Collaborative Divorce Strategies

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Collaborative Divorce Strategies is a divorce financial planning and mediation firm providing you with the education, tools and support during the divorce process. Collaborative Divorce Strategies’ mission is to provide you with the education, tools and support during the divorce process to help you make rational, informed decisions and reinvent your financial future.

Not All Retirement Dollars Are Created EqualThink you’re splitting everything 50/50 in your divorce?Not so fast.When it ...
06/03/2026

Not All Retirement Dollars Are Created Equal

Think you’re splitting everything 50/50 in your divorce?
Not so fast.

When it comes to retirement accounts, things get tricky.
Some accounts are taxed now. Others are taxed later.
And if you don’t know which is which, you could walk away with a lot less than you thought.

Here’s what too many people miss:
🧾 That $100K in a 401(k) isn’t worth the same as $100K in a Roth IRA
📉 Taking money out too soon could mean big penalties
⚖️ Tax rules can turn a “fair” deal into a financial misstep

If you are separated or already in the process of divorce and need clarity on your retirement accounts, please reach out. Your first consultation is complimentary.

📞 (401) 258-8737
📧 [email protected]
Jane McAuliffe, CDFA® | Founder, Collaborative Divorce Strategies

"Clean lines aren't an act of distrust. They're an act of clarity."I say this to clients all the time, usually after the...
06/01/2026

"Clean lines aren't an act of distrust. They're an act of clarity."

I say this to clients all the time, usually after they've apologized for wanting to protect an inheritance, as if that's something to be ashamed of.

It isn't.

If someone in your family spent a lifetime building something and chose to leave it to you, protecting it isn't cold. It's not a sign that your marriage is in trouble. It's not a hedge against your spouse. It's just smart, and frankly, it's the least you can do to honor what was given to you.

A trust. A postnuptial agreement. A separate account with a paper trail. None of these are accusations. They're decisions. Quiet, responsible ones that most people only wish they'd made sooner.

I work with people who are already in the middle of it, sorting out what's theirs, what's shared, and what they may have unknowingly given up. It's not always pretty. But it's always fixable to some degree, and that's where I come in.

So if you're going through a divorce and you're staring at an inheritance wondering what happens to it now, let's talk. I've seen a lot of these situations, and I'll give you a straight answer.

First conversation is free. No softening, no runaround, just clarity.

📞 (401) 258-8737
📧 [email protected]
Jane McAuliffe, CDFA® | Founder, Collaborative Divorce Strategies

Did you know that simply depositing an inheritance into a joint bank account can convert it into marital property?It's c...
05/30/2026

Did you know that simply depositing an inheritance into a joint bank account can convert it into marital property?

It's called "commingling", and it's one of the most common financial mistakes I see in divorce cases.

Once separate funds are blended with marital money, it becomes extremely difficult to reclaim them, unless you have meticulous records showing exactly where those funds originated and where they went.

Here's what I tell every client: the best financial protection isn't reactive, it's proactive. But even if you're already in the middle of a divorce, understanding your rights around inherited assets can make a real difference in your outcome.

My role as a Certified Divorce Financial Analyst and co-mediator is to help you see the full picture — so you can make decisions that actually protect your future.

👉 Ready to get clear on your finances? Your first conversation is completely free.

📞 (401) 258-8737
📧 [email protected]

— Jane McAuliffe, CDFA® | Founder, Collaborative Divorce Strategies

💼 Investment advisory services through Axis Wealth Partners

Let's talk about something most people don't consider until it's too late: what happens to an inheritance in a divorce.I...
05/27/2026

Let's talk about something most people don't consider until it's too late: what happens to an inheritance in a divorce.

I work with clients every day who are shocked to learn that money they received from a parent or loved one can become marital property — simply because of how it was handled.

Here's the truth: an inheritance doesn't automatically stay yours just because it was given to you.

If you deposit it into a joint account, use it to renovate the family home, or blend it with shared finances without proper documentation, it can become subject to division in divorce proceedings.

The good news? There are steps you can take — now or later — to protect it:

✅ Keep inherited funds in a separate account in your name only
✅ Maintain detailed records of where the money came from and where it goes
✅ Consider a prenuptial or postnuptial agreement that specifically addresses the inheritance
✅ Explore whether a trust structure makes sense for your situation

Clean financial boundaries aren't a sign of a troubled marriage. They're a sign of smart planning.

If you're navigating divorce and have questions about inherited assets, retirement accounts, or the full financial picture — let's talk.

📞 (401) 258-8737
📧 [email protected]

Your first conversation is completely free. No pressure, just clarity.

Investment advisory services through Axis Wealth Partners

Via The Wall Street Journal, "What It's Like to Retire in America After a Divorce"Thirty years ago, when she sensed her ...
05/23/2026

Via The Wall Street Journal, "What It's Like to Retire in America After a Divorce"

Thirty years ago, when she sensed her marriage was heading toward divorce, she made one quiet decision that changed her entire financial future.

She turned down a higher-paying private sector job and took a position with the state instead.

The reason? The pension.

She contributed something to her retirement account every single month, even when it was a small amount. When she eventually divorced again, she walked away with her retirement account, her pension, and a rental property generating income.
Not because she was lucky. Because she had been intentional for decades.

It is never too early, and never too late, to make a smart financial decision. Even one choice, made clearly and deliberately, can rewrite your future.

If you're in the middle of a divorce right now, that decision is the one sitting in front of you today.

