Divorce FAQ: Empower Your New Beginning: Comprehensive Ontario

Will I receive spousal support?Ken Maynard CDFA, Acc.FM2025-06-30T10:34:48-04:00

Spousal support eligibility depends on multiple factors including need, ability to pay, marriage length, and individual circumstances.

Determining spousal support (also called maintenance) requires careful evaluation of your specific situation. The courts consider several key factors when assessing both eligibility and payment terms:

  • Financial Need: Your ability to self-support through income, investments, or assets
  • Paying Spouse’s Means: The other party’s capacity to provide support while maintaining a reasonable standard of living
  • Marriage Duration: Longer marriages (20+ years) typically qualify for indefinite support, while shorter marriages without children may not qualify
  • Personal Circumstances: The age, health, and employment status of both parties
  • Economic Disadvantages: Career sacrifices or reduced earning capacity due to the marriage

Since each case presents unique circumstances that affect support calculations, consulting with a qualified family law lawyer is essential to understand your specific entitlements and obligations.

My RRSP is in my name only, is it considered matrimonial property?Ken Maynard CDFA, Acc.FM2025-06-30T10:35:17-04:00

RRSPs are typically considered matrimonial property regardless of account ownership

In most Canadian provinces, RRSPs acquired during marriage are considered matrimonial property regardless of whose name appears on the account. The increase in value of these retirement savings may also be subject to division, even if the RRSP existed before marriage.

  • Tax implications must be considered when valuing and dividing RRSPs
  • Tax-free transfers between spouses are possible through specific provisions
  • Provincial laws vary on how pre-marriage RRSP values are treated
  • A Certified Divorce Financial Analyst (CDFA) can provide guidance on optimal division strategies
Will I be able to keep some or all my pension?Ken Maynard CDFA, Acc.FM2025-06-30T10:48:05-04:00

Pensions earned during marriage are typically divided, but arrangements can be made to keep them intact

In Canadian family law, pension and retirement benefits are considered matrimonial assets subject to division when earned during the marriage. However, there are several options for handling pension division:

  • The portion earned before marriage typically remains with the pension holder
  • Only the value accumulated during the marriage is subject to division
  • You may negotiate a pension offset arrangement where you keep your pension in exchange for other assets of equal value
  • Some pension plans offer direct division options through the plan administrator

Working with a qualified family law professional can help determine the most advantageous way to handle pension division while ensuring a fair settlement for both parties.

What if the house was in my name initially and after we got married I added my spouse’s name?Ken Maynard CDFA, Acc.FM2025-06-30T10:36:35-04:00

Adding a spouse’s name to house title typically makes it shared matrimonial property

When you add your spouse’s name to a house title after marriage, the property generally becomes matrimonial property under Canadian family law, regardless of initial ownership. This means both spouses may have equal rights to the property’s value during divorce proceedings.

  • The act of adding a spouse’s name may be considered a “presumptive gift” under the law
  • Living together in the home during marriage typically qualifies it as matrimonial property
  • Original ownership or whose name appears on the title becomes less relevant
  • Provincial and territorial laws may have specific regulations about property division

Given the complex legal implications, consulting with a qualified family law lawyer is essential to understand your specific rights and options regarding property division in your jurisdiction.

Is it necessary to go to family courtKen Maynard CDFA, Acc.FM2025-07-11T15:41:18-04:00

Court is rarely necessary – over 95% of family law cases settle outside court

Going to family court is typically only necessary when couples cannot reach an agreement through other means. Alternative dispute resolution methods are often more cost-effective, faster, and less stressful than court proceedings. Working with a family law professional, you can explore several out-of-court options:

  • Mediation – A neutral third party helps facilitate discussion and negotiation
  • Collaborative practice – Both parties and their lawyers work together cooperatively
  • Negotiated settlements – Lawyers negotiate directly to reach an agreement
  • Arbitration – A private decision-maker helps resolve specific issues

Your family law lawyer can help determine which alternative dispute resolution method best suits your specific situation and circumstances.

