Pensions on divorce UK
In a divorce, pensions are the most valuable asset people forget to value. We make sure yours is properly counted. We're here when you need us.
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Why the pension matters more than people think.
In a divorce, attention goes to what you can see. The house. The savings. Who keeps what.
The pension is harder to picture, so it gets traded away or overlooked. That can cost one partner hundreds of thousands, usually the one who didn't manage them.
A pension can be worth as much as the family home. It needs valuing properly.
Three ways a pension can be divided.
There's no single right answer. There's a right answer for your situation.
Pensions can be dealt with in three main ways in a divorce. Each has advantages depending on your circumstances, your age, and what you want your future to look like. We'll help you understand which fits.
Pension sharing
A pension sharing order splits a pension into two, giving each person their own pot. A clean break, with each of you in control of your own future. One of the most common approaches.
Pension offsetting
One person keeps the pension, the other takes a larger share of other assets, like the house. Simple and immediate, but only fair if the pension is valued correctly first.
Pension attachment
One person receives a share of the other's pension income in future. It keeps a financial link between you and depends on when benefits are taken. Less common today.
A fair split starts with an honest number.
Before any decision, you need to know what the pensions are worth. That starts with a Cash Equivalent Transfer Value: the figure the scheme puts on it.
That figure isn't always the full story. Defined benefit pensions can be worth more than it suggests.
Get this wrong and the settlement can't easily be undone. We work with your solicitor so the valuation reflects reality.
We work alongside your solicitor, not instead of them.
Your solicitor handles the legal side. We handle the financial side: the valuation, the options, what each one means for the rest of your life.
Ten years of this in Sussex, Surrey and Kent. It's rarely just about the numbers. It's about being able to move forward with confidence.
Whatever stage you're at, we'll meet you there.
FAQs
The questions people ask about pensions and divorce.
From First Call to Clear Plan
Three steps. That's all there is.
Talk to us
One call. No obligation. Tell us about your estate and what you want to happen to it. We'll tell you honestly what the options are.
See the plan
A clear inheritance plan built around your wishes. Every strategy explained. Every trade-off named. You'll know exactly what you're agreeing to and why.
Get on with living
We work alongside your solicitor and stay across it, so you can move forward with confidence.
When you're ready, we're here.
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