Episode 351: Protecting Your Financial Future During Divorce with Jamie Lima, CDFA®
The Divorce Survival Guide Podcast
Kate Anthony
4.4 • 573 Ratings
🗓️ 8 January 2026
⏱️ 37 minutes
🧾️ Download transcript
Summary
If you're going through divorce and feeling overwhelmed by the financial decisions in front of you, you are not imagining it. There is far more to divorce financial planning than most people are ever told. Divorce creates financial challenges that most traditional financial advisors simply are not trained to handle, which is why I invited Jamie Lima, a Certified Divorce Financial Analyst and the founder of Allegiant Divorce Solutions, to the show to help demystify the financial realities of divorce.
Jamie explains why dividing assets during divorce is rarely as straightforward as it seems, especially once taxes, retirement accounts, and long-term consequences are factored in. We talk about some of the most common and costly blind spots women face, including critical documents like QDROs, along with who actually carries the tax burden when assets are divided.
Throughout the conversation, we come back to one essential truth. You should not be navigating this alone. Divorce requires a team, and having the right financial expertise can protect your future long after the paperwork is signed.
What you'll hear about in this episode:
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What a Certified Divorce Financial Analyst does and why divorce financial planning is different from traditional financial planning (2:02)
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What a QDRO is, how it works, and why it is essential when retirement accounts and pensions are involved (7:38)
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How after tax value changes the true worth of assets in a divorce settlement (17:43)
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The most common financial mistakes people make during divorce and what Jamie wishes everyone knew before signing an agreement (31:28)
Learn more about Jamie Lima, CDFA®: After watching her parents go through a divorce at a young age, and experiencing a tremendously expensive and emotionally draining divorce herself in 2017, she launched Allegiant Divorce Solutions as a sister company to her traditional financial planning firm.
She recognizes the challenges people face as they decide how to handle their finances during divorce. Her parents struggled, and it was challenging for her as well. Looking back, there were mistakes she made during her own divorce that could have been avoided had she had the support of a Certified Divorce Financial Analyst ®.
At present, armed with this ever growing knowledge and almost 20 years of financial planning experience, she is dedicated to helping her clients navigate the complex aspects of divorce and gain a fair settlement, with much less stress.
Resources & Links:
Get Your Curated Podcast Playlist
Focused Strategy Sessions with Kate
The Divorce Survival Guide Resource Bundle
Phoenix Rising: A Divorce Empowerment Collective
Kate on Instagram
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Kate's Substack Newsletter: Divorce Coaching Dispatch
The Divorce Survival Guide Podcast Episodes are also available YouTube!
Jamie's website
Jamie on LinkedIn
Jamie on Instagram
Jamie on TikTok
Jamie on Facebook
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DISCLAIMER: THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL OR PSYCHOLOGICAL ADVICE. YOU SHOULD CONTACT AN ATTORNEY, COACH, OR THERAPIST IN YOUR STATE TO OBTAIN ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.
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Episode link: https://kateanthony.com/podcast/episode-351-protecting-your-financial-future-during-divorce-with-jamie-lima-cdfa/
Transcript
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| 0:00.0 | I didn't have a budget my old life. Why don't we need a new budget money? But literally, every decision you make in divorce stems from understanding what's coming in and what's going out. If you don't take a beat, sit down and go, okay, like, what is my new life that look like? Less of a power position from a negotiation perspective. You may settle on a support number that's not going to get you to where you need to be. And if you don't know all this stuff, you're kind of grasping at straws. |
| 0:24.1 | And you may in a situation where you have a house you can't afford, you have more |
| 0:28.6 | month than money, which is a problem for all of us, at some point in our lives. |
| 0:34.8 | And the goals and objectives that you have for your future can't be |
| 0:38.5 | achieved because you're just not preparing and not taking that initial elementary step is huge. |
| 0:48.1 | Welcome to the Divorce Survival Guide podcast, where we have open and honest conversations about co-parenting, separation, |
| 0:56.6 | divorce, and the hardest question of all, should you stay or should you go? |
| 1:02.2 | I'm Kate Anthony, your divorce survival guide, and I'm here to help you navigate some of the |
| 1:07.9 | roughest waters you've ever swum in and answer some of your toughest questions. |
| 1:12.9 | I've been to hell and back. And now it's my mission in life to help you get to the other side of |
| 1:18.8 | this process with your sanity and your heart intact. Hey everyone, welcome back. I am super excited today to have this conversation with Jamie Lima. |
| 1:35.0 | Jamie is a certified divorce financial analyst. You know, I talk about them all the time on |
| 1:41.1 | this show. He is the founder of Allegiant Divorce Solutions. And he also is the primary |
| 1:49.9 | financial expert on the platform, My Next Chapter, which we have talked about before on the show. |
| 1:58.5 | Jamie, thank you so much. Welcome for, welcome to the show. I kind of want to |
| 2:02.4 | start off with the basics. Like 101. What is a CDFA? How is that different from being a financial |
| 2:12.7 | advisor, for example? Why do people need a CDFA? |
| 2:23.4 | I think the biggest difference is, and I have a background in traditional financial planning, as you know, I've been doing that work for 20 years now. And the reality is that a lot of my |
| 2:31.6 | peers in that space and even myself up until getting this designation |
| 2:35.9 | and working in this area full time now, there's just, there's a lot more to divorce financial |
| 2:45.5 | planning than people think. You know, like even when I went through my, even when I went through my own |
| 2:50.8 | divorce back in |
... |
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