The Gray Divorce Podcast: Episode 72 A Values-Based Approach to Divorce with Hirsch Serman CPA, CDFA

In this episode, Andrew chats with Hirsch Serman, a uniquely credentialed divorce financial expert whose work blends financial precision with human insight. As a Certified Divorce Financial Analyst®, CPA, and trained mediator, Hirsch supports clients through one of life’s most emotionally and financially challenging transitions.

From CPA to Divorce Financial Guide 

Hirsch shares how his own life experiences, including divorce, inspired him to support others during this critical phase. He discusses how his accounting background, tax expertise, and mediation training inform a comprehensive approach to financial empowerment.

The Value of Doing Nothing (At First) 

In the heat of divorce, Hirsch advises clients to pause before making big decisions. Reacting impulsively—especially when blindsided by divorce—can lead to costly mistakes. Instead, take time to process, assess your financial picture, and begin building the right team of professionals.

Building a Divorce Support Team 

We discuss the importance of surrounding yourself with qualified, settlement-minded professionals. Hirsch explains how networks like the Amicable Divorce Network bring together lawyers, financial analysts, mental health experts, and real estate professionals—all aligned toward resolution.

Values-Based Financial Planning 

Hirsch outlines his “values-based” approach: helping clients rediscover who they are, clarify their priorities, and align their budgets accordingly. From the marital home to retirement assets, every decision is weighed not just in dollars, but in personal meaning and long-term impact.

Budgeting Without Overwhelm 

Hirsch breaks down how to approach budgeting in divorce, especially when it feels daunting. By segmenting needs vs. wants and prioritizing what truly matters, clients gain clarity and reduce stress.

Debt Strategy and Financial Empowerment 

We explore real-life examples of how reallocating payments, addressing high-interest debt, and reframing financial goals can significantly improve post-divorce financial health.

The Real Cost of Divorce: Emotion 

Hirsch warns that unchecked emotion can be the most expensive part of divorce. Seeking fairness through litigation can quickly spiral into prolonged conflict and high legal bills. A calm, strategic approach often yields a better outcome, financially and emotionally.

About Hirsch Serman

Hirsch Serman is a Certified Divorce Financial Analyst®, CPA, and trained mediator. He’s the founder of Lifecycle Financial, where he offers comprehensive divorce financial planning, forensic accounting, and post-divorce financial coaching. Hirsch specializes in working with women navigating divorce, offering guidance rooted in clarity, compassion, and strategic foresight.

Resources

Website: www.lifecycle.financial 

Network: Amicable Divorce Network member (Illinois chapter)