going through a divorce.

secure your financial future during and after divorce

guiding you through life’s challenges

Going through a divorce can significantly impact your financial situation, often in ways that are both immediate and long-lasting. Navigating the financial repercussions often involves complex and significant decisions, particularly concerning the division of shared assets, including the allocation of pension benefits and retaining a share of the household’s wealth.

However, there is light at the end of the tunnel, as you don’t need to make these decisions alone. We will hold your hand throughout the process and reassure you that you are making the right choices about your financial future, no matter what stage of life you are at.

One thing to remember is that no question is too big or too small. We will sit with you and answer questions such as “Can I afford to stay in my home?” and “How different will my retirement look now?”.

expert advice

this is how we provide solutions to your problems

Going through a divorce can be an emotionally taxing time and navigating the financial aspects can add another layer of stress. We will serve as a steady guide, offering reassurance and clarity during this turbulent period.

You’re not alone in this journey, and having a skilled financial adviser by your side can make a world of difference in ensuring your financial wellbeing amid the changes.

Reviewing your goals

Following your divorce, long-term financial goals, such as retirement planning, may need to be revisited and revised to reflect your new reality. When it comes to agreeing on a divorce settlement, we can show you the implications on your lifetime cashflow forecast, enabling you to feel more informed and in control.

Structuring your investments

With this major life change comes questions about where to best place your money. By explaining the options available to you, you can make a well-informed decision about what is best for your financial future. We can ensure that your investments are structured in a way that maintains flexibility should your circumstances change.

Navigating your options

Divorce is filled with options and decisions to make. Whether it is concerning your mortgage, pension or assets, you want to make sure you understand your options. We will take a step back and ensure that your pension provider is suitable for your needs and that you are getting value for money. We’ll also book regular progress check meetings, so your needs will continue to be met and we will maintain flexibility if your circumstances change.

frequently asked questions

Will you work with my other professional advisers?

Absolutely. We want to make this as stress-free as possible for you and we believe in working with your other advisers to achieve the greatest possible outcome for you. After all, we want to make sure that we are all on the same page and looking to achieve the same outcome.

How can I ensure tax efficiency?

By working with our team at the start of the divorce process, we can help ensure that any tax planning opportunities are used and that you do not lose money unnecessarily.

What happens with my mortgage?

We know what to do in these situations. You will likely need a mortgage capacity report as part of the divorce process, and our team can help get these documents together. We can also help you find a mortgage if you are buying out your spouse’s share of the home or buying a new home.

What is a Pension Sharing Order?

This is part of the financial settlement in a divorce. A court may order your former partner to split their pension with you, and this process is called a Pension Sharing Order. If this happens, then you’re entitled to take the specified share of their pension. You may or may not be able to join their pension scheme.

Why would my ex-spouse’s pension provider say they cannot set me up with a pension?

Not all pension providers will allow you to become a member of your ex-spouse’s pension scheme for various reasons. If this happens, it can be overwhelming, and you may wonder what to do. We can advise you on pension schemes that will accept your pension credit, and we can handle the implementation, allowing you to focus on other parts of your life.

How long does it take to carry out a Pension Sharing Order?

The length of time depends on the complexity of the pension and the speed of the pension provider. Once the order has been received, the pension administrator has up to four months, from the date of receiving all necessary information, to carry out the Pension Sharing Order.

Don’t just take our word for it.

In all our negotiations, David has explained things in an easily understood manner, which has made a complex procedure much easier to comprehend. Having never had any experience of the world of finance, I’ve found him supportive and informative.

Susan, Received an inheritance

The whole experience has been professional, friendly and informative. At all times, I could ask the “daft question,” which was really important for me as I was unskilled in this area and needed to trust the person I chose.

Jason, Actively retired

David was very thorough and went through every fine detail regarding my private pension. He gave me lots of guidance and different options. David always went out of his way to help me and is extremely knowledgeable.

Jennifer, Actively retired

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Ready to take control of your financial future?

We love meeting new people and learning about you. If you are interested in finding out more, please schedule an introductory meeting with us by clicking on the button below. We do not charge for an introductory meeting, and we can both use this meeting to assess whether we are the right fit for one another.

The Financial Conduct Authority does not regulate tax planning or divorce settlement agreements
Tax treatment varies according to individual circumstances and is subject to change.
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Your home may be repossessed if you do not keep up repayments on your mortgage.

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