The published guidance on Three Must-Dos runs from too-general marketing summaries to too-specific technical papers, with very little in between. This piece aims for the middle: enough specificity to be useful, enough breadth to be applicable.
This piece is for divorce financial coaches who already have the basics and are deciding whether to make Three Must-Dos a focus area.
The economics of Three Must-Dos engagements for divorce financial coaches usually favor flat-fee or tiered-fee structures over hourly billing. The work is well-defined enough to scope cleanly, and clients usually prefer predictable costs. Coaches who develop reliable scoping templates can produce consistent margins where hourly-billed coaches absorb variable amounts of scope creep.
Starting the work
Document the intake. Either contemporaneous notes you keep in the file or a follow-up summary email to the client. Three Must-Dos engagements involve enough small decisions across long timelines that working from memory six months in produces errors.
A useful intake habit: ask the client to articulate, in their own words, what they’re hoping the engagement will produce. The answer reveals where the client’s expectations align with what Three Must-Dos engagements actually deliver and where they don’t. Closing the gap before the engagement starts saves significant friction during the matter.
The substantive work
Communication discipline during the middle phase prevents most of the problems that show up at the deliverable. Practitioners who send the client weekly or biweekly written updates — even short ones — maintain trust and surface issues early. Practitioners who go silent during the analytical work leave the client to imagine what might be happening, which is rarely productive.
Analytical work during the middle phase often produces interim findings that affect the engagement scope. A finding the client didn’t anticipate may open new questions; a finding consistent with expectations may close lines of inquiry. The engagement letter should anticipate these scope adjustments and provide a path for handling them without requiring full re-papering.
The deliverable
The deliverable for a Three Must-Dos engagement is the work product everyone will reference for years afterward. It needs to be defensible (your analysis can withstand scrutiny), readable (the client and any non-specialist can understand it), and complete (it addresses what the engagement was scoped to address). The deliverable usually takes 20-40% of the engagement hours; underestimating this consistently produces matters that run over time.
Review the deliverable with a peer before it goes out, especially in your first dozen Three Must-Dos matters. A senior practitioner or a peer who has done similar work will catch things you didn’t notice — both substantive issues in the analysis and presentation issues that affect how the deliverable lands. For deeper reference, see ABA Family Law Section resources.
How specific situations change the standard pattern
Pro bono or reduced-fee Three Must-Dos engagements present a specific risk: the temptation to deliver less rigorous work than the practitioner would for a paying client. Pro bono cases that go wrong because of insufficient analytical rigor damage practitioner reputation more than paying cases that go wrong, because the quality gap is visible.
High-conflict matters require different communication and documentation discipline than cooperative ones. In high-conflict Three Must-Dos engagements, every communication may eventually be reviewed by opposing counsel or a judge; the practitioner needs to write as if the matter will be litigated, even when it won’t be.
None of this is shortcut work. The practitioners who own Three Must-Dos in their markets earned their position the slow way — consistent attendance at the same conferences, careful case work compounding over years, relationships built deliberately.
How VennBoard fits in
If you’re building a focus on Three Must-Dos, the case-management infrastructure matters more than most practitioners think going in. VennBoard is built specifically for family-law-adjacent practitioners and handles the document organization, the multi-party coordination, and the engagement-management that makes long-arc matters manageable.
Learn more about how VennBoard fits into a cdfa practice focused on Three Must-Dos at VennBoard.com.
Further reading
IRS Publication 504 (Divorced or Separated Individuals)
ABA Family Law Section resources