FINANCIAL GUIDANCE, CLARIFIED
Frequently Asked Questions
Unhitched & Rich helps women understand the financial decisions that come before, during and after divorce.
These are some of the most common questions women have about divorce finances, settlements, housing, retirement, financial planning and what happens next.
Unhitched & Rich provides financial planning guidance for women before, during and after divorce.
Founded by Beth Rehberg, CFP®, Unhitched & Rich helps women understand their financial picture, evaluate the real-life consequences of financial decisions and create a clearer plan for what comes next.
The focus is not simply on what an asset is worth. It is understanding what that asset can actually do for your life.
You do not have to wait until your divorce is final to get financial planning help.
In many cases, speaking with a financial planner before major decisions are made can help you understand the impact of different choices involving your home, cash, retirement accounts, investments and future spending.
Unhitched & Rich works with women before divorce, during settlement discussions, before an agreement is signed and after the divorce is complete.
Absolutely.
You do not need to arrive knowing how every account works or feeling confident about money.
Many women come to Unhitched & Rich because their spouse historically managed investments, taxes, retirement planning or household finances.
Beth helps you understand what you own, what you owe, how the pieces fit together and which financial decisions need your attention next.
No.
Financial planning can be helpful before, during or after divorce.
If you are still negotiating, Beth can help you understand the financial implications of the options in front of you. If your divorce is already complete, she can help you turn the assets and decisions you are left with into a plan for the future.
Start with the Financial Readiness Score.
It is a free assessment designed to help women see which parts of their financial life are clear, where there may still be gaps and what deserves attention next.
It takes only a few minutes and gives you a practical place to begin without committing to a consultation.
Can Unhitched & Rich help me understand whether my divorce settlement will actually work for me?
Yes. A divorce settlement can look fair on paper and still create challenges with monthly cash flow, taxes, liquidity, housing or retirement. Unhitched & Rich helps you look beyond the headline value of the settlement and understand what the assets you receive may mean for your day-to-day life and long-term financial future. Beth does not provide legal advice or determine what you are legally entitled to. She helps you understand the financial implications of the choices you are considering.
How do I decide between cash, the house and retirement assets in a divorce settlement?
Assets with similar dollar values can have very different financial consequences. Cash provides immediate liquidity. A home comes with ongoing expenses. Retirement accounts may have tax consequences and restrictions on when the money can be accessed. Beth helps you evaluate those tradeoffs in the context of your own cash flow, housing needs, retirement plans and financial priorities. Your lawyer can advise you on the legal terms of the settlement. Beth helps you understand what the different options may mean for your financial life.
Can you help me figure out whether I can afford to keep the house after divorce?
Yes. Housing is one of the biggest financial decisions many women face during divorce. Beth can help you look at the full cost of keeping the home, including mortgage payments, property taxes, maintenance, insurance, cash flow and the impact the decision may have on your other financial goals. The question is not only whether you can receive the house in the settlement. It is whether keeping it works within the financial life you will have afterward.
What financial questions should I ask before signing a divorce settlement?
Before signing a divorce settlement, it can be helpful to understand more than the dollar value of the assets you are receiving.
Important questions may include: What will my monthly cash flow look like? How liquid are the assets I am receiving? Are there tax consequences? Can I afford the home long term? How will this affect my retirement? Which assets will actually support the life I need to fund?
Beth helps you work through those questions so you can understand the financial consequences of the agreement you are considering.
What if my divorce is already over?
Unhitched & Rich works with women after divorce too.
Once the settlement is complete, you may suddenly have accounts, assets and financial decisions that are entirely yours to manage. That can include deciding what to do with settlement proceeds, creating a new spending plan, reviewing housing choices, rebuilding retirement projections and determining which financial priorities come first.
The end of the legal process is often the beginning of the financial planning process.
What happens to retirement planning after divorce?
Divorce can change your retirement picture significantly.
Your income, assets, retirement accounts, housing costs and future expenses may all be different from what you originally planned.
Beth can help you reassess where you stand, understand the retirement assets available to you and build new projections based on the financial life you will actually be funding after divorce.
How do I rebuild my financial plan after divorce?
Start by understanding your new financial reality.
That means looking at your income, spending, assets, debts, housing costs, retirement picture and the decisions that need attention next.
Beth helps you bring those pieces together so you can move from reacting to individual financial questions to making decisions within a broader plan.
You do not need to solve everything at once. The goal is to get clear on what matters most and what to do next.
What is the Wealth Reset Intensive?
The Wealth Reset Intensive is a focused financial planning engagement for women navigating the financial decisions around divorce.
Beth helps you understand where you stand, identify the decisions that matter most and create a clear plan for what comes next.
Depending on your situation, the work may include: cash flow; housing; assets and liabilities; liquidity; retirement planning; taxes and account types; financial priorities; next-step planning.
The goal is to turn a collection of financial pieces into a plan you can actually use.
What happens during the free consultation?
The free consultation is an opportunity to tell Beth what is happening, what financial questions you are facing and where you feel unclear.
Beth will help determine whether Unhitched & Rich is the right kind of support for your situation and explain what the appropriate next step would be.
You do not need to have your finances perfectly organized before the conversation.
Can Beth work with my lawyer, mediator, accountant or financial advisor?
Yes.
With your permission, Beth can collaborate with the professionals already helping you when that coordination would be useful.
Unhitched & Rich is designed to complement legal, tax, mediation, therapy and other professional support rather than replace it.
Does Unhitched & Rich manage my investments?
No.
Unhitched & Rich is focused on financial planning and decision support rather than ongoing investment management.
Beth can help you understand your investment and retirement picture, identify decisions that need attention and determine what questions you may need to ask an investment advisor.
Is Unhitched & Rich the same thing as hiring a divorce lawyer?
No.
A divorce lawyer advises you on your legal rights, obligations, negotiations and settlement.
Unhitched & Rich focuses on the financial planning side of those decisions: what different choices may mean for your cash flow, housing, retirement, liquidity and future financial life.
The two roles are designed to complement one another.
Is Unhitched & Rich the same as working with a CDFA®?
Not necessarily.
A Certified Divorce Financial Analyst® may focus specifically on the financial analysis involved in the divorce and settlement process.
Unhitched & Rich takes a broader financial-planning approach to the woman’s life before, during and after divorce.
If you already have a CDFA®, lawyer, accountant or financial professional involved, Beth can work alongside your existing professional team where appropriate.
Do I still need a lawyer if I work with Beth?
Yes, if you need legal advice.
Beth does not provide legal advice or replace a divorce lawyer.
A lawyer helps you understand your legal rights and the terms of your divorce. Beth helps you understand what those financial decisions may mean for your life afterward.
What financial questions should I take to my lawyer versus Beth?
Your lawyer is the right person for questions about your legal rights, obligations, negotiations and the terms of your settlement.
Beth is the right person for questions about how those financial choices may affect your cash flow, housing, retirement, liquidity and long-term financial plan.
In many cases, the two conversations support each other.
YOUR NEXT STEP
If you have financial questions and want to talk them through, start with a free consultation. If you are not ready for a conversation yet, take the Financial Readiness Score to see where you stand.
