Divorce Money Mistakes: What Financial Planners Know That You Don't

🎧 Listen to this episode if:

• You're about to go through property settlement in divorce

• You're focused on the percentage but unsure what it actually means

• You're dealing with complex finances (trusts, companies, super, shares) or Simple Property Settlement

• You want to avoid making a financial mistake that costs you years

• You're wondering whether to take the house, cash, super or investments

⚖️ Legal Disclaimer & ⚠️ Family Violence Trigger Warning

This episode contains discussion of family violence, coercive control, and financial control, which may be distressing for some listeners.

If you are unsafe or need support:
📞 1800 RESPECT – 1800 737 732
📞 Lifeline – 13 11 14
🚨 In an emergency, call 000

This podcast provides general educational information only and is not legal or financial advice. Please seek professional guidance tailored to your situation.

Most people going through property settlement are focused on one thing…

👉 What percentage am I going to get?

But here's what most people don't realise…

Two people can walk away with the same 50/50 split and end up in completely different financial positions.

Because it's not just about the percentage…
👉 it's about what that percentage actually looks like in your life.

In this episode, Mum and I sit down with financial planner Pedro Marin and break down the four key steps a financial planner takes during property settlement so you can avoid costly mistakes and actually set yourself up for your future.

We talk about everything from figuring out what's in your property pool, to deciding how to structure your settlement, to planning your future and finally, making sure everything is actually set up properly after the deal is done.

Because getting a settlement is one thing…
👉 making it work for your life is another.

⏱️ Episode Timeline

00:00 – Divorce Property Settlement: It's Not Just the Percentage
01:22 – Meet Financial Planner Pedro Marin
04:04 – Why Financial Planning Matters in Divorce
08:01 – Step 1: Mapping Your Property Pool in Divorce
10:46 – Trusts & Companies in Divorce Explained
12:46 – Step 2: How to Structure Your Property Settlement
15:41 – Cash vs Property vs Super vs Shares in Divorce
23:20 – Step 3: Planning Your Financial Future After Divorce
24:48 – Financial Advice Risks: What You Need to Know
25:32 – Setting Financial Goals After Separation
28:58 – When to Start Financial Planning in Divorce
32:41 – Using the Same Financial Planner as Your Ex
34:52 – Budgeting for Mediation & Property Settlement
37:30 – Step 4: Implementing Your Divorce Settlement
40:20 – Insurance, Risk & Protection After Divorce
43:49 – Wills, Estate Planning & Protecting Your Children
47:25 – Biggest Mistake: Emotional Decisions in Divorce
49:35 – How to Work With a Financial Planner (Pedro Marin)
51:19 – Final Takeaways & Legal Disclaimer

🎧 Additional Episodes Mentioned

• Weapons of Tax Destruction https://youtu.be/tsDlMphLRWk?si=1Fbpw7XJy9jxCK20

• Living Arrangements: Should You Keep or Sell the House? https://youtu.be/wknV5CB90yY?si=HGwH5m1AtXba5k7G

🔗 Links & Resources

• 🌐 Marin Wealth: https://marinwealth.com.au/

• 📥 Free Checklists: https://thedivorcecourse.com.au

• 1800 RESPECT – 1800 737 732

• Lifeline – 13 11 14

If this episode helped you think differently about your property settlement, make sure you follow, rate, review, and share the podcast — because someone else out there needs to hear this before they make a costly mistake.