Divorce at any stage of life can be difficult, but separating in your 60s brings with it a unique set of challenges. After spending decades together, couples often share not only a home and financial resources, but also deep social connections, routines, and a history that is hard to untangle. While younger couples may be more focused on raising children or building careers, those in later life are often contemplating retirement, financial security, and health concerns.

When separation occurs after such a significant period of time, it can feel overwhelming to work out what comes next. There are practical, emotional, and financial considerations to weigh up carefully, and the path forward often looks very different from what you might have imagined for your later years.

This article from Ella Hickman, principal at Hickman Family Lawyers in Perth, outlines some of the most important things to keep in mind when separating in your 60s, so you can navigate the process with more clarity and confidence.






Separating in later life isn’t only about the end of a relationship — it can reshape your living arrangements, your financial security, and your social world. There are several layers to consider. Practically, you’ll need to work out how to divide assets, possibly move to a smaller home, and ensure your legal documents reflect your new circumstances. Financially, it’s about ensuring you have enough to live on, managing superannuation and retirement savings, and possibly adjusting your expectations for the future. Emotionally, it can involve grief, loneliness, and the challenge of rebuilding a social and personal identity outside of the marriage.

Each of these areas needs careful thought, and while it may feel daunting, taking them one step at a time will help you create a more stable and positive future after separation.


Practical Aspects

Separating after decades together involves many practical considerations, and this can be one of the most challenging parts of the process. Unlike a short-term relationship, where assets and belongings may be relatively straightforward to divide, a long marriage often involves seemingly endless shared possessions, property, and, of course, sentimental items that carry significant emotional weight.

One of the first tasks is working out how to divide physical assets. This may include household goods such as furniture, appliances, and artwork, as well as vehicles and other personal items. While some of these can be divided by agreement, it’s often the sentimental belongings — family heirlooms, photo albums, or gifts — that are the hardest to divide. It’s important to approach these discussions with patience, fairness, and sometimes with the help of a mediator, to avoid conflict.

Pets can also be a sensitive issue. For many couples, pets are like family members, and deciding who will care for them is a deeply personal matter. Practical questions, such as who has the time, space, and financial ability to provide proper care, need to be balanced against emotional attachment. Some couples even arrange ‘shared care’ of pets, though this requires ongoing amicable co-operation.



Housing is another major consideration. Many people in their 60s decide to downsize after separation, both to free up financial resources and to reduce the physical and financial burden of maintaining a larger home. This decision can bring both challenges and opportunities — it may be difficult to leave the family home, but moving to a smaller property can also open the door to a fresh start in a space that is yours to enjoy and build.

Legal documents must also be updated as soon as practically possible. This includes reviewing your current will, powers of attorney, and advance health directives to ensure that your wishes are carried out by the right people. Similarly, superannuation funds and insurance policies often require binding death benefit nominations to be kept current. If your ex-partner is still listed as a beneficiary, this may no longer reflect your wishes and will need to be amended.

Insurance coverage is another area that should not be overlooked. If you previously held joint policies, you’ll need to consider whether to separate them or take out new individual cover. This includes health, home and contents, and life insurance. Ensuring these are up to date can provide peace of mind as you navigate your new circumstances.

While the practical aspects of separation can feel like a never-ending list, addressing them methodically ensures you have the foundations in place for the next stage of life.




Financial Changes

The financial impact of separating in your 60s can be significant, particularly if you are retired or close to retirement. Unlike younger couples who would have more time to rebuild wealth, older individuals may have fewer earning years left to recover from a split. Careful financial planning is essential to secure financial stability now and in the future.

The first step is to create a new budget that reflects your changed circumstances. You may find that expenses increase when living alone, particularly if you are used to sharing costs such as mortgage/rent, utilities, groceries, and transport. At the same time, your income may remain fixed if you are reliant on a pension or superannuation. Reviewing your current and future needs is critical to avoid financial strain.



Splitting financial assets can be complex. This includes dividing savings accounts, investments, property, and even debts. Superannuation is often one of the most significant assets for people in their 60s, and it can be split as part of a property settlement. Understanding how this works and what it means for your retirement income is crucial. Property settlements can also involve difficult decisions about whether to sell the family home or if one person can afford to buy out the other’s share.

Debts are another factor. Even if you have largely or completely paid off your mortgage, you may still have credit cards, loans, or other financial commitments that need to be resolved. These will generally need to be divided fairly, just like assets.

For some, separation means that additional income will be needed to cover new living expenses. This might involve returning to work, working longer than planned, or exploring alternative income sources. Others may need to adjust their lifestyle expectations to align with the resources they have available.

Seeking professional financial advice can make a significant difference. A financial advisor can help you assess your assets, create a sustainable plan for the future, and provide guidance on matters such as tax, superannuation, and investment strategies. At this stage of life, ensuring that your financial plan matches your retirement goals and health needs is essential.

Ultimately, while separation in your 60s can bring financial upheaval, careful planning and formal financial advice from a trusted and qualified financial advisor is highly recommended. It can help you regain control of your financial situation and feel much more confident about your future.


Emotional Challenges

Perhaps one of the most overlooked aspects of separating later in life is the emotional impact it can have. Even if the separation is amicable, it is still the end of a very significant relationship that may have lasted for decades, and it is natural to grieve its loss. Loneliness, sadness, and anxiety about the future are common feelings, and addressing them is just as important as managing the practical and financial aspects.

A strong support network can make all the difference. Friends and family can provide both emotional comfort and practical assistance, from offering a listening ear to helping with day-to-day tasks. If your social circle is limited, it may be a good time to reconnect with old friends or build new connections through community groups, volunteering, or clubs.

Self-care should not be underestimated either. This might mean prioritising your health through regular exercise, maintaining a balanced diet, or making time for relaxation and activities you enjoy. Even seemingly small activities, such as going for a daily walk or setting aside time to read, can have a positive effect on mental well-being.



Exploring new hobbies and interests can also be a valuable way to establish a renewed sense of purpose. Many people find that separation offers the chance to try things they never had time for before, whether it’s travelling, taking up a creative pursuit, or joining a local interest group. Staying socially active reduces the risk of isolation and helps you maintain a sense of belonging in your community.

Professional support may also be helpful for some people separating in their 60s. Counselling or therapy can provide a safe space to process emotions and develop coping strategies. Support groups for people going through separation or divorce can also provide comfort, offering the chance to share experiences and learn from others in similar situations.

Perhaps most importantly, focusing on the future rather than the past can help shift your mindset. While it may take time, many people who separate later in life find a renewed sense of independence and discover new opportunities they hadn’t previously considered. Viewing this stage as a new chapter rather than an ending can provide hope and motivation.

Separating in your 60s is never going to be easy, but it is possible to navigate the process with resilience and foresight. By addressing the practical, financial, and emotional aspects thoughtfully, you can create a secure and fulfilling path forward.

Consulting both a family lawyer and a financial adviser will ensure your rights and future are protected, giving you the best chance of building stability and finding happiness in the years ahead.


About the author: Ella Hickman is the Owner and Principal of Hickman Family Lawyers, one of the leading family lawyers in Perth.

She practices almost exclusively in family law in Perth and has a particular interest in parenting and children’s issues, matters arising from domestic violence in relationships, and property settlement cases.

She has a Bachelor of Laws and Bachelor of Arts (majoring in Psychology) from the University of Western Australia and has been practising as a barrister and solicitor since 2014.

Advice given in this article is general in nature. Always seek professional advice that takes into account your personal circumstances before making any financial decisions.