Can I still get a divorce if my child custody or support has not been settled?Ken Maynard CDFA, Acc.FM2024-08-13T14:58:19-04:00

 Probably not. One of the statutory bars to divorce is the lack of proper, reasonable arrangements for the care of the children. The court will be very reluctant to order a divorce where the parties have yet to determine support or devise a parenting plan.

What is an uncontested divorce in Ontario?Ken Maynard CDFA, Acc.FM2024-08-13T15:12:08-04:00

An uncontested divorce in Ontario is when both parties agree on all issues related to the divorce, including child custody, child support, division of property, and spousal support.

Steps after divorce is final?Ken Maynard CDFA, Acc.FM2024-08-13T15:13:21-04:00
What is the cost of DivorceMate software?Ken Maynard CDFA, Acc.FM2024-05-29T18:48:25-04:00

DivorceMate software is available to legal professionals through a subscription model, with detailed pricing information on their website. Public users can access MySupportCalculator, which offers a different pricing structure.

Where can I find DivorceMate training videos?Ken Maynard CDFA, Acc.FM2024-05-29T18:50:39-04:00

DivorceMate training videos are available to legal professionals on the DivorceMate website. Public users can find similar instructional content on the MySupportCalculator website.

Are there winners and losers in amicable divorce mediation?Ken Maynard CDFA, Acc.FM2025-06-16T13:00:42-04:00

Mediation aims for mutual benefit through collaborative compromise rather than winners and losers

Divorce mediation is designed to create positive outcomes for both parties through a balanced negotiation process. While neither spouse may get everything they want, the goal is reaching a mutually acceptable agreement that serves everyone’s core interests.

The mediation process offers several key advantages:

  • Both parties have equal opportunity to voice concerns and priorities
  • A neutral mediator ensures fair and balanced discussions
  • Sessions can extend across multiple meetings until agreement is reached
  • Neither party is pressured to accept unfavourable terms
  • The final agreement carries full legal weight once signed

Success in mediation requires both spouses to approach negotiations with a spirit of compromise and willingness to find middle ground. While the outcome may not be perfect for either party, it should represent a workable solution that allows both to move forward constructively with their lives.

Do I need a lawyer for an amicable divorce?Ken Maynard CDFA, Acc.FM2024-08-13T15:18:01-04:00

No, you don’t necessarily need a lawyer for an amicable divorce, but legal advice is still beneficial. A Divorce Mediator or Certified Divorce Financial Analyst can help you reach a fair agreement without escalating conflicts.

What steps should I take to start an amicable divorce in Ontario?Ken Maynard CDFA, Acc.FM2024-05-12T16:54:04-04:00

Begin by discussing your intentions openly with your spouse to ensure both parties are on the same page. Next, consult a lawyer who specializes in amicable divorces or mediation. It’s also helpful to collect all relevant financial documents and create a comprehensive list of assets and liabilities.

How does an amicable divorce differ from a typical divorce process?Ken Maynard CDFA, Acc.FM2024-05-12T16:53:18-04:00

Unlike typical contentious divorces, an amicable divorce usually involves less emotional distress and lower financial costs due to reduced legal battles. It often relies on negotiation and mediation instead of court hearings, providing a more cooperative path to separation.

Is it possible to have a friendly divorce with children involved?Ken Maynard CDFA, Acc.FM2024-05-12T16:52:33-04:00

Yes, it is possible to have a friendly divorce with children involved by focusing on co-parenting and putting the children’s needs first. Structured parenting plans and open communication can help maintain stability and a positive environment for the children.

What should be included in an amicable separation agreement?Ken Maynard CDFA, Acc.FM2024-05-12T16:51:21-04:00

An amicable separation agreement should cover all aspects of the separation, including division of assets, debt responsibilities, spousal support, child custody and support arrangements, and any other specific considerations relevant to your circumstances. Legal advice is recommended to ensure compliance.

Can you recommend strategies for negotiating an amicable divorce settlement?Ken Maynard CDFA, Acc.FM2024-05-12T16:50:38-04:00

uccessful strategies include setting clear goals, maintaining open lines of communication, and possibly engaging a mediator or financial analyst. Understanding each party’s priorities and being prepared to compromise are also crucial in reaching an amicable settlement.

