You don't have to figure out the finances alone.
Independent financial guidance for people navigating divorce — so you can make clear, confident decisions about your future. FCA regulated. Confidential. No obligation.
Divorce is one of life's most difficult experiences.
Beyond the emotional weight, there's the complexity of untangling your finances — the pensions you've built together, the home you share, investments, savings, and questions around ongoing income. The decisions you make now will shape your financial security for decades to come.
That's where I come in. As an FCA-regulated independent financial adviser, I help you understand your financial position clearly and objectively — without pressure, without jargon, and with no ties to any product provider. I search the whole market to find what's right for you, with one focus: making sure the financial picture is as clear as possible before any decisions are made.
Whether you're just beginning the process or finalising a settlement, I'm here to help you protect what matters: your financial security and your peace of mind.
The financial decisions made during divorce last a lifetime.
Most people focus on the immediate — the house, the savings. It's the longer-term picture that's often overlooked.
Pensions are usually the most valuable asset
Many people focus on the family home and overlook pensions — which are frequently worth more. Without proper financial guidance, you can lose tens of thousands in retirement security. I help you understand what each approach actually means for your retirement income — so the financial picture is clear before anything is finalised.
Early decisions affect decades
A settlement that seems fair today might leave you struggling in retirement. I help you understand the long-term consequences of different options — so you're negotiating with full knowledge of what you're agreeing to.
Genuinely independent — no ties, no agenda
As a whole-of-market independent financial adviser, I'm not tied to any provider and I have no incentive to steer you in any particular direction. The advice I give is based solely on what I believe is right for your situation.
Specialist guidance across all areas of divorce finance
Each situation is different. I work with you to understand your specific circumstances and give advice that's genuinely tailored to your position.
Pension sharing orders
Pensions are often the single most valuable asset in a marriage — yet they're frequently undervalued or ignored in divorce settlements. The rules around pension sharing are complex, and the consequences of getting this wrong can follow you into retirement.
I help you understand how different approaches to pension sharing are valued and model what each means for your retirement income. For advice on your legal entitlements, you'll need a solicitor — I work alongside them on the financial side.
- Understanding pension sharing and offsetting options
- Analysing which split works most favourably over the long term — including tax treatment and retirement income projections
- Projecting your retirement income under different scenarios
- Reviewing death benefit nominations after divorce
Investments & savings
Investment portfolios, ISAs and savings accounts all need to be accounted for in any settlement. A split that looks equal on paper may not be equal in practice — different assets carry different tax treatment, growth potential and accessibility.
I help you understand what you actually have, the real value of dividing it in different ways, and how to structure your finances once the settlement is agreed.
- Understanding the true value of different asset splits
- Capital gains tax implications of transferring investments
- Reviewing your investment strategy post-settlement
Cashflow modelling your future
Divorce changes your financial picture significantly. Cashflow modelling creates a clear, year-by-year projection of what your finances look like going forward — how long your money lasts, when you can retire, and what different decisions mean for your long-term security.
Rather than guessing whether a settlement is workable, I can model it. You see the numbers, ask the what-ifs, and make decisions with a clear picture in front of you.
- Projecting your financial position year by year after settlement
- Modelling different settlement scenarios side by side
- Retirement planning on a single income
- Understanding when — and whether — you can afford to stop working
Working out the fairest split
Dividing assets in divorce is rarely straightforward. A pension pound is not the same as a property pound — different assets have different tax treatment, growth potential and liquidity. Without financial modelling, it's easy to agree a split that looks balanced but isn't.
I work with individuals and alongside solicitors to model different division scenarios and identify the approach that's genuinely fair over the long term. If you're a family law solicitor with a client who needs financial modelling to support settlement negotiations, I'm happy to discuss how I can help.
- Comparing the real long-term value of different asset splits
- Modelling pension offsetting against property or other assets
- Identifying assets or tax implications that may have been overlooked
- Supporting solicitors with financial analysis during negotiations
Life after a pension sharing order
If you've just received a pension credit as part of your settlement, you now have a pension — and you need to decide what to do with it. Where does it go? How is it invested? What does it mean for your retirement plans?
This is where I come in. Once the legal settlement is in place, I help you take the next step — setting up your pension properly, building it into a financial plan, and making sure it's working as hard as it should for your retirement.
- Setting up and placing your pension credit into a suitable pension
- Choosing the right pension provider and investment approach for your situation
- Building a retirement plan around your new financial position
- Ongoing management and annual review
Post-divorce financial planning
Once the settlement is agreed, the real work of rebuilding your financial future begins. Your income, outgoings, savings and protection needs may all look very different to how they looked before. A clear, realistic financial plan gives you a foundation to move forward with confidence.
I help you build a post-divorce financial strategy that reflects your new circumstances — restructuring your pension contributions, reviewing your protection, making the most of your ISA and allowances, and setting a clear direction for the years ahead.
- Building a clear financial plan for life after divorce
- Reviewing and restructuring pension contributions
- Reassessing protection needs (life cover, income protection)
- Reviewing your investment strategy and risk profile
- Restructuring pension nominations and beneficiaries
For wills and lasting powers of attorney, you'll need a solicitor — I can point you in the right direction if needed.
What to expect from a call with me
A free, confidential conversation — no pressure, no commitment, no jargon.
I listen
No judgement, no rush. I take time to understand your situation, your concerns, and what matters most to you right now.
I explain
I break down the financial aspects of your situation in plain English — no jargon, no assumptions about what you already know.
I help you understand
You leave with a clear picture of your financial position, your options, and what's important to protect. No confusion, no overwhelm.
No pressure
I'm here to inform and support, not to push. You're in control of your decisions at every stage. There is no obligation on the first call.
Things people often ask
A pension sharing order splits the pension value at the point of divorce — you each receive your own independent pension going forward. An alternative is offsetting, where the pension is traded against another asset such as property. Because a pension pound and a property pound are worth very different things over time, this needs careful financial modelling. I help you understand what different approaches actually mean for your retirement income. Your solicitor handles the legal side — I work alongside them on the financial planning.
As early as possible. Getting advice before negotiations begin means you understand your financial position clearly — what you're negotiating for and what's fair. If you're already in discussions, it's not too late. I can review proposed settlements and help you identify issues before you commit. Even if you're already divorced, I can still help you plan your financial future and make sure nothing was missed.
They serve different purposes. A solicitor handles the legal side of your divorce — the paperwork, the court process and the legal agreement. A financial adviser helps you understand the financial implications of different settlements, ensuring you're making genuinely informed decisions. Many people benefit from both: a solicitor ensures the agreement is properly structured, while financial advice ensures the structure itself is fair and protects your long-term future. I'm happy to work alongside your solicitor directly.
The initial call is completely free and confidential — no obligation. If you decide to go ahead, fees are always agreed transparently before any work begins. There are no hidden charges. The cost of getting proper independent advice is typically far less than the cost of an uninformed decision — a mistake in a pension settlement alone, for example, could cost you tens of thousands over your retirement.
Yes. The financial principles are similar whatever the legal process. Whether you're divorcing, separating informally, or dissolving a civil partnership, you'll face the same questions around dividing assets, understanding pension rights, planning for maintenance, and building a financial future as an individual. I can help with all of these situations.
Yes. I work with clients across the UK. Most meetings take place by video call, which works well for clients anywhere in the country. If you're local to Southport or Merseyside, I'm also happy to meet in person.
Ready to take the first step?
A free, confidential call — no obligation, no pressure. Just honest, independent financial guidance at a time when it really matters.