the year winds down.

Book a Clarity Call. Link in bio.

09/25/2026

People ask me why I chose to focus my practice on women navigating divorce and widowhood. The honest answer is that I lived it first.

I know what it feels like to sit across from an advisor who talks past you instead of to you. I know what it feels like to rebuild a financial life from a place you did not choose to be in. That experience is the reason this practice exists the way it does.

Every client who walks through this door gets that understanding built in, not added on.

09/23/2026

September brings a specific kind of financial stress if you are co-parenting after separation. School supplies, fall registration fees, new shoes because they grew again over the summer. All of it needs to be split, tracked, and paid on time.

A little bit of structure goes a long way here. A shared expense list and a clear reimbursement window can take the tension out of what should just be logistics.

If the money side of co-parenting feels harder than it should, let's talk it through.

Book a Clarity Call. Link in bio.

09/21/2026

09/21/2026

A separation agreement is a legal document, but it is also a financial one. That second part gets missed more often than it should.

Before anything gets signed, it is worth knowing the full picture. Every joint asset and debt, a proper pension valuation, a clear understanding of the home and the tax impact of support payments. These details are much easier to get right before signing than to fix after.

A second set of eyes on the numbers, separate from your lawyer, can be one of the most valuable steps in this process.

Book a Clarity Call. Link in bio.

09/18/2026

There is a deadline hiding in the last few months of the year, and it is your RESP contribution window.

The government match is generous, but it only applies to what actually gets contributed within the calendar year. If a year got missed, there is often a way to catch up. Either way, this is worth ten minutes of your attention now instead of a scramble in late December.

If you want a clear picture of where your RESP actually stands, let's look at it together.

Book a Clarity Call. Link in bio.

09/16/2026

So many women tell me some version of the same thing before we even start talking numbers: I am embarrassed about where I am with money.

Here is what I want you to know. Shame is not useful information. It does not tell you anything true about your ability to handle your finances. It just keeps you stuck longer than you need to be.

Whatever brought you to this point, you are allowed to start from here without explaining or apologizing for it.

Book a Clarity Call. Link in bio.

09/14/2026

A client said something to me last week that I hear often in different words: I wish I had called six months earlier.

She had been carrying a decision alone, turning it over and over, waiting to feel ready before reaching out. Once we finally talked, it took one conversation to give her a clear next step. The weight she had been carrying for months lifted in about forty five minutes.

This is not unusual. It is the most common story I hear.

Book a Clarity Call. Link in bio.

09/11/2026

September does not feel like a holiday month, but for many of the widows I work with, this is when the bracing begins. The first Thanksgiving, the first set of holiday plans made without the person who used to make them.

I am not going to pretend a financial checklist fixes that. It does not. What it can do is take one thing off your plate so you have a little more room to just get through the season.

If you want that support, I am here whenever you are ready.

Book a Clarity Call. Link in bio.

09/09/2026

Here is a five minute task that gets skipped more than almost anything else: checking who is actually listed as your beneficiary.

A divorce five years ago, a new child, a parent who has since passed. Life moves and paperwork does not always move with it. The account you set up in your twenties may still list a person who no longer belongs there.

This is a quick fix once you know to look. If you are not sure where your accounts stand, let's go through them together.

Book a Clarity Call. Link in bio.