Financial Planning on
Divorce or Separation

Yes, most of our work happens alongside family solicitors or mediators. They focus on the legal side, we focus on making sure the numbers make sense. That might include checking pension valuations, detailed cash flow modelling, assessing affordability, or explaining how various financial settlement scenarios will impact you both short-term and long-term.

Pensions are often the single most valuable asset in a marriage or civil partnership, sometimes worth even more than the family home, but they’re also the most misunderstood. Many people focus on short-term needs, like housing or the costs of looking after the children, without realising how much of their future income could be tied up in pension benefits.

We help you understand what your pensions are actually worth, using expert reports where needed, and explain how sharing, offsetting, or earmarking options would affect your long-term security. This ensures you don’t give up a valuable and often necessary income stream for something that may look fair today but could leave you financially vulnerable later.

Yes, the family home often carries deep emotional value but keeping it isn’t always the best financial decision. We look carefully at your income, mortgage capacity, and overall settlement to determine whether retaining the home is affordable, not just now, but over the longer term.

We can work through different scenarios, such as selling and downsizing versus buying out your ex-partner’s share, showing how each choice affects your cashflow, savings, lifestyle and retirement plans. Our goal is to help you make balanced decisions that provide both security and flexibility for the future.

A Clean Break Order is a legal document that severs all future financial ties between you and your ex-spouse or partner. For many, it’s a positive step to draw a clear line under the split and move forward independently. However, it needs informed and careful planning to be fair and workable.

We’ll test whether any financial settlement is realistic for your particular circumstances and aspirations. We will help your solicitor make the numbers add up, ensuring that you can truly move on by having a sustainable and secure future.

We don’t provide legal advice, but we help you understand the financial implications of different settlement scenarios. This includes analysing pensions, investments, property, and other assets so you can make informed decisions and avoid unnecessary litigation. Knowing at a minimum “how much is enough for my future” can give you confidence in negotiations.

Cashflow modelling is a way of projecting your finances into the future. It takes what you own, what you owe, your income and what you spend, and shows you how those figures might change over time. We use it to test different settlement options such as comparing the impact of keeping the house versus taking a larger share of a pension.

Cashflow modelling is one of the most useful tools for seeing how choices made today could affect your lifestyle later on. It can highlight future shortfalls, show whether a clean break is affordable, and give you peace of mind that your financial plan will stand up over time. Many clients say it’s the first moment they feel they can “see” their future again, and that clarity often helps settle negotiations more smoothly.

We typically work with one party to avoid conflicts of interest. In mediated or collaborative divorces, we can act as a neutral financial planner, providing objective projections for both parties. This can lead to more amicable settlements by showing both parties how each proposed settlement affects their futures.

We follow a clear, structured process to give you financial clarity at each stage
of your divorce.

Our initial consultation is free. This allows us to understand your situation and explain how we can help. We then offer transparent fixed fee planning ranging from £1000 to £1500 depending on the complexity of your situation (no VAT added). Ongoing financial planning or investment advice can be provided after the settlement if desired, at an additional cost.

Definitely. Once everything’s settled, we can help you set up new pensions, manage any lump sums, and plan for the future. We help you put your settlement into action and work for effectively for you, whether that means setting up new pension plans, investing lump sums, budgeting for life on a single income, or planning for retirement.

We’ll create a long-term financial plan that reflects your new goals, giving you clarity and reassurance as you move forward. For many people, this ongoing support is where they truly start to regain control and feel optimistic about their future.