The supermodel reportedly has no financial agreement with her husband of four years, who she recently split with, but is seeking ''top advice'' from solicitors in order to come to a sensible agreement.
A source revealed: ''Kate has spoken to solicitors in London but it is not clear how far things have got - she may just be getting her house in order.
''Although there is no pre-nup her lawyers are the best and she will be getting top advice.''
The 41-year-old star's The Kills guitarist ex is apparently uninterested in getting his hands on Kate's personal fortunes, which total more than £20 million for her companies alone, and instead is hoping for a ''painless and quick'' divorce.
A friend of the couple said: ''Jamie doesn't want any hassle or fuss.
''And he certainly doesn't want her money. He wants the separation to be as painless and quick as possible.
''He's fond of Kate's daughter Lila Grace and hopes it can remain friendly and they stay on good terms. Making sure he doesn't take any of Kate's wealth is all part of that.''
However, 46-year-old musician Jamie is desperate to cling onto his valuable collection of vintage wines which he is hoping Kate will let him keep.
A pal told The Sun newspaper: ''But what he does want to keep is his wine collection. That and a few other investments he has picked up - like a collection of antique books he has put together.''