What are the benefits of an amicable divorce?Ken Maynard CDFA, Acc.FM2024-05-12T16:48:50-04:00

Benefits of an amicable divorce include reduced emotional stress, lower legal costs, and a quicker resolution compared to contested divorces. It also allows for more personalized agreements and can be particularly beneficial for children, providing a less contentious environment.

How can I ensure my divorce remains amicable?Ken Maynard CDFA, Acc.FM2024-05-12T16:48:04-04:00

To ensure an amicable divorce, prioritize open communication, mutual respect, and compromise. Engaging a mediator can also facilitate smoother negotiations. Being clear about your needs while being considerate of your partner’s perspective is key.

What’s the procedure for an automatic divorce in Canada?Ken Maynard CDFA, Acc.FM2023-08-27T17:12:24-04:00

The process involves filing a divorce application with the court, finalizing a separation agreement, and observing a one-year separation period. If there’s mutual agreement, the divorce can proceed without court intervention.

How are assets and property managed in an automatic divorce?Ken Maynard CDFA, Acc.FM2023-08-27T17:12:27-04:00

The province’s laws, where the couple resides, govern the division of assets and property. It’s prudent for both parties to obtain legal advice to ensure assets are divided fairly.

How does a legal divorce differ from an automatic one in Canada?Ken Maynard CDFA, Acc.FM2023-08-27T17:12:29-04:00

A legal divorce requires a court hearing and is obtained through the court system. On the other hand, an automatic divorce aka Desk Divorce bypasses the court appearance if couples meet the necessary criteria.

What’s the separation duration for automatic divorce eligibility?Ken Maynard CDFA, Acc.FM2023-08-27T17:12:32-04:00

To qualify for an automatic divorce in Canada, couples must live separately for at least one year.

What does “automatic divorce” mean in Canada?Ken Maynard CDFA, Acc.FM2023-08-27T17:12:34-04:00

In Canada, an “automatic divorce” aka Desk Divorce signifies the end of a marriage without needing a court appearance. This method is available when couples have lived apart for at least one year and mutually agree to divorce.

What if I know nothing about our family finances?Ken Maynard CDFA, Acc.FM2025-06-23T17:31:17-04:00

Even with limited financial knowledge, you can still achieve a fair divorce settlement by taking organized steps to gather information.

Starting to understand your family finances may feel overwhelming, but with professional guidance and systematic organization, you can effectively document your financial situation. A Certified Divorce Financial Analyst (CDFA) or accountant can help you prepare before meeting with your lawyer.

Begin by documenting all financial information you’re aware of, including:

  • Banking details – chequing accounts, savings accounts, and credit cards
  • Investment information – RRSPs, TFSAs, and other investment accounts
  • Property details – mortgages, home equity, and other real estate
  • Retirement assets – pensions, retirement savings, and benefits
  • Outstanding debts – loans, lines of credit, and other liabilities

Many people discover they know more about their financial situation than they initially thought once they begin listing everything systematically. Your financial professionals will guide you through gathering any missing information to ensure a complete and fair assessment of your marital assets.

What is divorce mediation?Ken Maynard CDFA, Acc.FM2025-06-15T17:42:44-04:00

Divorce mediation is a voluntary process where a neutral professional helps separating couples negotiate their divorce terms cooperatively.

Divorce mediation involves working with an impartial third-party mediator who facilitates constructive discussions between separating spouses. The mediator guides conversations but does not make decisions – instead, they help couples reach their own mutually acceptable agreements in a respectful, cost-effective way.

During confidential mediation sessions, couples typically address key divorce matters including:

  • Property division and distribution of assets
  • Child custody arrangements and parenting schedules
  • Child and spousal support payments
  • Retirement accounts and pension splitting
  • Family home decisions and housing arrangements

The mediator’s role is to keep discussions productive and balanced while helping identify solutions that work for both parties. While they can document the final agreement, mediators do not provide legal advice or make binding decisions. The process remains entirely voluntary, with couples maintaining control over their divorce terms.

