Carmen is a certified Financial Coach and former international business owner, qualified with a National Diploma in Internal Auditing and Financial Coaching certification (FPI-accredited, South Africa). She specializes in guiding women through the complete financial and emotional transformation that divorce requires.

Her unique approach begins with mindset work—helping women navigate the emotional and practical challenges that divorce brings to their financial lives. Whether clients are recovering from financial control or abuse or need support managing overwhelming financial decisions, Carmen addresses the blocks and fears that emerge during this transition. Drawing from firsthand experience of divorce-related financial pitfalls, she understands that even financially savvy women benefit from expert guidance during vulnerable times.

This foundational work enables confident decision-making regarding practical strategies, including income management, asset allocation, and long-term financial planning. With over 20 years of experience in high-level financial oversight, Carmen combines proven expertise with a deep understanding of how life transitions influence financial choices. Her aim is to ensure clients emerge not just financially stable but genuinely empowered in their independence.

Carmen's creative background as a multimedia artist and composer—with work featured in internationally recognized publications—reflects her holistic approach to transformation and her belief that healing encompasses all aspects of life.

Why Refer Your Clients to Me

• Enhanced Client Outcomes:
  
  I prepare your clients for sustainable success beyond the legal process by building both the practical financial skills and emotional confidence they need for true independence.
  
  

• Reduced Client Stress:
  
  I transform financial overwhelm into clarity by providing step-by-step guidance tailored to each client's new circumstances, allowing them to make informed decisions with confidence, especially those recovering from financial abuse or controlling relationships.
  
  

• Strategic Partnership Value:
  
  I complement your legal expertise by ensuring clients are financially empowered and prepared for their next chapter, creating better long-term outcomes and more satisfied clients who feel truly ready to move forward.

About Carmen Tosca

Who Benefits Most

• Women beginning the divorce process who feel overwhelmed by financial decisions
  
  

• Recently divorced women managing settlement funds for the first time
  
  

• Those rebuilding financial stability after financial abuse or control
  
  

• Women who previously relied on partners for financial management
  
  

• Anyone seeking to build confidence and independence with money management

Contact

Email: carmen@prosperwoman.com

Client can also apply here: Apply