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Divorce Financial Coaching & Financial Neutral Service

During the divorce process, it's common for a couple or individual to be so focused on the intricacies of their divorce that they forget the important implications a divorce has on their finances. 

Whether one spouse needs assistance in understanding their finances or you both want options for the division of your finances, a Certified Divorce Financial Analyst plays a key role in helping you avoid financial pitfalls and create the most adventitious agreements at the time of divorce

Work with Individuals

Many spouses find themselves confused and feeling "left behind" when it comes to their finances at the time of divorce. 


As a Divorce Financial Coach, I assist my client with divorce financial coaching services in:

  • Planning financial goals for the future

  • Understanding their finances now, and how their agreements during their divorce will effect their future

  • Budget planning

  • Financial disclosures

  • Avoiding financial pitfalls

  • Creating negotiated offers that address your specific needs and goals for the future

  • Building your financial confidence

Work with Couples

Are you and your partner looking for a financial agreement that will not only be fair, but address each of your goals for the future?   


As a Financial Neutral and CDFA, I assist my client with financial neutral service in:

  • Avoiding financial pitfalls, such as tax or fee implications

  • Creating plan options for the division of their finances that are fair and addresses each of their needs

  • Reviewing their goals for the future and helping them align their financial division at divorce accordingly

  • Creative approaches for dividing assets

We can assist you and your partner in reaching a mutual solution to the difficult discussion of asset and debt division.

Largest Divorce Financial Pitfalls


All of your assets are not taxed the same, so why value them the same? 

You must understand the taxability of each asset before it is divided or traded for another asset.

Big Picture

While it is helpful to look at each portion of your assets and debts individually, ultimately your individual agreements must fit together to make a complete picture.  

If you focus on only the individual agreements, you risk creating an overarching agreement that will not work long-term.

Rushing the Process

Understandably, you may want to complete your divorce process as quickly as possible.  

But you mustn't be moving so quickly that you don't understand the implication of your agreements.  Once final, most divorce agreements cannot be changed.

Future Goals

While you may be focused on getting through the next week, month, or year, your financial agreements at the time of divorce will affect you long into the future.
It is important to understand your long-term financial goals to better create agreements today that will help you reach those goals in the future.

Improper Valuation

Each of your assets has a "value," which will determine how it is divided.  

Each asset must be valued properly to provide for an accurate division of all assets and debts.

Financial Disclosure

All financial disclosures should be complete prior to making agreements about the division of your assets and debts.  

It is important to know what assets and debts you have, so you can make knowledgeable agreements accordingly.


Distanced Couple

Divorce How-To Guide

Better understand your divorce process and options, logistics of filing, professionals to add to your divorce team, and more.

Legal Consultant

Divorce Quiz

Which divorce process (litigation, mediation, document preparation) is right for you?

Avoid financial pitfalls and have confidence in your financial agreements with our divorce financial coaching today!