Is divorce mediation cheaper than using lawyers to handle a divorce?Ken Maynard CDFA, Acc.FM2025-06-16T12:59:50-04:00

Divorce mediation typically costs 50-90% less than traditional lawyer-led divorce proceedings

Divorce mediation offers significant cost savings compared to traditional litigation. While lawyers typically require individual retainers of up to $5,000 per spouse (meaning $10,000 total), mediation involves sharing the cost of a single professional. The financial advantages of mediation include:

  • One shared mediator instead of two separate lawyers
  • Lower upfront costs and retainer fees
  • More efficient resolution process with fewer billable hours
  • Reduced court-related expenses
  • Better control over the total cost of divorce

Beyond the financial benefits, mediation also helps minimize the emotional and psychological costs for all parties involved, especially children. The collaborative nature of mediation promotes better communication and more amicable resolutions compared to adversarial court proceedings.

What’s the difference between court-ordered mediation and private mediation?Ken Maynard CDFA, Acc.FM2025-06-16T12:55:36-04:00

Court-ordered mediation is mandated by the courts, while private mediation is voluntary and more flexible

Court-ordered mediation is a mandatory process directed by the legal system, typically for resolving divorce and custody disputes. The court assigns both the mediator and scheduling, with attendance being compulsory under threat of contempt charges. Following the sessions, the court-appointed mediator submits a formal report to the presiding judge for consideration in their ruling.

Private mediation offers more control and flexibility to the participating parties. This voluntary process requires mutual agreement from both spouses on participation and mediator selection. The key features include:

  • Flexible scheduling and pacing of sessions
  • Choice of qualified mediator
  • Various payment options (hourly or per session)
  • Comprehensive coverage of divorce-related issues including:
    • Child custody arrangements
    • Parenting time and visitation
    • Support payments
    • Division of assets and property

Both types maintain strict confidentiality, though private mediation discussions cannot be used in subsequent court proceedings should mediation prove unsuccessful. The private approach typically offers a more collaborative environment for reaching mutually beneficial solutions.

How Does Divorce Mediation Differ From Legal Litigation?Ken Maynard CDFA, Acc.FM2025-06-16T12:54:46-04:00

Divorce mediation is a collaborative, non-adversarial process focused on mutual agreement, while litigation is a court-based confrontational approach.

Divorce mediation and legal litigation represent two distinctly different approaches to resolving marital separation. While litigation involves opposing lawyers arguing in court for the best possible outcome for their respective clients, mediation empowers couples to work together towards mutually beneficial solutions.

Key differences between mediation and litigation include:

  • Control over outcomes: Mediation allows couples to maintain decision-making power, while litigation leaves the final decision to a judge
  • Atmosphere: Mediation promotes cooperation and open dialogue, whereas litigation tends to be adversarial and confrontational
  • Confidentiality: Mediation sessions are private and unrecorded, while court proceedings become public record
  • Flexibility: Participants can withdraw from mediation at any time, but court decisions are binding

During mediation, a neutral third-party mediator facilitates discussions without taking sides or making judgments. The process encourages voluntary information sharing and collaborative problem-solving in a confidential environment. While lawyers may attend mediation sessions, their role is typically advisory rather than adversarial.

It’s important to note that even when choosing mediation, couples should still obtain independent legal advice and have a lawyer review any final agreement before signing. Mediation complements rather than replaces legal counsel in the divorce process.

Does the Mediator Meet Both Spouses Together Or Separately?Ken Maynard CDFA, Acc.FM2025-06-16T12:54:04-04:00

Mediators can meet spouses together or separately, depending on circumstances and their preferred approach.

The meeting format for divorce mediation is determined by both the mediator’s professional style and the specific needs of the case. Most mediators will discuss their preferred approach during the initial consultation.

  • Joint sessions are common when both parties can communicate respectfully, often with lawyers present to ensure clear understanding and fair representation
  • Separate sessions may be recommended in cases involving:
    • History of domestic violence
    • Substance abuse concerns
    • High-conflict situations
  • Virtual mediation options are now widely available, offering flexibility and convenience for all parties
What’s the best way to find a good divorce mediator?Ken Maynard CDFA, Acc.FM2025-06-16T12:52:53-04:00

Find a qualified divorce mediator through trusted referrals and professional organizations

Selecting the right divorce mediator requires careful research and evaluation. Start by seeking personal recommendations from trusted sources who have firsthand experience with mediation services.

