Before any financial settlement, you need a complete, honest picture of what exists. Missing an account or a debt now means renegotiating later — or worse, being surprised by a liability you didn't know about.
Whether assets are shared or separate often depends on the legal regime under which you married — in community of property, out of community with or without accrual, or under another system. This is exactly where professional advice matters.
Keep a dated record of balances, valuations and correspondence. A clear paper trail protects you if disputes arise later.
Educational information only — not financial or legal advice. Consult a qualified financial adviser and attorney.