Divorce Planning
Divorce is a significant life event, not only emotionally but also financially. Untangling shared assets, revisiting financial goals, and planning for a secure future requires careful consideration and expert guidance
Divorce Planning
Retirement is often described as life's longest holiday. Check out our articles, tips and guides to make sure your retirement pot lasts the distance.
A well-crafted budget is the cornerstone of financial stability. It helps you understand where your money goes, plan for future goals, and avoid unnecessary debt.
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Divorce often results in financial uncertainty. Without a clear plan, you may face challenges such as unequal asset division, insufficient funds for retirement, or tax implications you hadn’t considered. Professional financial planning ensures:
- Fair Asset Division: Identifying and valuing all assets, including pensions, property, savings, and investments.
- Tax Efficiency: Minimising tax liabilities during asset transfers or sales.
- Long-Term Security: Rebuilding your financial strategy for the future, factoring in new circumstances.
Use our free calculator to find out how much you need in your pension
Pensions & Retirement
Retirement is often described as life's longest holiday. Check out our articles, tips and guides to make sure your retirement pot lasts the distance.
Check out our articles, tips and guidesto make sure your retirement pot lasts thedistance.
Button TextPensions are often the second-largest asset after property, but they can be overlooked during settlements. Whether through pension sharing orders, earmarking orders, or offsetting, ensuring a fair division of these assets is critical for your financial future.
Deciding who retains the family home, whether to sell and split the proceeds, or to buy out a partner’s share requires careful financial analysis. Consider future housing needs and affordability post-divorce.
Financial agreements must reflect ongoing commitments, especially for child maintenance or spousal support. It's vital to ensure these arrangements are fair and sustainable.
If either party owns a business, its valuation and treatment can significantly impact the settlement. Expert advice ensures business assets are managed effectively.
Divorce-related transactions, such as transferring property or selling assets, may have Capital Gains Tax (CGT) implications. Understanding these tax liabilities can help you plan better.
Divorce is an opportune time to update your Will and review inheritance tax planning, ensuring your assets are distributed according to your wishes.
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Navigating the financial complexities of divorce can be overwhelming. A financial adviser provides expert guidance to help you make informed decisions and safeguard your future. Here’s how they can assist:
Navigating the financial complexities of divorce can be overwhelming. A financial adviser provides expert guidance to help you make informed decisions and safeguard your future. Here’s how they can assist:
Advisers ensure the fair division of pensions by calculating their true value and explaining options such as sharing, earmarking, or offsetting.
With their knowledge of tax rules, advisers can help minimise liabilities on property transfers, investment sales, or maintenance payments, ensuring your settlement is as tax-efficient as possible.
If your investments need to be divided or reallocated, a financial adviser will guide you in restructuring them to align with your new financial goals.
Advisers help you manage your budget post-divorce, ensuring you can meet short-term needs while building for the future.
If a business is part of the settlement, a financial adviser works to protect its value and ensure an equitable division that considers both parties' financial needs.
Working alongside your solicitor and other professionals, an adviser ensures all financial aspects of your divorce are handled with care and precision.
Once the settlement is finalised, it’s time to focus on rebuilding your financial future. This includes:
- Setting realistic financial goals tailored to your new circumstances.
- Building an emergency fund to handle unexpected expenses.
- Reviewing insurance policies, including life and health cover.
- Optimising your retirement savings to ensure long-term security.
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Personal Finance Tips and Guides
Learn about the decree nisi in UK divorce proceedings: what it is, how to apply, its role in the divorce process, and the steps to take after it is granted.
Explore the potential changes to the pension tax-free lump sum in 2024, including the possible scrapping or capping of the 25% benefit.
A Letter of Authority lets your adviser access key information, streamlining the financial advice process for accurate and comprehensive guidance.
Wondering what a SIPP is? Learn how a Self-Invested Personal Pension (SIPP) works, its tax benefits, and why it could be a smart choice for your UK retirement.
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