  • 4. What are the benefits of these services?
    Our legal document preparation services benefit in a lot of ways, like Affordable and simple approach to finalizing your divorce or parenting plan agreements without hiring an expensive attorney. Simple forms to complete online, at your own pace, and draft all the necessary paperwork for the court. Unlimited email communication and revision of your documents. Easy to follow directions for completing your filing with the court. Convenience package that assists with signing, notarization, and filing of your documents.
  • 2. How long does your preparation service take?
    There is no specific duration for our document preparation services, although the shortest your divorce can be in Arizona is 60 days. Typically, once all necessary forms are completed, drafting court documents usually takes approximately one week. However, timelines can vary based on case complexity and the availability of our document preparer. For a more accurate estimate of time and cost, we recommend scheduling a complimentary consultation with us.
  • 1. Who handles legal document preparation?
    Kristyn Carmichael, the owner of Couples Solutions Center, also serves as a professional mediator and certified divorce financial analyst. As the designated legal doc preparer, she takes charge of preparing and filing all necessary legal documents for cases within Arizona. However, divorces outside of Arizona require assistance from another qualified professional.
  • 3. Can I make changes to filed documents after submission?
    Once your documents are filed with the court, making changes typically requires filing a motion or an amendment. We strongly advise you to thoroughly review your documents before filing to ensure they accurately reflect your agreements. If you have any queries or concerns, feel free to contact us.
  • 1. What are the qualifications and credentials of your mediator?
    Kristyn Carmichael, an experienced relationship mediator in Phoenix, Licensed Arizona attorney and Certified Divorce Financial Analyst. Is certified by the Academy of Professional Family Mediators after completing mediation training programs. Specializes in pre-marital, divorce, and parenting mediation services. Offers divorce financial coaching and document preparation. Is an expert in helping couples navigate various stages of their relationship through effective mediation strategies. Training Director for the Lodestar Dispute Resolutions Center at Arizona State University College of Law Learn more here.
  • 2. How long do the mediation sessions last?
    Our mediation sessions are 1 to 2 hours long each, depending on your schedule and the complexity of the issues needed to be discussed. The number of sessions depends on the needs and goals of the couple. We offer a free consultation for both fiancés to meet the couple's mediator in Phoenix and learn about the process.
  • 4. What are the benefits of your mediation service?
    Pre-marital mediation services: Allow couples to communicate constructively and respectfully about their expectations, values, and goals for their relationship. Help couples address potential areas of conflict, such as finances, beliefs, parenting, household responsibilities, and intimacy, and to find mutually beneficial solutions. Strengthen the bond and trust between partners by fostering a collaborative and supportive environment. Protect both partners’ interests and assets by creating a premarital (prenuptial) agreement that reflects their needs and preferences. Reduce the risk of divorce or separation by enhancing the couple’s skills and confidence in handling challenges and changes in their marriage.
  • 3. How much does couples mediation cost?
    Our mediation services offer a flat fee structure tailored to the complexity of your case and the number of required meetings. This approach typically results in costs that are approximately 85% lower than hiring attorneys. We do not disclose the exact fee on our website, but we invite you to schedule a complimentary consultation to learn more about our pricing.
  • 3. How long does the mediation take at Couples Solutions Center?
    The duration of our divorce mediation service depends on several factors, such as: Level of cooperation and communication between you and your spouse Number and complexity of the issues to be resolved Availability of both parties and the mediator In general, it takes 3 to 5 months, compared to 8 months to over a year for a divorce in court. You have more control over your timeline and can schedule your mediation sessions online or in-person for 2 hours at a time.
  • 1. Who is the mediator at Couples Solutions Center?
    The divorce mediation mediator at Couples Solutions Center is Kristyn Carmichael. She is an experienced family mediator and certified divorce financial analyst (CDFA®). She has helped hundreds of clients find solutions for themselves and their families.
  • 2. How much does the mediation cost?
    We offer a flat fee for divorce mediation in Phoenix, which includes All the mediation sessions, The preparation of a comprehensive mediated settlement agreement, and The drafting and filing of all the necessary court documents. The flat fee varies depending on the complexity of your case and the number of issues to be resolved, but it is typically 85% less expensive than hiring attorneys. Schedule a complimentary consultation with us to get a quote for your specific situation.
  • 4. What are the benefits of mediation?
    Divorce mediation at Couples Solutions Center help You and your spouse have the power to make your own decisions, rather than a judge imposing a one-size-fits-all solution on you. You protect your privacy and confidentiality, as mediation is not a public record and does not involve airing your personal issues in a courtroom. You reduce the stress and conflict that often accompany litigation, and preserve a respectful relationship with your spouse, especially if you have children together. You save time and money, as mediation is faster and cheaper than going to court. You tailor your agreements to your family’s unique needs and goals, rather than following a standard formula.
  • 3. How long are the coaching sessions?
    Our coaching sessions are tailored to the individual or couple’s needs and goals. We do not have a fixed duration or frequency for the sessions, but we do offer a free divorce how-to guide and a complimentary consultation to get started.
  • 2. How much do your financial coaching services cost?
    Our divorce financial coaching does not have a one-size-fits-all price. The cost depends on several factors, including: The type of coaching you need The length of your coaching engagement The complexity of your financial situation However, we do offer a complimentary 30-minute consultation to discuss your specific needs and give you a personalized quote. Schedule your consultation by clicking here or by calling us at (480) 573-3317.
  • 4. What are its benefits?
    Our divorce financial coaching and financial neutral services: Help clients understand their current financial situation and future needs, as well as the tax and legal implications of various settlement options Provide unbiased and objective advice that is tailored to each client’s goals and values Work collaboratively with the clients and their attorneys or mediators to find creative and fair solutions that minimize conflict and maximize satisfaction Save clients time and money by reducing the need for multiple experts and avoiding costly mistakes
  • 1. What credentials do you hold for your services?
    Kristyn Carmichael is a divorce financial coach who has the following qualifications: Licensed Arizona attorney and a professional family mediator. Certified Divorce Financial Analyst (CDFA) who can help clients understand the implications of their financial separation and find creative solutions that address their financial goals. Lodestar Dispute Resolution Training Director at Arizona State University Sandra Day O’Connor College of Law. Conference Committee Chair of the Academy of Professional Family Mediators (APFM) and a former board member and secretary of the same organization.
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