Divorce After 50 in Alberta: Complete Gray Divorce Guide (2026)

By Antonio G. Jimenez, Esq. | Florida Bar No. 21022 | Covering Alberta divorce law

Divorcing after age 50 in Alberta requires careful financial planning because pensions, retirement accounts, and CPP credits accumulated over decades must be divided, spousal support calculations consider reduced earning capacity, and the average CPP payment of $803.76 per month in 2026 represents a significant marital asset subject to credit splitting under federal law. Alberta's unique Family Property Act allows couples to opt out of mandatory CPP splitting through written agreement, distinguishing it from most Canadian provinces.

Key Facts: Gray Divorce in Alberta (2026)

Why Gray Divorce Is Financially Complex in Alberta

Gray divorce cases involve significantly more retirement assets than divorces at younger ages because couples over 50 have accumulated 20-30 years of pension contributions, RRSP growth, and CPP credits that must be valued and divided under Alberta's Family Property Act. The maximum CPP retirement benefit in 2026 is $1,507.65 per month at age 65, making CPP credit splitting a critical financial consideration for divorcing seniors. Alberta courts must also consider reduced earning capacity when one spouse is nearing retirement age or has left the workforce to provide homemaking services during a long marriage.

Under the Divorce Act, R.S.C. 1985, c. 3 (2nd Supp.), as amended in 2021, spousal support aims to recognize economic advantages or disadvantages arising from the marriage, and courts frequently award indefinite support in marriages lasting over 20 years where one spouse cannot achieve self-sufficiency. Property division in Alberta follows equitable distribution principles under the Family Property Act, R.S.A. 2000, c. F-8, meaning marital assets acquired during the marriage are divided fairly—typically resulting in a 50/50 split. For couples over 50, this includes the family home, investment accounts, employer pensions, RRSPs, and business interests accumulated over decades of marriage.

Filing for Divorce in Alberta After Age 50

To file for divorce in Alberta's Court of King's Bench, you must pay a filing fee of CAD $260 plus a mandatory $10 Central Registry of Divorce Proceedings fee, and either you or your spouse must have lived in Alberta for at least one year immediately before filing. You can file for divorce based on marriage breakdown proven by living separate and apart for 12 consecutive months (used in 95% of cases), adultery, or physical or mental cruelty. The 12-month separation period cannot be shortened even if both spouses agree to divorce, and you can live in the same home during separation if you maintain separate bedrooms and do not present as a couple to the outside world.

Alberta's Family Focused Protocol, implemented in 2026, requires completion of mandatory pre-filing requirements including the free Parenting After Separation (PAS) eCourse if you have children under 18, and both parties must attempt an Alternative Dispute Resolution (ADR) process within six months before filing unless exemptions apply. To begin the divorce process, you file a Statement of Claim for Divorce (Form FL-1) with the Court of King's Bench in the judicial district where you or your spouse resides. Fee waivers are available for individuals whose household income falls below government-set thresholds by submitting an Application for Fee Waiver and Statement of Finances.

Dividing Retirement Assets and Pensions

Alberta law requires equitable division of all marital property accumulated during the marriage, including employer pensions, RRSPs, TFSAs, and investment accounts, with the valuation date typically being the date of separation rather than the divorce date. Registered Retirement Savings Plans (RRSPs) contributed to during the marriage are considered shared property, and while contributions made before marriage may be excluded, any growth in the RRSP's value during the marriage is typically divided 50/50. Employer-sponsored pensions are valued based on contributions made during the marriage plus any growth, and the division can occur at separation or at retirement, giving couples flexibility in how they structure the pension split.

For defined benefit pensions, an actuarial valuation determines the present value of future pension payments earned during the marriage, and the non-member spouse typically receives either a lump-sum payment from other marital assets to offset the pension value or a percentage of future pension payments when the member spouse retires. Defined contribution pensions and RRSPs are easier to divide because the account balance is readily determinable, and transfers between former spouses can be made on a tax-free basis using the proper CRA forms. Alberta's Pension Benefits Standards Act governs the division of provincially regulated pensions, requiring a court order or separation agreement before pension administrators will split the pension.

