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Fresh Start Checklist
Post-Divorce Protection Series

Your Divorce Isn't Done Until Your Estate Is Safe.

Don't let your ex-spouse become your accidental heir. Download the ultimate checklist to update your beneficiaries, Will, and Powers of Attorney.

10-Point Ex-Removal Audit – Find every hidden place your ex's name still lives

Guardianship Clause Template – Protect your children's inheritance

New Partner Warning Guide – What happens if you remarry

Fresh Start Estate Checklist

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The "Revocation" Myth

What most people get dangerously wrong about separation

Did you know that in Ontario, separation does not automatically revoke your Will?

If something happens to you tomorrow, your ex could still:

Inherit Your Entire Estate

Your house, savings, investments, and personal belongings could all go to your ex-spouse if your Will hasn't been updated.

Make Medical Decisions for You

If you're incapacitated, your ex could still be your Power of Attorney for Personal Care, making life-or-death decisions on your behalf.

Control Your Children's Trust Fund

Even if your assets are meant for your children, your ex could be named as the trustee, giving them control over how and when the money is distributed.

The divorce decree dissolves the marriage—but only a new Will dissolves the financial link.

What's Inside the Checklist

Three critical steps to ensure your ex-spouse has zero claim to your future

1

The "Ex-Removal" Audit

A comprehensive list of 10 hidden places your ex's name still lives—and how to remove them immediately.

Life Insurance Beneficiaries
RRSP & TFSA Designations
Workplace Benefits
Joint Bank Accounts
Property Titles
Digital Assets & Passwords
2

The Guardianship Clause

How to ensure your assets go to your children—not your ex—managed by a trustee you trust.

Includes:

  • Sample trustee appointment language
  • Age-based distribution schedules (e.g., 25%, 50%, 100% at ages 21, 25, 30)
  • How to prevent your ex from accessing funds "for the children"
3

The "New Partner" Warning

Planning to remarry? Learn how marriage automatically voids your existing Will in Ontario—and what to do about it.

Critical Timing Issue:

If you remarry without updating your Will, Ontario law treats you as if you died without a Will. This means your new spouse could inherit everything—leaving your children from your first marriage with nothing. The checklist includes a pre-marriage Will template to prevent this.

Bonus: The "Digital Estate" Checklist

Don't forget your online life. Learn how to handle social media accounts, cryptocurrency wallets, cloud storage, and digital photo libraries in your estate plan.

Janine Johnson - Estate Planning Lawyer
Estate Planner Note
"The divorce decree dissolves the marriage, but only a new Will dissolves the financial link. This checklist is your final step to freedom."
Janine JohnsonThe Guardian
Wills & Estates LawPowers of AttorneyPost-Divorce Planning
Fresh Start

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