Grey divorce asset division requires careful evaluation of retirement funds, property, and investments to ensure fair distribution

Dividing assets in a later-life divorce requires special consideration due to the complex financial portfolios typically accumulated over decades of marriage. Equitable distribution of assets must account for both partners’ retirement security and living standards.

Key assets that require careful evaluation include:

  • Pension and retirement accounts including CPP credits, RRSPs, and workplace pensions
  • Real estate holdings including the family home, vacation properties, and investment properties
  • Investment portfolios such as stocks, bonds, and mutual funds
  • Insurance policies and their cash surrender values
  • Business interests and professional practices

Working with a Certified Divorce Financial Analyst (CDFA) is highly recommended to understand tax implications, pension division rules, and long-term financial impacts of different settlement options. This expertise helps ensure both parties can maintain financial stability post-divorce.