THE BLOOM VAULT KIT
Two short sessions to build the system, then the statements roll in and the checklist fills. By the time you sit down with counsel, your retainer goes toward advice instead of sorting. Five guided tools for $47, with a seat at the next live workshop included.
Delivered by email within minutes · Works in every state · Discreet billing · 30 day money back promise
A CALM HARBOR
Before You Meet
The Attorney
You were never the one who handled the accounts. Now everyone is asking you for them. If your spouse managed the bank logins, the tax filings, and the investment statements, feeling in the dark is a natural place to start. You trusted a division of labor. That is not the same as being unprepared.
Does Any of This Sound Familiar?
- You are asked for statements, account numbers, and titles you've never had direct access to.
- The thought of opening a complex spreadsheet triggers immediate anxiety and paralysis.
- You fear that speaking to an attorney right now will expose what you don't know rather than protect you.
Here is the relief: You do not need a background in finance, and you will never be asked to build a spreadsheet. All you need is one quiet weekend and a guided structure designed to organize everything step-by-step.
THE FINANCIAL REALITY
The Meter Starts
Immediately
Family law attorneys and legal professionals can bill between $300 and $500+ every single hour. From the moment your retainer clears, every email sent asking for missing bank statements, every unlabeled PDF sorted by an associate, and every disorganized thread reviewed by your legal team burns through your family's assets at professional rates.
When you walk into legal consultations unprepared, you end up paying $300+ an hour for basic clerical filing rather than strategic legal counsel. The legal process contains many variables outside your control, but document readiness is the one domain where your preparation directly determines your final legal expenditure.
$300–$500+
AVERAGE HOURLY BILLING RATE
Every uncatalogued statement and missing record costs billable hours. Thorough pre-filing organization preserves your retainer for negotiation, not clerical sorting.
THE USUAL SHORTCOMINGS
What You Have
Probably Tried
Most people navigate the initial uncertainty using piecemeal methods that create confusion, drain financial reserves, or amplify anxiety.
OPTION 01
Generic Online Checklists
Aggregated from generic blogs without jurisdictional nuance. They list vague document names but fail to teach you how to audit assets or structure disclosure.
The Fatal Flaw: Incomplete, unvetted, and leaves critical blind spots.
OPTION 02
Asking the Attorney
Using high-rate retainers ($400+/hr) to answer administrative questions. You end up paying counsel hundreds just to sort through unsorted bank records and emails.
The Fatal Flaw: Most expensive way to organize baseline facts.
OPTION 03
Facebook & Peer Groups
Crowdsourced advice from anonymous members sharing worst-case scenarios. Their emotional anecdotes fuel fear and result in conflicting, unverified tactics.
The Fatal Flaw: Emotion-driven noise with zero legal validation.
OPTION 04
Blank Spreadsheets
Building asset registers from an empty workbook. You do not know what liabilities, recurring obligations, or hidden accounts you are forgetting to track.
The Fatal Flaw: High risk of omitting major marital property.
The Alternative: The Vault Kit resolves all four issues at once by providing a vetted, pre-structured framework that organizes your entire file in a single weekend before you ever speak to counsel.
THE COMPLETE SYSTEM
The Bloom Vault Method
Five modular, rigorously structured tools engineered to transform financial chaos into ironclad disclosure readiness before meeting your legal team.
Vault Setup Guide
Build the eight-folder structure that holds everything, on your computer or in a private cloud drive, in about twenty minutes.
- Eight folders, from Income and Taxes to Insurance and Other
- Simple privacy habits for shared devices and accounts
How To Name Your Files
One naming pattern (date, account, last four digits) so every file is findable in seconds and your attorney never has to ask "which statement is this?"
- Pattern and examples for every folder
- Works for scanned paper and downloads alike
Document Checklist
Every document a divorce financial review typically needs, listed by folder, with a tracker for each step from requested to filed.
- Three years of tax returns, 36 months of statements, and the items most people forget
- Tracker columns: Applies, Requested, Received, Redacted, In Vault
Inventory Matrix
One row for every account, asset, and debt you know about, joint and separate, so nothing gets left off the table.
- Spreadsheet with guided prompts and the three commonly missed items already listed
- Becomes the backbone of your marital balance sheet
Helpful Reports Request Guide
Word-for-word scripts for asking banks, employers, and custodians for what you need, plus the five free reports to pull on day one.
- Scripts for bank, brokerage, retirement, mortgage, and insurance requests
- IRS transcripts, credit reports, and Social Security statement, step by step
Instant download. Includes all five guides, the working spreadsheet, and the printable checklist. Financial organization, not legal advice.
Kristina Heckel, CDFA®, CFEI®, CADP™
Founder, Bloom Divorce Advisory Services · Scottsdale, Arizona
MEET THE FOUNDER
Built From Real
Practice
Every framework, worksheet, and calculation inside the Vault Kit was refined through years of private client advisory. In almost every case, the same painful dynamic played out: one spouse managed every account, password, and tax return, while the other was handed settlement paperwork they had zero context to evaluate.
Kristina founded Bloom Divorce Advisory Services to give individuals and couples a calmer, more informed way to move through the financial side of divorce. Her background spans hospitality leadership, financial services, and specialized divorce financial planning.
She is not an attorney and does not compete with litigation attorneys. She occupies the informed middle: settlement-focused, education-driven, private, and genuinely invested in preserving both wealth and wellbeing.
CDFA®: Certified Divorce Financial Analyst
CFEI®: Certified Financial Education Instructor
CADP™: Certified Amicable Divorce Professional
Divorce Financial Planner
Mediator
HOW THE WEEKEND GOES
Organized In One Weekend
Built in a weekend. Filled over the next few weeks.
Build the vault and pull the five free reports
Create the eight folders on your computer or in a private cloud drive, then pull your credit reports, IRS transcripts, and Social Security statement using the step by step guide. Those five reports show every account connected to your name.
Fill in the Inventory Matrix
List every account, asset, and debt you know about, from memory and from the reports you just pulled, then mark what applies on the Document Checklist. The three items nearly everyone forgets are already on the list.
Work the Requested column
Two or three calls a day using the word for word scripts, and file each document as it arrives. Most people have a complete vault in two to three weeks without a single billable hour spent on it.
Your seat at the next live workshop
Prepared, Not Panicked: The Divorce Preparation Workshop runs live online regularly. Next session: Tuesday, October 6, 2026 at 6:00 PM Arizona time (9:00 PM Eastern). Bring your vault. A replay goes to everyone who registers.
PEACE OF MIND POLICY
Our 30-Day Promise
Use the kit for 30 days. If it did not save you at least one hour of attorney time, or you simply did not find it useful, reply to your receipt email. We refund the $47. No form, no call, no questions. The tools are yours to keep either way.
Frictionless: Reply to receipt • 100% Refund: Full $47 returned • Yours to Keep: Retain all 5 tools
INSTANT DIGITAL ACCESS
Start This Weekend
Pay $47 today. Your download link arrives by email within minutes, along with your confirmation for the next live workshop.
Discreet billing. Nothing on your statement mentions divorce.
Bloom Divorce Advisory Services provides financial education, analysis, and organizational tools. We are not attorneys and do not provide legal, tax, or investment advice. Please consult your attorney for legal questions and your tax professional for tax questions.
Discreet billing. Nothing on your statement mentions divorce.
© 2026 Bloom Divorce Advisory Services. All rights reserved.