Case studies
Short, factual accounts of how pensions were valued and divided, and what the headline figure hid. Each one turns on a single number.
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How the same two pensions, in the same report, produced opposite answers, and why the fair one was neither party's first guess.
Real caseHow a transfer value and an independent valuation can be nearly £290,000 apart on the same pension, and why only a calculation shows which way the gap runs.
IllustrativeWhy swapping a pension for the family home is never the like-for-like trade it appears to be, and why the real question is not the value, but what each of you needs, and when.
Real caseWhy it is the kind of pension, not the size of it, that decides whether you need an expert.
IllustrativeWhy sharing all of a defined benefit pension can destroy value, and how knowing its true worth first avoids it.
Each study says on its own page whether it is a real case, anonymised so that nobody involved can be identified, or an illustrative example built from round numbers to show how the arithmetic works.
The free check takes about two minutes and tells you where you stand.