If personal referrals aren’t available, consider these professional channels:

  • Contact your local community mediation centre
  • Consult your provincial law society or bar association
  • Reach out to your local family court services
  • Check with professional mediation associations

Before making your final choice, schedule consultations to discuss:

  • Professional certification and credentials
  • Experience with cases similar to yours
  • Mediation approach and process
  • Fee structure and estimated costs
  • Availability and scheduling options
Can You Pay As You Go With Amicable Divorce Mediation?Ken Maynard CDFA, Acc.FM2025-06-16T12:51:53-04:00

Yes, most divorce mediation services offer flexible pay-as-you-go payment options

Divorce mediation typically follows a flexible payment structure where clients pay for services as they progress through the process. Here’s how the payment system generally works:

  • Session-by-session payments allow you to pay for each mediation meeting as it occurs
  • Document preparation fees are charged separately when specific court papers need to be prepared
  • Initial retainer fee may be required to cover administrative costs between sessions
  • Flexible timing means you can pause the process between steps to accommodate your financial situation
  • Settlement agreement costs are typically paid when you’re ready to finalize the document

This payment flexibility helps make mediation more accessible and allows couples to manage their divorce expenses according to their financial circumstances. You maintain control over the timing and can proceed at a pace that works for your budget.

What if my case is too complex for mediation?Ken Maynard CDFA, Acc.FM2025-06-16T12:50:25-04:00

Mediation can handle complex cases by incorporating expert guidance when needed

Even the most intricate divorce cases can be successfully resolved through mediation. The process is designed to be flexible and can accommodate complex financial arrangements, challenging custody situations, and complicated asset divisions. When needed, your mediator can help coordinate input from:

  • Financial planners and accountants for asset valuation
  • Family law specialists for legal guidance
  • Tax professionals for financial planning
  • Child specialists for custody matters
  • Business valuators for company assets

The mediator’s role is to facilitate discussions and ensure all parties understand their options, while bringing in appropriate expertise to address specific challenges. This collaborative approach often leads to more comprehensive and lasting settlements than traditional litigation.

My partner and I don’t get along, so how can we mediate?Ken Maynard CDFA, Acc.FM2025-06-16T12:48:40-04:00

Professional mediators can help separated couples negotiate effectively, even in high-conflict situations

Despite relationship tensions, family mediation provides a structured, neutral environment to work through separation issues. Professional mediators are specially trained to:

  • Facilitate respectful communication between conflicting parties
  • Keep discussions focused and productive
  • Ensure both partners have equal opportunity to express their needs
  • Guide couples toward mutually acceptable solutions

Many mediators now offer virtual mediation services, allowing separated couples to participate in sessions remotely from different locations. This modern approach eliminates the stress of in-person meetings while still enabling couples to reach fair agreements on important matters like property division, support payments, and parenting arrangements.

What if my partner and I can’t agree on everything?Ken Maynard CDFA, Acc.FM2025-06-13T21:08:25-04:00

Partial agreements through mediation are valid and can help resolve most issues while leaving difficult points for later resolution.

It’s completely normal for couples to face some challenging disagreements during mediation. The beauty of family mediation is its flexibility—you can create agreements for the issues where you’ve found common ground while setting aside more complex matters for further discussion. Your options include:

  • Creating a partial agreement covering resolved issues
  • Taking additional mediation sessions to work through difficult topics
  • Seeking legal intervention for specific unresolved matters
  • Using a combination of mediation and legal processes to reach a final settlement

This practical approach allows you to make progress on most issues while ensuring challenging topics receive the time and attention they deserve.

How long does divorce mediation take in OntarioKen Maynard CDFA, Acc.FM2025-06-16T12:45:49-04:00

Divorce mediation in Ontario typically takes 2-6 months to complete, depending on case complexity

The timeline for divorce mediation varies based on several key factors, including case complexity, cooperation between parties, and scheduling availability. Most couples complete the process through a series of structured sessions spread over several months.

