Getting to a signed agreement can feel like the end of an exhausting process, and in many ways, it is. But it's also the beginning of your financial life as a separate household.

Once the settlement is complete, there are important financial questions that still need to be answered: How should the assets you've received be invested? How much
should remain liquid? What will your cash flow look like? How should your portfolio change now that your financial circumstances and goals are different? And how do you build a plan that gives you confidence not just today, but five, ten or twenty years from now?
That's where I come in. I work alongside your legal team, taking the financial picture created by the settlement and turning it into a practical investment and financial plan for your next chapter.
Turning the Settlement Into a Financial Plan

A settlement can leave you with a combination of cash, investment accounts, retirement assets, real estate and other property. The question isn't simply what you received. It's how those assets work together to support the life you want to build.

Building the Right Investment Strategy

Your investment strategy after a separation may need to look very different from the one you had during the marriage.
I look at your complete financial picture, including your income, spending needs, tax situation, investment assets, retirement goals and comfort with risk, and build a portfolio around your circumstances.

The goal isn't simply to invest the money. It's to understand what the money needs to do for you. Creating a
Sustainable Cash-Flow Plan Your financial life may now involve one income instead of two, a different housing situation, new expenses or a different retirement timeline.

I model your expected cash flow and investment needs so you can see how your assets, income
and spending work together, and whether your plan remains sustainable under different market conditions.

Making the Most of Your New Asset Mix

A settlement can leave someone with assets that were never designed to work together: a pension, RRSPs, TFSAs, non-registered investments, cash or proceeds from a
property.

I help bring those pieces together into one coordinated strategy, considering tax efficiency, liquidity, diversification, risk and long-term growth. 

Investing With a Long-Term Perspective
The period immediately following a separation can create a strong desire to make everything feel settled quickly. But investing doesn't have to happen all at once. 

I believe in taking the time to understand the plan, establish the right structure and make investment decisions deliberately. Sometimes the best decision is to act.
Sometimes it's to wait.

The important thing is knowing why you're doing either one.

How I Work With You

• Understand what you've received and what each asset needs to accomplish.
• Build an investment strategy around your new financial circumstances, goals and risk tolerance.
• Create a cash-flow plan that shows how your income and investments can support your lifestyle.
• Coordinate your accounts across RRSPs, TFSAs, non-registered investments and other assets.
• Consider tax and liquidity when deciding where different assets should be held.
• Stress-test the plan against different market and spending scenarios.
• Work alongside your family lawyer and other professionals, so the financial plan complements the settlement rather than competing with it.

For Family Lawyers

My role begins where the settlement starts to become a financial life.

I work alongside family lawyers by helping clients take the assets and financial decisions resulting from their settlement and turn them into a long-term investment and financial plan.

The lawyer helps establish the settlement. I help the client build what comes next.

Contact Ilan Zor