CASE STUDY 02
Rachel
Age: 42
Stage: Professional woman in the midst of divorce
Primary Goal: Navigate divorce with clarity, protect her financial future, and rebuild confidence.
✦ Her Story
Rachel is a successful marketing professional, earning a strong six-figure salary. She loves the creativity and pace of her career, but after 15 years of marriage, she now faces divorce — and the unraveling of the life she thought she had built.
She isn’t just dividing assets. She’s untangling everything at once:
A jointly owned home with equity
Retirement accounts funded by both spouses
Shared debt and household expenses
A husband who earns less than she does, raising questions of spousal support
Rachel admits she feels overwhelmed. She has a capable attorney, but the process feels isolating. She tries to keep up with yoga classes and dinners with friends, but behind the scenes, the stress feels constant. What she wants is a partner who can walk alongside her — someone to help organize the numbers, cut through the complexity, and bring clarity to the financial and emotional decisions ahead.
✦ Our Partnership
Rachel needed more than calculations. She needed an advocate and a roadmap. Together, we:
Outlined her immediate financial needs, including housing and cash flow.
Organized and completed the financial documents and disclosures required for her divorce paperwork.
Modeled settlement options to show the long-term impact of dividing property, investments, and retirement accounts.
Worked alongside her attorney to provide financial clarity that strengthened her case.
Built a step-by-step plan for transitioning her finances after the divorce.
Supported her in shifting her mindset from uncertainty and self-doubt to financial empowerment and independence.
✦ Her Results
Rachel now has:
A settlement strategy that balances immediate stability with long-term security, giving her a sense of security in housing, cash flow, and retirement assets.
A forward-looking view of how today’s choices shape her future, with ongoing adjustments as life unfolds.
A coordinated investment and savings plan: restarting retirement contributions, reallocating assets to align with her risk profile, and using tax-efficient accounts to strengthen long-term growth.
The confidence to advocate for herself in legal and financial conversations, backed by preparation and a clear understanding of her options.
The reassurance of not carrying the process alone, supported by a trusted partner who helps her stay grounded through the financial and emotional challenges of divorce.
Most importantly, Rachel sees herself not as someone starting over, but as someone stepping into a new chapter — what once felt like loss is becoming the foundation for her to thrive on her own path with resilience, strength, and the tools to make empowered decisions today and tomorrow.
Disclaimer: The above case study is hypothetical and does not involve an actual Innermost Wealth Management, LLC client. It is presented for illustrative and educational purposes only and is not intended to guarantee or predict future outcomes. No portion of this content should be construed as a guarantee that any current or prospective client will experience the same or similar results, or level of satisfaction, if Innermost Wealth Management, LLC is engaged to provide investment advisory services. Actual client outcomes will vary
If you’re navigating divorce, you don’t have to do it alone. Let’s create the clarity and confidence you need for your next chapter.
Financial planning case studies.
-
Emily | Maximizing Career & Benefits
Balancing equity compensation, career decisions, and family priorities can feel overwhelming. Emily found clarity in her finances, alignment with her husband, and confidence in her next steps without carrying the weight alone.
-
Rachel | Navigating Divorce
Divorce isn’t just about dividing assets. It’s about untangling the life you’ve built and finding a way forward. Rachel now has stability in her day-to-day finances, a long-term plan for her future, and the reassurance of knowing she doesn’t have to navigate it alone.
-
David & Ana | Family in Transition
Between supporting children, caring for a parent, and planning their own retirement, David and Ana were juggling competing priorities. With a comprehensive financial plan, they now balance today’s needs with tax-efficient strategies and a clear path toward their family’s future.