Common factors affecting mediation duration include:

  • Issue complexityproperty division, child custody, and support arrangements
  • Conflict level – willingness to negotiate and compromise
  • Session frequency – typically 2-3 hours every 2-4 weeks
  • Participant availability – coordinating schedules between parties and mediator

While some straightforward cases may resolve in as little as 6-8 weeks, more complex situations can extend beyond 6 months. The mediation process remains flexible, allowing couples to work at a pace that ensures thorough discussion of all relevant issues while maintaining productive dialogue. This investment in time often results in more sustainable agreements compared to lengthy court proceedings.

How does mediation differ from arbitration?Ken Maynard CDFA, Acc.FM2025-06-16T12:44:59-04:00

Mediation empowers couples to reach agreements, while arbitration involves a third-party decision maker

Mediation and arbitration are both alternatives to traditional court proceedings, but they function quite differently. In mediation, couples work together with a neutral mediator to negotiate and reach mutually acceptable solutions. With arbitration, an appointed arbitrator reviews evidence and makes binding decisions, similar to a judge.

Key differences include:

  • In mediation, couples maintain control over decisions and outcomes
  • Arbitration involves presenting formal evidence and testimony
  • Mediators facilitate discussion, while arbitrators make final rulings
  • Mediation promotes communication and cooperation between parties
  • Arbitration decisions are typically binding and enforceable by law
Will those involved in mediation be required to appear in a family court?Ken Maynard CDFA, Acc.FM2025-06-16T12:43:17-04:00

Mediation is a private process that takes place entirely outside of the court system

Unlike traditional litigation, family mediation allows parties to resolve their disputes without making any court appearances. This confidential process offers several advantages:

  • Saves time and money by avoiding lengthy court procedures
  • Provides a more relaxed, less formal environment for discussion
  • Allows parties to maintain control over their decisions
  • Reduces stress and emotional strain on all participants
  • Creates lasting solutions through mutual agreement rather than court orders
What is divorce mediation designed to do?Ken Maynard CDFA, Acc.FM2025-06-16T12:42:37-04:00

Divorce mediation helps couples reach mutually beneficial agreements through structured negotiation

Divorce mediation is a collaborative process designed to help separating couples resolve their disputes efficiently and amicably. Working with a neutral third-party mediator, couples can address key issues while maintaining control over decisions that affect their future.

The primary objectives of mediation include:

  • Identifying and clarifying specific disputes and concerns
  • Exploring creative solutions that benefit both parties
  • Creating legally sound written agreements
  • Reducing emotional stress and conflict
  • Minimizing legal costs and court involvement

A qualified divorce mediator serves several essential functions:

  • Facilitates balanced discussions where both parties have equal voice
  • Provides relevant legal information and context
  • Helps clarify each party’s priorities and concerns
  • Suggests practical solutions to complex issues
  • Offers guidance on consulting other professionals when needed
  • Ensures all agreements are properly documented
When is amicable divorce mediation useful?Ken Maynard CDFA, Acc.FM2025-06-16T12:41:57-04:00

Amicable divorce mediation works best when both parties seek a cooperative, cost-effective resolution

Divorce mediation provides an effective alternative to traditional litigation when separating couples want to maintain civility and reach mutually beneficial agreements. This process is particularly valuable for managing complex emotional dynamics while protecting important relationships and financial resources.

  • Both spouses demonstrate willingness to negotiate in good faith
  • Partners need help managing emotional aspects of separation constructively
  • Couples wish to maintain positive relationships, especially for co-parenting
  • Direct confrontation between partners proves challenging
  • Communication has reached an impasse despite good intentions
  • Partners want to avoid the significant costs and stress of court proceedings
  • Both parties seek a fair and balanced resolution of their issues
About the Author:
Ken Maynard CDFA, Acc.FM

I assist intelligent and successful couples in navigating the Divorce Industrial Complex by crafting rapid, custom separation agreements that pave the way for a smooth transition towards a secure future. This efficient process is achieved in about four meetings, effectively sidestepping the excessive conflicts, confusion, and costs commonly linked to legal proceedings. Clients have the flexibility to collaborate with me either via video conference or in-person through a DTSW associate at any of our six Greater Toronto mediation centers, located in Aurora, Barrie, North York, Vaughan, Mississauga, and Scarborough.

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Ken Maynard CDFA, Acc.FM2023-08-11T22:38:34-04:00