CPP Credit Splitting: Alberta's Unique Rules

CPP contributions made during the time you and your spouse lived together must be equally divided after divorce through a process called credit splitting, which is mandatory for married couples under Section 55.2 of the Canada Pension Plan Act unless you have a written agreement opting out. Alberta is one of only three provinces (along with British Columbia and Saskatchewan) that allows couples to waive CPP credit splitting through a written agreement under the Family Property Act that expressly references the Canada Pension Plan Act. For each eligible year of cohabitation, both spouses' pensionable earnings are pooled and divided equally—if one spouse earned $60,000 and the other earned $20,000, each receives credit for $40,000.

The maximum yearly pensionable earnings (YMPE) for 2026 is $74,600, and the division of CPP credits is permanent and cannot be undone. Either spouse can request CPP credit splitting by submitting Form ISP-1901 to Service Canada after the divorce is finalized, and there is no deadline for married couples to apply after divorce is granted. The average CPP payment in 2026 is approximately $803.76 per month, making this a significant financial consideration for divorcing couples over 50 who are approaching retirement age. If your separation agreement does not address CPP credits, the default rule applies and either spouse can unilaterally request the split.

Spousal Support After Age 50

Spousal support in Alberta is governed by the federal Divorce Act, R.S.C. 1985, c. 3, s. 15.2, which requires courts to consider the condition, means, needs and other circumstances of each spouse, including the length of cohabitation, the functions performed during cohabitation, and any order, agreement or arrangement relating to support. While Alberta has no mandatory formula, courts and lawyers rely on the Spousal Support Advisory Guidelines (SSAG) as a nationally accepted framework that produces a range of support amounts based on the income difference between spouses and the length of the marriage. The SSAG uses two formulas: the "without child support formula" (most relevant for couples over 50 with adult children) and the "with child support formula" for cases involving dependent children.

Under the SSAG without child support formula, the amount of spousal support ranges from 1.5% to 2% of the difference between the spouses' gross incomes for each year of marriage, and the duration ranges from 0.5 to 1 year of support for each year of marriage. For marriages lasting 20 years or more, the SSAG typically produces indefinite support orders (no end date), recognizing that a spouse who is over 50 and has been out of the workforce for decades has limited ability to achieve economic self-sufficiency. Alberta courts have discretion to deviate from the SSAG ranges if the guidelines produce an unfair result given the specific circumstances of the case.

Retirement and Spousal Support Modification

Retirement can constitute a material change in circumstances justifying modification of spousal support under Section 17 of the Divorce Act, especially if retirement results in a significant drop in income for the payor spouse. However, if a payor deliberately reduces their income by taking early retirement, the court may impute income based on what they could reasonably be earning if they continued working. An "early" retirement is defined as either retirement on a reduced pension or retirement on a full pension before age 65 in the absence of health issues or other special circumstances, and such retirements receive close scrutiny from Alberta courts.

When the payor reaches age 65 and takes normal retirement, courts generally accept this as a reasonable basis for reducing or terminating spousal support, particularly if the payor is receiving only CPP and Old Age Security with no employer pension. The recipient spouse's financial circumstances at the time of the payor's retirement are also relevant—if the recipient has also accumulated retirement income through CPP, pensions, or property division, support may be reduced or terminated. The SSAG guidelines include specific provisions for retirement scenarios, and courts will consider the recipient's own retirement date and income when determining whether modification is appropriate.

The Boston Exception for Divided Pensions

The SSAG recognizes a property-based exception called the "Boston exception" that applies when pensions have been divided as part of property settlement but are also being considered as income for spousal support calculations. This exception prevents double-counting the same asset as both property and income, which is particularly relevant in Alberta gray divorce cases where employer pensions constitute the largest marital asset. Under the Boston exception, if a pension has been divided 50/50 as property, only the payor's remaining 50% share should be included as income for SSAG spousal support calculations, not the full pension amount.

Alberta courts have discretion in applying the Boston exception and may adjust spousal support downward when significant pension division has already provided the recipient spouse with substantial retirement income. This exception requires careful analysis by family law lawyers to ensure fair treatment of both pension division and ongoing support obligations.

Property Division Rules for Couples Over 50

Alberta's Family Property Act, R.S.A. 2000, c. F-8, governs property division for married couples and requires equitable distribution of marital property acquired during the marriage, which typically results in a 50/50 split of the net value of all assets. Exempt property not subject to division includes property owned before marriage, gifts and inheritances received during marriage (unless intermingled with marital property), and personal injury lawsuit proceeds. The family home is always considered marital property subject to division regardless of whose name is on the title, even if one spouse owned it before marriage, making it a critical asset in gray divorce cases where couples often have substantial home equity.

