After the report
Agreeing the split is only half the job. Here is what implementing it involves, and the advice you are likely to need.
Home › Resources › Putting a pension sharing order into effect
General information, not advice on your own case.
Still earlier in the process? Try the free “Do I need a PODE?” check.
Once a pension sharing order is made, it has to be implemented by the pension scheme, and the money does not move straight away. There is a whole sequence to it, with a four-month window, a cut-off date for what gets shared, and a point at which the scheme recalculates the amount. If you want to see how that works, the guide How a pension sharing order is put into effect walks through it step by step.
The part that needs regulated advice. Implementation is where a pension share stops being a legal question and becomes a financial one. Depending on your case, you may need to decide where the receiving spouse’s pension credit should go (kept inside the scheme, or transferred out where that is allowed), how it should be invested, how it fits with any other pensions and the State Pension, the tax position, and whether any life cover or protection should change. These are decisions about your money and your retirement, and they are regulated financial advice.
This site cannot give you that advice. PODE.expert is a directory and a set of tools, not a regulated financial adviser, and the experts listed here are pensions-on-divorce specialists who value and divide pensions, not implementation advisers. For the implementation stage you will need a regulated financial adviser.
Where to get it.
How this works, in plain terms. The Divorce IFA is the regulated financial advice practice run by the same team behind PODE.expert. Because regulated advice can only be given by an authorised firm, it is provided by them, not by this site. If you choose to be introduced to them, we may receive a referral fee. You are free to use any regulated financial adviser you wish, and nothing here is a personal recommendation, this is information to help you find the right kind of help.
If you would like to be put in touch, you can reach The Divorce IFA at thedivorceifa.co.uk. Otherwise, any independent financial adviser who handles pensions on divorce can help you with the implementation stage.
Want to understand the mechanics first? Read How a pension sharing order is put into effect. Still earlier in the process? Try the “Do I need a PODE?” tool or find an expert in the directory.
Regulated financial advice is provided by The Divorce IFA, not by PODE.expert or On Divorce.
July 2026
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