💬 What's the one financial question keeping you up at night? Share it below.

If you're going through a divorce and need help understanding your financial picture, your first conversation is completely free.

📞 (401) 258-8737
📧 [email protected]

Financial investment advisory services provided exclusively through Axis Wealth Partners.

Here's an example of what's possible.His retirement accounts got split in half. His pension was divided. He had to buy o...
05/21/2026

Here's an example of what's possible.

His retirement accounts got split in half. His pension was divided. He had to buy out his wife's share of the house. At 63, he was essentially starting over.

Most people would have called that a financial catastrophe.

He called it a turning point.

Instead of giving up on the retirement he had worked toward, he made a plan. He stayed in the workforce a few extra years. He maxed out his contributions every single year, including the catch-up contributions available to people 50 and older. He kept his eyes forward.

By the time he retired, he had more saved than before the divorce.

Today he travels, spends time with the people he loves, and does exactly what he wants with his days. His words? "I am free."

That's not luck. That's what a clear financial strategy makes possible, even when you're starting over later than you planned.

Gray divorce doesn't have to be the end of the retirement you imagined. But it does require an honest look at where you stand, and a realistic plan to move forward.

That's exactly what I help people do.

💬 Has fear about the financial impact kept you from making a decision you know needs to be made? You're not alone. Share it below.

She walked away from her 38-year marriage with the house. Then came a $200,000 tax bill she never saw coming.That's what...
05/18/2026

She walked away from her 38-year marriage with the house. Then came a $200,000 tax bill she never saw coming.

That's what happened to a woman who sold her California home four years after her divorce was finalized. Because she was now filing as a single person, her capital gains exclusion had been cut in half, from $500,000 down to $250,000. The difference? Nearly $200K straight out of her pocket.

But it didn't stop there.

The home sale spiked her income that year, triggering an IRMAA (Income-Related Monthly Adjustment Amount) surcharge, and her Medicare Part B and D premiums more than doubled overnight.

Two devastating financial hits. Both entirely avoidable. Both rooted in one thing: not having a financial specialist at the table before she signed her settlement.

This is one of the most common — and costly — mistakes I see in gray divorce. Real estate decisions get made in the heat of the moment, not with a long-term strategy in place.

If you're over 50 and navigating divorce, the decisions you make in the next few months will shape the next few decades.

💬 Drop your questions about divorce in the comments. I read every single one.

If you're going through a divorce and need help understanding your full financial picture before you sign anything, your first consultation is free.

📞 (401) 258-8737
📧 [email protected]

Financial investment advisory services provided exclusively through Axis Wealth Partners.

A recent WSJ article on financial infidelity quotes a divorce attorney who put it perfectly: "Many people are leading se...
05/14/2026

A recent WSJ article on financial infidelity quotes a divorce attorney who put it perfectly: "Many people are leading separate financial lives, or one spouse is in the dark."

In my years of work, I've seen what happens when the lights finally come on.

It's disorienting. It's painful. And it's also, ultimately, clarifying.

The women (and men) I work with through Collaborative Divorce Strategies aren't just trying to divide assets. They're trying to reclaim agency over their own financial futures. That process starts with truth, even when the truth is uncomfortable.

Financial clarity is not a luxury reserved for the wealthy or the financially savvy. It is an act of self-respect that every person in a marriage deserves.

If you're a therapist or attorney, working with divorcing clients, I'd love to connect.

The more we collaborate, the better we serve people in some of the hardest chapters of their lives.

One of the most common things I hear from clients — particularly women — is some version of: "He handled all of that. I ...
05/12/2026

One of the most common things I hear from clients — particularly women — is some version of: "He handled all of that. I didn't really know what we had."

And I understand it. Life is busy. Trust is real. Division of labor makes sense.

But here's the hard truth I've learned both professionally and personally: when you don't know the details of your own financial life, you don't just lose control — you lose options.

In divorce, that can mean:

→ Not knowing what assets actually exist
→ Being blindsided by debt in your name
→ Starting over with far less than you expected

As a co-mediator and CDFA, my job isn't to assign blame. It's to help people make informed decisions — often at the hardest moments of their lives.

But I'll always tell you this: the best time to understand your finances is before you need to.

If you're going through a divorce and need help and support in understanding your financial picture, please reach out. Your first consultation is free.

📞 (401) 258-8737
✉ [email protected]

Financial investment advisory services provided exclusively through Axis Wealth Partners.

Money secrets don't always look like fraud. Sometimes they look like a bank balance that keeps shrinking, a charge you d...
05/11/2026

Money secrets don't always look like fraud. Sometimes they look like a bank balance that keeps shrinking, a charge you don't recognize, or an income change your spouse "didn't want to stress you out" with.

I've seen it so many times in my work, and honestly, I've lived versions of it too.

Financial infidelity isn't always malicious. But it is always damaging. And by the time it surfaces in a divorce, the financial hole is often much deeper than anyone realized.
If something feels off in your finances right now, trust that instinct. You deserve to know the full picture of your own financial life.

💬 Have you ever felt in the dark about money in a relationship? You're not alone. Drop a comment or send me a message.

📍 Collaborative Divorce Strategies | Jane McAuliffe, CDFA & Co-Mediator
📞 (401) 258-8737
✉ [email protected]

Financial investment advisory services provided exclusively through Axis Wealth Partners.

Address

670 Main Street, Suite C4 (inside Rafanelli Law Office)
East Greenwich, RI
02818

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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