The valuation date for property division is typically the date of separation, not the date of final divorce, meaning any increase or decrease in asset values after separation belongs solely to the spouse who holds that asset. For couples over 50, this can be significant if several years pass between separation and final divorce, particularly for investment accounts, business interests, or real estate. Alberta law allows unequal division of marital property if equal division would be "unfair" given factors such as one spouse's contribution to the other's career, one spouse's dissipation of marital assets, or the duration of the marriage (very short marriages may justify unequal division).

For business owners over 50, the business interest is valued based on fair market value as of the separation date, and the non-owner spouse is entitled to 50% of the increase in business value during the marriage. This often requires hiring a business valuator to conduct a formal valuation, which can cost $5,000-$15,000 depending on business complexity. The non-owner spouse typically receives a property equalization payment rather than actual ownership interest in the business, allowing the owner spouse to continue operating the business post-divorce.

Parenting Arrangements for Adult Children

While couples divorcing over age 50 often have adult children, parenting arrangements may still be necessary if children under 18 remain at home or if adult children over 18 qualify as dependent children under the Divorce Act. A child over 18 is considered dependent if they cannot become self-supporting due to disability, illness, or full-time enrollment in post-secondary education. Under the amended Divorce Act implemented in 2021, courts make parenting orders allocating parenting time and decision-making responsibility rather than using the outdated terms "custody" and "visitation."

Parenting after separation courses are mandatory in Alberta for divorcing parents with children under 18, and both parents must complete the free online PAS eCourse before filing for divorce unless exempted due to family violence or urgent circumstances. Even for adult children, parents may need to address child support obligations if the child is enrolled in university or college, and Alberta courts can order support for dependent children up to age 22 or longer if the child has a disability. Parents should also consider how to communicate about adult children's major life events, weddings, grandchildren, and family gatherings post-divorce to minimize conflict and maintain healthy family relationships.

Tax Implications of Gray Divorce in Alberta

Gray divorce carries significant tax consequences that younger divorcing couples do not face because retirement account distributions, capital gains on asset sales, and loss of income splitting benefits can result in substantial tax liability. When dividing RRSPs between spouses, transfers can be made tax-free using CRA Form T2220 (Transfer from an RRSP, RRIF, PRPP or SPP to Another RRSP, RRIF, PRPP or SPP on Breakdown of Marriage or Common-law Partnership), but any withdrawals from RRSPs or RRIFs to fund the divorce settlement are fully taxable as income in the year withdrawn. The spouse who receives the family home may face capital gains tax upon future sale if the home is not their principal residence for all years of ownership.

Spouses who were splitting pension income under Section 60.03 of the Income Tax Act for tax purposes will lose this benefit after divorce, potentially increasing both spouses' tax liabilities significantly. Senior couples should consult with a tax accountant before finalizing property division to model the tax consequences of different asset division scenarios. Spousal support payments are tax-deductible for the payor and taxable income for the recipient under Section 60(b) and 56(1)(b) of the Income Tax Act, making support structuring an important tax planning consideration.

Seniors who sell the family home and divide the proceeds may each end up with insufficient funds to purchase comparable housing in Alberta's expensive real estate markets, particularly in Calgary and Edmonton where median home prices exceed $450,000 in 2026. This can force one or both spouses into rental housing for the first time in decades, and the loss of equity can significantly impact retirement security.

Timeline for Gray Divorce in Alberta

An uncontested divorce in Alberta where spouses agree on all issues typically takes 3-6 months from filing the Statement of Claim to receiving the final divorce order from the Court of King's Bench. After filing, your spouse has 20 days to file an Answer if the divorce is contested, and if they do not respond, you can apply for divorce on an undefended basis by submitting an Affidavit of Service and Application for Divorce Order. Once the court reviews your application and is satisfied all requirements are met, the judge grants a Divorce Order, which becomes effective 31 days after the order is granted (the effective date is stated on the order).

Contested divorces requiring court hearings on property division, spousal support, or parenting arrangements typically take 1-3 years in Alberta due to court scheduling delays, discovery processes, and multiple interim applications. The 2026 Court of King's Bench Family Law Process emphasizes early resolution through mediation, arbitration, or collaborative law before proceeding to trial, and judges may order parties to participate in ADR at any stage of the proceedings. For couples over 50 with complex asset portfolios, business interests, or multiple properties, the discovery and valuation phase alone can take 6-12 months.

