Financial advice through separation

Divorce.

We work alongside your solicitor so you know what every asset is really worth, and what life on one income looks like, before you agree to anything.

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What a pension is worth

Two pots of the same size can be worth very different amounts.

A final salary pension and a cash pension with the same transfer value can pay very different incomes, with very different guarantees. The house can look like security and turn out to be a cost you can't carry.

We value each asset by what it will do for you, so the settlement fits the life you're going to live.

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A worked example

Two £500,000 pensions.

One is a final salary pension with a transfer value of £500,000. It pays a guaranteed income, rising with inflation, for life. The other is a £500,000 pension pot that pays whatever it can, for as long as it lasts.

Split them as if they were equal and one of you may retire on far less. We value each by the income it will pay.

Illustrative. Real values depend on the scheme, your ages and the rules at the time.

What you get

What you'll have at the end.

A value for every asset.

What each is worth to you, not just on paper.

A one-household expenditure framework.

What you will need to live on, year by year.

A settlement tested.

Each proposal checked against that framework, with your solicitor.

A plan for afterwards.

New wills, nominations and a plan of your own.
How it unfolds

Before, during and after.

Separating.

Gather the facts and protect your day-to-day finances.

Negotiating.

Value each asset properly, with your solicitor, before you agree.

Settling.

Put the order into effect: pensions, property and investments.

Rebuilding.

A new plan, new wills and nominations, for one household.

Questions

What clients ask us first.

Something not covered here? Ask us. We will reply within one working day.

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Is an equal split a fair one?+

Not always. Assets with the same value on paper can pay very different incomes and carry different tax. We show you what each is worth to you.

Should I keep the house?+

Only if you can afford to run it on one income. We test it against the rest of the settlement before you fight for it.

What will I live on afterwards?+

We build an expenditure framework and a plan for one household, so you know what the settlement has to provide.

Are there tax traps?+

Some. Moving assets between you is usually free of capital gains tax only for a limited time after you separate, so timing matters.

Can you advise both of us?+

No. We act for one of you, alongside your solicitor, who gives the legal advice. Your former partner should take their own.

A settlement is a set of numbers. The aim is a life you can afford to live afterwards.

We’ll listen, tell you honestly whether we can help, and what it would cost.

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This content is for information and illustration only and does not constitute personal financial advice. Speak to a qualified financial planner before making decisions.