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Do you need help help with divorce financial planning?

We are independent and experienced financial planners who can help you maintain financial security when planning a divorce.


Divorce can create fear and uncertainty.

If you are preparing for, in the middle of, or have finalized your divorce, we can provide you with immediate clarity of what you have and how your new life will look financially.

As divorce financial planners, we specialize in working with the so-called “out spouse,” a term for the spouse that hasn’t been involved in paying the bills, managing the investments, buying insurance, budgeting, or who doesn’t have the relationship with the family attorney, CPA, or financial advisor. Once separated or divorced, the “in spouse” already has the experience and relationships to transition financially but the out spouse has to start from scratch.

real fiduciary financial planner irvine

We are Real Fiduciaries.

This means we always put our client’s best interests first. A Real Fiduciary also means that we are not part-time fiduciaries. We put our client’s best interests first in all cases and at all times. Less than 8% of financial advisors are Real Fiduciaries. Read our fiduciary oath to see the principles we live by.

You have enough to think about right now - trusting your financial advisor shouldn't be something you have worry about! Choose a fiduciary financial advisor.

Nationally Recognized Financial Planner

Robert Pagliarini, has over 24 years of divorce financial planning. He is a Certified Divorce Financial Analyst, a CFP Ambassador, one of only 50 in the country, as well as an Enrolled Agent with the IRS. He has written several books and writes a financial column for Forbes.


Nationally Recognized Financial Planner

Robert Pagliarini, has over 24 years of divorce financial planning experience.He is a Certified Divorce Financial Analyst, a CFP Ambassador, one of only 50 in the country, as well as an Enrolled Agent with the IRS. He has written several books and writes a financial column for Forbes.


Choose a Certified Divorce Financial Analyst

Robert is a Certified Divorce Financial Analyst and we are known nationally for providing financial planning and investment advice to sudden wealth recipients. For the spouse that was not involved in the finances, suddenly being responsible for her share of assets and investments can feel overwhelming. As a child, Robert Pagliarini experienced the effects of his parents divorcing. As a result, he is passionate about helping clients manage their divorce. In addition to his master’s degrees in financial services and psychology, Robert has extensive training in the financial matters of divorce as a Certified Divorce Financial Analyst.

Email Courses to help you prepare for the financial realities of divorce

Financial expert and divorce financial planner Robert Pagliarini, PhD, CFP, EA provides easy-to-follow email courses to help you through it.

Surviving Divorce

A divorce can be one of the most challenging & difficult periods for a person...
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Surviving Divorce & Managing an Influx of New Wealth

Regardless of how affluent a couple is, there’s often a great deal of worry about...
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Divorce financial planners help you get your fair share during divorce.

If your finances are simple, it can be easy to evenly divide the assets, but if your finances are more complex (e.g., multiple homes, employer stock options, closely-held business, illiquid investments, separate property), this can become much more difficult. The solution is to answer these two questions: What do we own and what is it worth? If you are concerned that assets are not being disclosed, discuss this with your attorney and consider hiring a forensic accountant – basically a financial detective – to help uncover any undisclosed assets. The next issue is to arrive at a fair value for each asset. This is an area that is ripe for abuse.


We help you know what you'll have after the divorce.

This is a pervasive fear in divorce... and it’s completely justified! In a divorce, it is easy to get lost in the details and lose sight of the bigger picture. It’s critical to stay focused on what your finances will look like post-divorce. This starts by knowing not only how much you have, but WHAT you have and WHERE you will have it. As a divorce financial planner, we will help you understand what your finances will look like after the divorce.

For example, $600,000 equity in your house is very different from $600,000 of cash in the bank or $600,000 worth of stock in your ex-spouse’s business. Get rid of the fear by getting clear on your assets. When working with clients going through a divorce, we make sure you are not only getting your fair share but that you don’t get stuck with illiquid assets while your ex gets the cash.

We help you understand how your lifestyle will change after divorce.

This fear comes down to cash flow. After alimony, child support, employment income, investment income, and basic living expenses, how much money will I have left after the divorce? How much house can I afford? Can I still take trips twice a year? Do I have to fly coach now?

These are real concerns that keep many soon-to-be divorcees up at night. To squash this fear, we create a very simple post-divorce income and expense report for you so you can quickly see how your new finances will affect your lifestyle. We also map out not only what you can afford, but provide an investment plan so you can get the most from your assets.

It’s common and natural to experience a wide range of emotions – from worry to excitement to anger to contentment – when going through a divorce. For the out spouse that isn’t as financially savvy or who wasn’t involved in the couple’s finances, fear and uncertainty regarding money are all too common, but with some financial planning and Pacifica Wealth Advisors on your side, you can feel more confident about your future and your finances.

¹ Leonore J. Weitzman, “The Economics of Divorce: Social and Economic Consequences of Property, Alimony, and Child Support Awards” UCLA Law Review 28 (August, 1981): 1251; Richard R. Peterson, “A Re-Evaluation of the Economic Consequences of Divorce” American Sociological Review 61 (June, 1996): 528-536; Pamela J. Smock, “The Economic Costs of Marital Disruption for Young Women over the Past Two Decades” Demography 30 (August, 1993): 353-371


As divorce financial planners, we answer these questions

We've been helping people with emotional and financial aspects of divorce financial planning for over 26 years.

During a divorce, it is common to feel overwhelmed, confused, and unsure of who to turn to, which are all classic characteristics of a sudden wealth experience. The 12 Sudden Wealth Principles apply to the divorcee and you can learn about them free.

Reach us at (949) 305-0500