Many people are paralyzed by fear when contemplating a divorce. Most often the fear is about money. It’s either a fight, flight or freeze response. But there is another possibility, and that’s empowerment. That’s the power created by two autonomous people with a shared vision for the future. I’m calling it the Third Power (1+1=3) and it’s possible to achieve in a facilitated process. I’ve seen it happen.

Energy is defined by the Oxford dictionary as “power derived from physical or chemical resources.” Money is energy. So is positivity. Learning about your resources and visioning what you want in your future can inspire and propel you forward. That capacity is increased if you do it together with a shared purpose.  A financial neutral, either as your mediator or as part of a collaborative team, can lead you there. It’s a journey that requires preparation.

As I see it there are 3 stages to work through, in the following order:

  • Emotional Regulation;
  • Information Gathering; and
  • Visioning.

Emotional Regulation

Focus must be on calming the mind and body. It’s important to practice neutrality in whatever way is comfortable for you. You will be offered tools to relax the nervous system so you can think clearly and make good decisions. You will be urged to consider your higher purpose, your long -term goals for yourselves and the family and your needs. It’s good to think about what you do have and find appreciation where you can. This is all energy savings. Anger, fear, doubt and other understandable but unhelpful emotions drain your energy and reduce the cortical function of that part of the brain needed to make good decisions. Negative emotions generate cortisol overload in the body which threatens health, well- being and the prospect of peace for all of you.

So, whether it’s meditation, prayer, a walk around the block, candles at the meeting or visits to the divorce coach, practice neutral as much as possible to build your resilience and capacity for getting to a calm place within yourself. Finding and maintaining that kind of attitude will make a world of difference.

Information Gathering

The core of the work of the financial neutral is to gather relevant information, put it in order and help you educate yourselves on asset/liability and budget formats and issues. The information must be provided voluntarily and completely.

Assets and liabilities are listed in a property statement and cash flow, present and future, will be developed in a series of budget reports. Present and future income and the intricacies of support are discussed. The reports are explained, questions are answered, and further information is added or corrected to get them right. At that point you have a very good idea about your resources and needs for cash flow. You build this information together, both understanding the information, the possibilities and the process. By the time this stage is complete you will be empowered with the knowledge of all aspects of your financial life in the past, present and possibilities for the future.

This information gathering is done efficiently, inexpensively and is empowering in itself. Even if you eventually go on to a different process, you will be prepared and have mutual understanding of the financial facts.


You will also be encouraged to create a vision for your future in detail. This will include what you want in your life and what you want the next chapter to look like. In most cases, the life you will envision is simpler and less stressed. It becomes reasonable and has to be. There is no tugging at a position. It’s a creative process from an open mind and heart. What’s really important to you? Once that future vision is in your mind’s eye you begin to see an opening to the light, and that opening gets bigger and bigger. It will include new things and activities. You will have the resources you need through mutual planning assisted by the professionals. The most helpful perspective is to work toward a good future for both of you and your family. You will have the help of a vocational coach, realtors, mortgage lenders and the research done on your own about the possibilities. There is time and support for this. Your energy is put into creating a future rather than resisting or fearing.

When you have made these preparations, there is a synergy that creates that Third Power moving you forward and not looking back. It runs on its own. Positivity does that. Continuing to care about the best interests of all concerned is what will make the process smooth and a better result for your health and heart.

To learn more about Money and Divorce, contact one of our Professionals at Bridges Collaborative Divorce Solutions.


Dona Cullen, Attorney at Law / Mediator
Financial Neutral
5200 Meadows Rd., Ste. 150
Lake Oswego, OR 97035

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