The 12-month separation period can run concurrently with the divorce proceedings, meaning you can file for divorce immediately after separating and the separation period will elapse while the case is pending. Alberta courts issue interim orders for spousal support, exclusive possession of the home, and use of vehicles during the pendency of the divorce to ensure both spouses have financial support while the case proceeds.

Common Mistakes in Gray Divorce

Failing to obtain a formal pension valuation is one of the most costly mistakes in gray divorce because employer pensions often represent the largest marital asset, and accepting your spouse's informal estimate of pension value can cost you tens of thousands of dollars. Alberta seniors should hire an actuary to value defined benefit pensions, which typically costs $1,500-$3,500, and should obtain official pension statements directly from the pension administrator rather than relying on statements provided by the other spouse. Overlooking survivor benefits in pension division is another critical error—ensure your separation agreement specifies whether the non-member spouse retains rights to survivor benefits if the member spouse dies after retirement.

Accepting insufficient spousal support to avoid conflict can leave the recipient spouse financially devastated in retirement, particularly women who left the workforce to raise children and have limited CPP credits and RRSP savings. The SSAG guidelines exist to ensure fair support awards, and seniors should not waive support simply to "get it over with" without consulting a family lawyer about the long-term financial consequences. Another common mistake is failing to update beneficiary designations on RRSPs, life insurance policies, and TFSAs after divorce—these designations override your will, and forgetting to remove your ex-spouse as beneficiary means they will inherit these assets upon your death.

Delaying the divorce because "it doesn't matter at our age" can be financially harmful because the separation date determines property valuation, and waiting years to formalize the divorce may allow your spouse to dissipate marital assets or accumulate new assets solely in their name. CPP credit splitting does not occur automatically—you must apply for it, and some seniors mistakenly believe Service Canada will divide credits without an application.

Alternatives to Litigation for Couples Over 50

Mediation is a cost-effective alternative to litigation where a neutral third-party mediator helps you and your spouse negotiate all aspects of divorce including property division, spousal support, and parenting arrangements. Alberta mediation typically costs $150-$300 per hour split between both parties, and most gray divorce mediations resolve in 4-8 sessions (8-16 hours), resulting in total costs of $1,200-$4,800 per person compared to $15,000-$50,000 per person for contested litigation. Mediators cannot provide legal advice to either party, and you should have a family lawyer review any mediated agreement before signing to ensure it protects your interests.

Collaborative divorce is a process where each spouse hires a collaboratively-trained lawyer, and all four parties sign an agreement committing to settle the divorce without going to court. If the collaborative process fails and either spouse files for court, both collaborative lawyers must withdraw, and the parties must hire new litigation lawyers. Collaborative divorce is well-suited to gray divorce cases with complex financial issues because the process allows you to jointly hire neutral financial specialists, pension valuators, and tax accountants to advise both spouses simultaneously, reducing costs and ensuring accurate financial information.

Arbitration is a private adjudication process where an arbitrator (often a retired judge or experienced family lawyer) hears evidence and makes a binding decision on disputed issues. Alberta arbitration is faster than court litigation, typically resolving in 3-6 months, and allows more scheduling flexibility than waiting for court dates. Arbitration awards are enforceable like court orders and can be appealed only on limited grounds such as procedural unfairness or legal error.

Health Coverage and Benefits After Divorce

If you were covered under your spouse's employer health benefits plan, divorce will terminate your coverage, and you must arrange your own coverage through your employer, a private plan, or a professional association. Alberta Health Care Insurance Plan (AHIP) covers basic medical services but does not cover prescription drugs, dental, vision, or extended health services, making private health insurance essential for seniors who require regular medications. Some employer benefit plans allow former spouses to continue coverage for a limited time (typically 30-90 days) after divorce, and you should contact the benefits administrator immediately upon separation to understand your options.

Seniors who are already receiving CPP disability benefits or Old Age Security (OAS) will continue receiving those benefits after divorce, and divorce does not affect your individual entitlement to government programs. However, income-tested benefits such as the Guaranteed Income Supplement (GIS) are recalculated based on your individual income after divorce rather than combined marital income, which may increase your GIS entitlement if your individual income is low. Life insurance policies naming your spouse as beneficiary should be reviewed immediately, and if your separation agreement requires you to maintain life insurance for your ex-spouse's benefit (common when spousal support is payable), ensure the policy remains in force and premiums are paid.

