CASE STUDIES





At Simple Split Financials, every woman’s story is unique, but the feelings of uncertainty, overwhelm and “I don’t even know where to start” are almost always the same.

That’s why I’ve created this collection of real-life case studies. These examples walk you through the types of financial challenges women often face during separation, from uncovering hidden accounts, to understanding the true asset pool, to simply organising the paperwork when emotions are running high.

My aim is to show you what is possible when you have clarity, guidance, and someone in your corner. These stories highlight not just the numbers, but the human experience behind them, and how the right support can save time, money and a great deal of emotional energy as you step into your next chapter with confidence.

BOOK A FREE CHAT NOW
  Julie Garis

Jane's Story


Revealing the full financial picture

When Jane (name changed for privacy) was referred to me by her divorce coach, she had already engaged a family lawyer and was working through the separation process.
After 15 years as a stay-at-home mum and primary carer, Jane was now studying to re-enter the workforce. Her ex-partner earned a high income, managed the finances, and often reassured her that “everything was fine.” Jane knew there was a share portfolio and multiple accounts, but she had never been told what they were worth.
When financial disclosure was received, several personal accounts were included, but it was immediately clear the picture was incomplete.
The disclosure revealed bank accounts spread across three different banks, with daily round-sum transfers between them. To Jane, it appeared to be a deliberate pattern designed to confuse. She also suspected that not all accounts had been disclosed and that gambling might be involved.
That’s where I stepped in.
Using financial analysis software, I uploaded and converted all the bank statements into Excel to create detailed transaction summaries. From there, I reviewed all disclosure documents and prepared a draft Balance Sheet, giving both Jane and her lawyer a clear, structured overview of the asset pool, which included a family home, the share portfolio, superannuation, and an investment property.
Through my analysis, I was able to:
  • Identify two additional undisclosed bank accounts
  • Quantify significant cash withdrawals (over $250,000 via ATMs and a further $100,000 in other withdrawals to be questioned
  • Highlight gambling-related transactions
  • Flag unusual payments to related parties, including his employer and family members
  • Note missing disclosure documents that required follow-up
  • These findings were summarised in a clear, lawyer-ready format to support strategy discussions and next steps.
By transforming hundreds of pages of statements from multiple banks into structured insights, I helped Jane’s legal team focus their attention where it mattered most, ensuring the financial picture was accurate, transparent, and ready for negotiation.

A Client Story


Client M's Situation 🧡

My client came to me after separating from her husband. She already had a family lawyer in place and had come across my work online.
They had two young children, and she was remaining in the family home.
The asset pool was significant, approximately $15–16 million, and included the family home, several investment properties, and business interests.
On paper, she was someone you might assume would be completely comfortable dealing with all of this.
She was highly intelligent, successful in her own career, and very capable.
But this wasn't her world.
Their businesses and investments were held through a number of trust and company structures that had largely been established and managed by her husband during the relationship. Now, in the middle of a separation, she suddenly needed to understand them.
There were documents arriving from lawyers and accountants, unfamiliar entity names, trust structures, companies and financial information — and she was trying to work out what it all meant while also dealing with the reality of a separation and caring for two young children.
What she needed wasn't someone to simply hand her more documents.
She needed someone to help her make sense of them.


"Can you help me understand what all of this actually means?"

That became a big part of our work together.
There would be calls and emails as new information arrived. Sometimes what had been provided answered one question but raised another three.
We would work through it together.
What is this company?
Where does this trust fit?
Who owns this entity?
What assets sit within it?
Do we have everything we need?
What should we be asking for next?
There is an enormous difference between having financial documents and actually understanding what they are telling you.
My role was to help bridge that gap.

Building the financial picture

We gradually began pulling all the pieces together.
Rather than looking at each trust, company, property or document in isolation, we built a consolidated picture of the family's financial position and how the different structures fitted together.
This was particularly important because disclosure didn't arrive neatly in one complete package.
It came progressively.
Each time further information was provided, I worked with the client and her family lawyer to review it, identify what was still missing and determine what additional documents were required.
For the client, this meant she didn't have to work all of that out on her own.
She had someone she could call when another bundle of documents arrived or something didn't make sense. We could work through what was important, what needed further investigation and what could simply be put to one side.
That ongoing support became just as important as the financial analysis itself.

Looking beyond the asset pool

There was another side to the work that was much more personal.
When court proceedings required the preparation of her Financial Statement, we needed to look closely at what life actually cost.
We undertook a detailed review of her income and expenses, including the costs of running the family home, her personal expenditure and the expenses associated with caring for the children.
We then completed a detailed budgeting exercise.
For someone going through separation, this isn't simply an accounting exercise.
It requires you to stop and think about what your life looks like now, what it actually costs to live and what you may need financially going forward.
We worked through this together so the Financial Statement reflected a properly considered picture of her circumstances rather than numbers estimated under pressure.

Bringing the right people together

As the matter developed, I also worked closely with the other professionals around her.
I liaised with her family lawyer as different financial issues arose, worked with her accountant and subsequently with a new accountant she engaged.
I also introduced her to a financial adviser so she could start looking beyond the immediate family law process and think about what her financial future might look like.
For me, this is an important part of the work.
A client shouldn't have to be the person trying to translate information between her lawyer, accountant and financial adviser while simultaneously trying to navigate her own separation.
Where appropriate, I can work alongside those professionals so everyone is working from the same financial picture.

Preparing for mediation

As the matter progressed towards mediation, I prepared a comprehensive Balance Sheet setting out the asset pool and clearly identifying the various properties, businesses, trusts and companies and how they related to one another.
Something that had initially felt fragmented and difficult to understand was now laid out in a way that both the client and her legal team could work with.
The matter is still continuing, with mediation approaching, so this isn't a story where I can tell you the settlement at the end.
But there has already been an important change.
My client understands far more about her financial position than she did when we first spoke.
She understands how the pieces fit together.
She knows what information has been provided and what still needs to be addressed.
And she has a team around her to help with the next stage.

The Bigger Picture

One of the things I see repeatedly in my work is incredibly capable women saying some version of:
"I feel like I should understand this."
But why would you?
Being intelligent and successful doesn't mean you automatically understand trusts, company structures or family law disclosure — particularly if those weren't the financial matters you managed during the relationship.
And you don't need to become a forensic accountant just because you're getting divorced.
Sometimes you need someone who can sit beside you, untangle the information and help you answer four much simpler questions:
What do we have?
How does it all fit together?
What's missing?
And what do we need to do next?
That's the part of this work that isn't always visible on a Balance Sheet.




Our Services 

Save Time and Money

HOW IT WORKS
As a stay-at-home mum of 25 years who had been married to an investment banker, I found the financial aspect of my divorce convoluted, confusing and beyond my capacity. Julie was a god-send. Her ability to make sense of the numbers and documents flying around evened up the playing field of my divorce. She worked with my lawyer and me as part of a supportive team to help me through the murky territory of divorce and financial separation into a new era of financial and personal independence. When Julie came on the scene, the financial situation was completely opaque to me. By the time Julie left, I was in a state of financial empowerment and had achieved a far more favourable settlement than was originally offered to me. Julie’s skill, professionalism, empathy, commonsense and vision for the future were pivotal in getting the amazing outcome that I did.

T.B. SYDNEY

Liability limited by a Scheme approved under Professional Standards Legislation.
© Copyright 2024 SIMPLE SPLIT FINANCIALS | (02) 9137 0494  | Terms | Privacy | Website with ThinkBowl