Before You Sign Anything
A financial clarity guide for women navigating divorce, and for those still quietly deciding.
The settlement you agree to will shape decades. Understanding it before you sign is not adversarial. It is responsible.
Send me the guideWhat is inside
The guide walks through the financial territory of divorce in plain language: the difference between what a settlement looks like on paper and what it is worth after taxes, the QDRO that retirement account division requires, the Social Security divorced spouse benefit that most women have never been told about, what keeping the house actually trades away, and what the transition to a single-income household asks of your cash flow and your credit.
None of it is written to alarm you. It is written so the questions worth asking are in front of you before the answers become permanent.
Who this is for
You do not need to have filed. You do not even need to have decided. Many women carry the question of divorce quietly for months or years before anything becomes official, and the financial picture is part of how they think it through.
This guide is for women in that contemplation phase, for women whose divorce is already in motion, and for women who are looking at settlement terms on paper and want to understand them before agreeing to anything. Wherever you are in that range, the information is the same. Only the timing differs.
About Teresa
Teresa McAlpine is a Certified Divorce Financial Analyst and the founder of Threshold Compass Strategies, a Wisconsin-based Registered Investment Advisory firm serving women in major life transitions. The CDFA credential exists for exactly the territory this guide covers: understanding the long-term financial consequences of settlement decisions before they are made. Teresa has spent her career working with women navigating divorce, widowhood, caregiving, and sudden inheritance.
Before You Sign Anything
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Threshold Compass Strategiesā„¢ is a Wisconsin-based Registered Investment Advisory Firm registered with the Wisconsin Department of Financial Institutions. Teresa McAlpine, CDFA, BFA, is a fee-based financial planner. This content is educational and is not personalized financial, legal, or tax advice.