Cost of Gray Divorce in Alberta

Uncontested divorces in Alberta where spouses agree on all terms cost $1,500-$5,000 in legal fees plus the $270 court filing fee, and many couples handle uncontested divorces using online divorce services or limited-scope legal assistance to reduce costs. Contested divorces requiring court hearings, extensive discovery, and expert witnesses cost $15,000-$50,000 per spouse for moderate complexity cases, and high-conflict divorces involving business valuations, multiple properties, or allegations of asset dissipation can exceed $100,000 per spouse in legal fees. Couples over 50 typically face higher legal costs than younger couples because pension valuations ($1,500-$3,500), business valuations ($5,000-$15,000), and real estate appraisals ($300-$600) are more often necessary.

Mediators in Alberta charge $150-$300 per hour, and a mediated gray divorce typically resolves in 8-16 hours of mediation time plus 2-4 hours of lawyer time to review the agreement, resulting in total costs of $3,000-$8,000 per person. Collaborative divorce costs $10,000-$30,000 per person depending on the number of collaborative meetings and neutral experts required. While these alternative dispute resolution methods are expensive, they are substantially less costly than contested litigation and typically result in better long-term outcomes because spouses maintain control over the settlement rather than having a judge impose a decision.

Seniors should budget for ongoing costs including spousal support payments (if applicable), health insurance premiums, pension valuation updates if the divorce is delayed, and accountant fees for tax planning related to property division and RRSP transfers. These ancillary costs can add $3,000-$10,000 to the total cost of divorce.

Life Insurance and Estate Planning After Gray Divorce

Your will, power of attorney, and personal directives should be updated immediately after divorce to remove your ex-spouse as executor, attorney, and beneficiary unless your separation agreement requires otherwise. In Alberta, divorce automatically revokes any gift to your former spouse in your will under Section 53 of the Wills and Succession Act, S.A. 2010, c. W-12.2, but does not automatically revoke their appointment as executor or power of attorney, making it essential to execute new documents. Beneficiary designations on RRSPs, TFSAs, life insurance policies, and pension plans are not automatically revoked by divorce, and you must contact each financial institution separately to change beneficiaries.

If your separation agreement requires you to maintain life insurance to secure spousal support obligations, the policy must name your ex-spouse or your estate as beneficiary, and failure to maintain required coverage can result in your ex-spouse making a claim against your estate after your death. Alberta courts can order life insurance be maintained as a condition of spousal support, particularly when the payor is older and support is indefinite—this ensures the recipient spouse continues receiving support equivalent if the payor dies before them. The cost of life insurance increases significantly with age, and seniors should factor insurance premiums into their post-divorce budget.

Retirement account beneficiary designations should be reviewed to ensure your children or other intended beneficiaries are named, and you should consider whether to designate your estate as beneficiary (allowing your will to control distribution) or name individuals directly (avoiding probate but potentially causing unequal distribution among beneficiaries).

Frequently Asked Questions

How is my pension divided if I divorce after 50 in Alberta?

Employer pensions accumulated during marriage are valued as of the separation date and divided equitably, typically 50/50, and you can choose to divide the pension at separation using a lump-sum transfer or at retirement by splitting monthly payments. The non-member spouse receives a percentage of pension payments earned during the cohabitation period, and an actuarial valuation costing $1,500-$3,500 determines the present value for defined benefit pensions.

Is CPP credit splitting mandatory in Alberta?

CPP credit splitting is mandatory for married couples after divorce under federal law, but Alberta is one of three provinces allowing couples to opt out through a written agreement under the Family Property Act that expressly references the Canada Pension Plan Act. If your separation agreement does not address CPP credits, either spouse can unilaterally request splitting by submitting Form ISP-1901 to Service Canada, and the division is permanent.

How long will I receive spousal support after a 25-year marriage?

For marriages lasting 20 years or longer, Alberta courts typically order indefinite spousal support under the Spousal Support Advisory Guidelines, meaning support continues until the payor retires, either party dies, the recipient remarries, or a material change in circumstances justifies modification. Support is not automatically permanent—either party can apply for variation under Section 17 of the Divorce Act if circumstances change substantially.

Can my spouse take half of my inheritance in an Alberta divorce?

Inheritances received during marriage are exempt from property division under Alberta's Family Property Act unless you intermingled the inheritance with marital property by depositing it into a joint account or using it to purchase jointly-titled assets. If you kept the inheritance separate in your name alone, it remains your exempt property, but any investment growth or income earned on the inheritance during marriage may be divisible.

