Here’s a question I hear constantly from couples in mediation: “Should we figure out who gets what assets first, or should we talk about spousal maintenance first?” In Washington, property division and spousal maintenance are analyzed sequentially in the legal framework, but they should be negotiated strategically together.
I’ve seen couples make costly mistakes by treating these as separate issues. They’ll negotiate an “equal” property division, only to discover the maintenance implications make the agreement unworkable. Let me show you why the intersection matters and how to approach it strategically.
Washington’s Sequential Legal Framework

How Washington approaches divorce is straightforward: property division gets determined first in a manner that’s just and equitable. Only after determining how property will be divided does the analysis turn to whether spousal maintenance is appropriate.
This makes sense. How can you determine if someone needs maintenance without knowing their assets? If one spouse receives substantial liquid assets or income-producing property, that affects their need for ongoing support. Similarly, if the higher-earning spouse takes on significant debt, that affects their ability to pay maintenance.
But just because the legal analysis is sequential doesn’t mean your negotiation should be. Negotiating them separately is one of the most significant strategic mistakes I see.
Why Sequential Negotiation Creates Problems
Imagine you’re the lower-earning spouse, and you negotiate to receive 60% of the community assets because you earn less. However, when discussing maintenance, your spouse might argue that because you received a larger share of assets, you need less maintenance. What felt like a win becomes leverage against you.
Or consider the reverse. You’re the higher-earning spouse and agree to pay substantial monthly maintenance. However, during property division, you end up with most of the community debt since you’re keeping the family home. Now you’re trying to pay maintenance, cover a large mortgage, and handle credit card debt while your spouse has liquid assets. The numbers don’t work, but you’ve already agreed to the maintenance amount.
They treat property division and maintenance as separate buckets when they’re actually two sides of the same coin.
The Total Economic Package Approach
In mediation, I help couples consider the “total economic package.” This involves examining what each spouse receives in terms of assets and ongoing support, and then assessing whether the total package enables both individuals to proceed with reasonable financial stability.
Let’s work through an example. Say you have $600,000 in community assets and one spouse earns $120,000 annually while the other earns $25,000 part-time. A pure equal split gives each spouse $300,000, but the income disparity remains enormous.
You might structure this in several ways. Option one: equal property split plus $3,000 monthly maintenance for seven years. Option two: unequal split with $250,000 to the higher earner and $350,000 to the lower earner, plus $2,000 monthly maintenance for five years. Option three: equal property split plus a lump sum maintenance buyout of $150,000.
Which is “better”? That depends on your circumstances and priorities. You can only evaluate these alternatives by looking at both components together.
How Property Division Affects Maintenance Analysis

What gets considered in Washington includes “the financial resources of the party seeking maintenance, including separate or community property apportioned to him or her.” Property division directly impacts an individual’s need for maintenance.
If you receive the family home with substantial equity but limited income, you’re asset-rich but cash-poor. You might need maintenance even though your net worth looks reasonable. Conversely, if you receive significant liquid investments or retirement accounts, your need for monthly maintenance might be reduced.
The same applies to debt. If the property division leaves you with a mortgage, car payments, and credit card debt, your ability to pay maintenance is constrained even if your income seems sufficient.
This is where my MBA training becomes valuable. We’re conducting a complete financial analysis that includes asset allocation, debt distribution, cash flow projections, and long-term sustainability. You can’t do this by looking at property and maintenance in isolation.
Strategic Negotiation Framework

So how do you reconcile these two components? I use a framework that allows couples to explore multiple scenarios while keeping the total economic outcome in sight.
First, we identify the “shared financial pool”—the total community assets and debts that need to be divided, plus the income differential between spouses. This gives us the complete picture.
Next, we discuss each spouse’s post-divorce financial needs and goals. What standard of living are you hoping to maintain? Do you need time to gain education or training? Are there specific assets that matter more to you?
Then we model different scenarios combining varying property splits with different maintenance structures. We can see in real numbers how different combinations affect each spouse’s projected budget, liquidity, and long-term security.
Throughout this process, we’re looking for trades and creative structures. Perhaps one spouse is willing to accept less maintenance in exchange for keeping the house. Maybe the other wants to take retirement accounts, accepting higher maintenance to offset the reduced liquidity. Perhaps both parties wish to avoid ongoing maintenance and opt for equalization through property division instead.
This approach opens up negotiating possibilities that don’t exist when you treat these as separate issues. You’re working together to structure the financial outcome in a way that serves both people’s needs.
Tax and Timing Considerations
Understanding the tax implications of different structures is critical. Property division in divorce is generally tax-free, while maintenance is neither deductible nor taxable after 2018. This creates opportunities for tax-efficient structuring.
Giving one spouse a larger share of pre-tax retirement accounts has different long-term tax implications than giving them after-tax assets or real estate. When combined with maintenance, you can structure agreements that achieve the intended economic outcome while minimizing overall tax burden.
Timing also matters. Is one spouse retiring soon? Is the lower-earning spouse going back to school? These considerations affect both property division and the duration of maintenance.
We don’t just tackle the immediate challenges of dividing assets and determining support. We help you anticipate how circumstances might change down the road. What if the paying spouse’s income changes significantly? What if the receiving spouse starts earning substantially more? By planning for these speed bumps now and building appropriate flexibility into your agreement, you can move forward confidently without constantly looking back or worrying about future disputes.
The Mediation Advantage
In litigation, property and maintenance are often treated as separate issues, argued separately by attorneys trying to maximize their clients’ positions on each front. You’re fighting for the largest share of the property AND the highest maintenance amount, which makes reaching any agreement nearly impossible.
In mediation, you have the flexibility to negotiate these interconnected issues as they truly are—parts of one comprehensive financial picture. Sometimes it makes sense to tentatively agree on a property split with the understanding you’ll revisit it once you work through maintenance. The key is maintaining flexibility and recognizing that adjustments to one component might require adjustments to the other.
With my background in finance and specialized training from Harvard, MIT, and Northwestern, I bring financial expertise to help you analyze even the most complex property and maintenance scenarios. If your finances involve business valuations, stock options, executive compensation, or significant real estate holdings, having someone who can cut through that complexity makes an enormous difference. We protect what you’ve built while ensuring that both of you are well-positioned for your respective futures.
This kind of integrated, strategic approach to property division and maintenance is exactly what mediation offers that litigation cannot. You’re not fighting over isolated issues—you’re designing a comprehensive financial plan that actually works when you start living your post-divorce life.
Moving Forward Holistically
The most successful negotiations are those in which couples understand from the beginning that property division and maintenance are part of a larger financial puzzle. They’re willing to consider multiple scenarios, explore creative structures, and evaluate options based on the total economic package rather than winning on individual issues.
When you approach these negotiations holistically in mediation, you maintain control over the outcome rather than leaving it to a judge who doesn’t understand your family’s specific circumstances. You can explore creative solutions—like unequal property splits combined with reduced maintenance, or lump sum buyouts, or step-down maintenance arrangements—that would be nearly impossible to achieve through litigation’s rigid, adversarial process.
I’m not an attorney and can’t provide legal advice about what might happen in your specific case. But I can guide you through the financial analysis to show how different property and maintenance combinations impact your real-world outcomes, helping you reach agreements grounded in data rather than fear or emotion.
Working with an experienced mediator who understands both how Washington handles these issues and the financial complexities of integrating property division with maintenance can transform your divorce negotiation. Instead of fighting separate battles and hoping the pieces fit together, you’ll have an integrated financial plan that allows both of you to move forward with clarity, stability, and confidence in the fairness of your agreement.






