Your retirement date once seemed a shared horizon. Now, as a later-life divorce reshapes your future, that horizon demands a clear-eyed reassessment. This book is your practical guide to untangling the financial knot of a long marriage without sacrificing the retirement you've worked decades to build. You'll learn how to value and divide pensions, understand the tax consequences of splitting retirement accounts, and navigate Social Security claiming strategies as a divorcing couple. We'll walk through housing decisions, health insurance options, and the delicate task of budgeting for two separate households on assets meant for one. Throughout, the focus is on protecting your long-term security — not winning a battle. Whether you are months from your planned retirement or a decade out, the choices you make now will echo for years. With clarity, compassion, and a steady hand, this book helps you ask the right questions, avoid costly missteps, and build a financial plan that supports the life you want next. Part of The Later-Life Divorce Library.