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organise your finances

When you are getting divorced, one of the first steps in the divorce process is putting all your financial information together into one statement.

This financial statement will form the basis of your negotiations and eventual financial agreement.

For many it might be a straightforward listing of bank accounts, credit cards, superannuation funds and a mortgage. For others, it is much more complicated. And it’s critical to get these right by getting the right divorce support.

If it’s the first time in some years you have had to piece this information together or think about day-to-day living expenses, you are not alone. Very often the finances are left to one partner. We can guide you if you are unsure, and provide divorce support as you go through the process.

how to prepare for divorce settlement

As a minimum you will need to collect:

assets and liabilities
  • Banks statements for the last 12 months
  • Credit card statements for the last 12 months
  • Mortgage statements
  • Personal loan documents
  • Superannuation statements
  • Shares
  • Investment property details
  • Other investments eg. managed funds
  • Family trust information
  • Other significant assets such as art collections etc
income and expenses
  • Pay slips for both of you
  • Tax returns
  • Business tax returns
  • Insurance policy details
  • Employment benefits such as incentive schemes*, share schemes etc.

issues to consider

  • Do either of you have multiple superannuation funds? Have you checked for any lost super?
  • How do you value all your assets and liabilities? And at what date?
  • Who owns these assets ie who is the legal owner?
  • Have you included all income details for both of you? eg are future entitlements such as bonuses* and long-term incentives included?

We have access to experts who will be able to answer these questions for you.

*These are not guaranteed in most instances.



It’s important to know how much money you need for yourself, and any children you may have, so creating a budget will help you calculate this.

how ipac helps


ipac advisers understand the financial complexities you’re already facing and the crucial importance of disclosing all of your assets, as well as your ex-partner’s, as inaccurate disclosure can render your agreement invalid. We can help you meet your legal obligations,  highlight issues you should consider and help with immediate cashflow challenges and budgeting.

next step: understanding your options

proceed to next step

useful resources


AMP’s budgeting tool

If you need help with your budgeting we have calculators which can step you through:

AMP’s budgeting tool

maximise your benefits

There is a useful government site which helps you understand the child care benefits you might be entitled to.


australian securities and investment commission

Australian Securities and Investment Commission’s (ASIC) moneysmart website has budgeting calculators for download:

visit moneysmart

let us call you

Providing us with a brief reason for call will streamline our call back process and ensures you have the correct ipac representative handling your enquiry.

Your privacy is important to AMP and to ipac. You may request access at any time to your personal information held by AMP by calling 1300 157 173 or by contacting us direct. Information collected by AMP will be subject to AMP’s Privacy Policy available by clicking here.

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