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Linda Cartier

Registered Financial Planner & Chartered Financial Divorce Specialist

Linda Cartier is a Certified and Registered Financial Planner (CFP and R.F.P.), and a Chartered Financial Divorce Specialist (CFDS).

She belongs to the Sudbury Collaborative Practice Group, the Financial Planning Standards Council of Canada, and the Institute of Advanced Financial Planners (IAFP). The IAFP also demands the very highest level of professional standards and ethics from R.F.P. professionals and requires significant annual continuing education to maintain her credentials.

Linda operates the Academy of Financial Divorce Specialists, responsible for training financial professionals across Canada for the Chartered Financial Divorce Specialist (CFDS®) designation to help families going through separation, co-habitation or transition plus, continues to operate her local financial planning company in Sudbury, Financial Decisions Inc. with her daughter, Melanie and husband, John Lindsay.

Location

Contact Information

Address
Financial Decisions Inc, 1546 Bellevue Ave, Sudbury, ON P3B 3G2, Canada
Phone
(705) 525-7526
Fax
(705) 525-4632
Email
[email protected]
Zip/Post Code
P3B 3G2

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Frequently Asked Questions

No.  You do not need a home inspection when you buy a house either.  You do not need a lawyer when you separate.  Those are two of the most important decisions you will make in your life.  Like a home inspector, the lawyer will look at your situation and help you come up with solutions.  You should get good advice and have your Separation Agreement written by a professional. 

Yes. Collaborative Practice Sudbury is available for all people in families who need help.  

No.  Only lawyers, financial professionals and family professionals specially trained who sign Participation Agreements can help you.  

These professionals have training recognized by the Ontario Association of Collaborative Professionals.  Our members commit to continuing education and we meet regularly and attend seminars and conferences.  

No.  Lawyers need Collaborative training to understand that it is very different than law school training and the courtroom.  Real Collaborative lawyers sign Participation Agreements to stay out of the courtroom.  Any lawyer that does not sign a Participation Agreement is not a real Collaborative lawyer and you are not in a Collaborative separation. 

Your family professional helps you and your spouse. Separating is tough.  Collaborating makes it easier with a family professional.  Your family professional will help you have positive conversations with your spouse that lead to an agreement. Your family professional helps you and your spouse deal with the emotional issues from your relationship when you are separating and collaborating. Depending on the needs of your family, the family professional may want to speak to your adult child.

By collaborating. 

By understanding your emotional issues with the family professional. 

By understanding the financial issues with the financial professional. 

By understanding the legal issues with the lawyers. 

By understanding your spouse and your spouse understanding you. 

By collaborating. 

Only a judge can give you a divorce.  You can deal with money, property, children, and other concerns in a separation agreement prepared by the Collaborative lawyers.  Then, after the separation agreement is signed, you can ask your collaborative lawyer to get a simple divorce. 

You need two people to agree to get married.  You only need one spouse to want a divorce or separation.  If you or your spouse is having a hard time accepting the separation, then the family professional in the collaborative separation can help you.  There is no team to help you if you choose to go to court.

If one person “wins” in a separation, then it will lead to problems in the future because the “loser” will never accept the “loss”.  In Collaborative, we want both of you and your children to feel heard, understood and helped.  No one should feel like he or she has “lost”. 

Cohabitation Agreements and Marriage Contracts (what some people call “Pre-Nups”).

This is a new choice and the Collaborative method keeps expanding.  Collaborative might be a good choice for your issue.  Ask a Collaborative professional.

Collaborative Practice Sudbury seeks to help separating couples find a resolution without needing to go to court. Collaborative professionals are trained to keep conversations respectful and productive while working towards solutions that are the best for children and families.  

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