What happens to the family home if we both want to keep it?

The family home is always divisible marital property in Alberta regardless of whose name is on title, and if both spouses want to keep it, options include one spouse buying out the other's 50% equity share, selling the home and dividing proceeds, or one spouse receiving the home while the other receives equivalent value through other assets like pensions or investment accounts. Alberta courts can order exclusive possession of the home to one spouse during the divorce proceedings.

How does retirement affect my spousal support obligation?

Retirement at age 65 or later typically constitutes a material change in circumstances justifying reduction or termination of spousal support, but early retirement before 65 receives close scrutiny and courts may impute income if retirement appears designed to avoid support obligations. The recipient spouse's financial circumstances at retirement, including CPP, pensions, and property division received, are considered when determining whether modification is appropriate under the SSAG retirement provisions.

Will I lose my ex-spouse's CPP if they die before me?

CPP credit splitting divides credits accumulated during marriage, giving each spouse independent CPP retirement pension entitlement based on their share of pooled credits, and these credits remain yours regardless of your ex-spouse's death. However, CPP survivor benefits (a death benefit for surviving spouses) are only available to spouses married at the time of death, and you are not entitled to survivor benefits from an ex-spouse unless you were still legally married when they died.

Can I modify property division after the divorce is finalized?

Property division orders are final once the divorce is granted, and Alberta courts have no jurisdiction to modify property division based on changed circumstances—unlike spousal support which can be varied under Section 17 of the Divorce Act. This makes it critical to ensure property division is fair and complete before signing a separation agreement or consent order, and you should not agree to terms hoping to change them later.

How do I protect my adult children's inheritance during divorce?

Estate planning documents including wills and beneficiary designations should be updated immediately after divorce to ensure your children inherit your share of divided property, and you should consider whether to use testamentary trusts to protect assets from your children's potential future divorces or creditors. If you are receiving property equalization from your spouse, ensure the separation agreement specifies that any delay in payment accrues interest and is secured against your spouse's assets to protect against non-payment.

Should I file for divorce immediately after separating at age 60?

Filing promptly establishes the separation date for property valuation purposes and prevents your spouse from dissipating or hiding marital assets, but the divorce cannot be finalized until the 12-month separation period elapses. Alberta allows you to negotiate and finalize all financial terms during the separation year, and the divorce order is granted shortly after the year ends if you file the application in advance, making early filing strategically advantageous for seniors concerned about asset protection.

Finding a Family Lawyer for Gray Divorce in Alberta

Choosing a family lawyer experienced in complex gray divorce matters is essential because pension valuations, business divisions, and retirement-age spousal support calculations require specialized knowledge beyond basic divorce law. Look for lawyers who are members of the Alberta Family Mediation Society (AFMS) if you are interested in mediation, or the Alberta Collaborative Family Lawyers (ACFL) if you want to pursue collaborative divorce. Initial consultations typically cost $250-$500 for one hour, and you should meet with 2-3 lawyers before deciding who to hire.

During the initial consultation, ask about the lawyer's experience with pension division, CPP credit splitting, and SSAG spousal support calculations, and inquire about their fee structure (hourly rates in Alberta range from $250-$500 per hour for family lawyers). Request an estimate of total legal fees based on whether your case is likely to be uncontested, mediated, or litigated. The Law Society of Alberta provides a lawyer referral service at 1-800-661-1095, and you can search for family law lawyers by city on their website.

Legal aid is available for low-income Albertans through Legal Aid Alberta, but eligibility is restricted and primarily covers cases involving family violence or child protection—property division and spousal support disputes rarely qualify for full legal aid coverage. Many family lawyers offer limited-scope representation (also called "unbundled services") where you handle some tasks yourself to reduce costs while the lawyer provides advice and document preparation for critical issues.

Sources:

• Get a divorce | Alberta.ca
• Divorce and separation | Alberta.ca
• Court fees | Alberta.ca
• Divorced or separated: Splitting Canada Pension Plan credits - Canada.ca
• Pensions & Divorce in Ontario | Property Division & Your Pension
• Spousal Support Advisory Guidelines - Justice Canada
• Retirement - SSAG Revised User's Guide - Justice Canada
• What Happens to CPP When a Couple Separates? - Alberta Divorce Finances
• What Happens to Canada Pension Plan Credits on Separation or Divorce? - Henka Divorce Law