Resources
Plain-English guides, written for people going through it rather than for lawyers. Start with the basics, find your scheme, or jump to what a report costs.
Start here if the pension side is new to you.
The whole journey, from valuation to what actually lands in your account.
Keep the pension, balance it with other assets. The exchange-rate trap.
The third route, once called earmarking, and why it is now rare.
Fifty plain-English definitions, from CE to pension sharing order.
What the research shows about pensions on divorce, and what it means for you.
Pensions are often the second largest asset in a marriage, after the family home. Yet the best available research shows they are hardly ever divided.
A pension sharing order cuts the pension in two once and for all and gives each person their own pension in their own name.
So an out of date nomination can still name an ex spouse, and the trustees may pay them.
Two well qualified pension experts can look at the same two pensions and produce different numbers, and both can be entirely correct.
A pension built up during a marriage is generally treated as a matrimonial asset available for sharing, regardless of whose name is on the paperwork and regardless of whose salary the contributions came out of.
A pension sharing order is expressed as a percentage of a specific pension, and that percentage is the output of a calculation, not a default of 50%.
Of all the decisions made in a divorce, the one about pensions is the one you live with longest.
The big public-sector schemes, and what a transfer value does not tell you about each.
How this scheme is valued and shared, and what to watch.
TPSHow this scheme is valued and shared, and what to watch.
AFPSHow this scheme is valued and shared, and what to watch.
LGPSHow this scheme is valued and shared, and what to watch.
P&FHow this scheme is valued and shared, and what to watch.
CSHow this scheme is valued and shared, and what to watch.
How to get the numbers, what a report costs, and who pays for it.
Told to 'get your CE'? Here is exactly how, and what to do with it.
It is a good way to find a pension you had forgotten about, and it is not a way to value one for a divorce.
Usually a fraction of what is at stake, and what drives the price.
Some divorces need a pensions expert, some do not. How to tell.
How the cost is usually shared, and the options.
Weighing up the options, and instructing an expert properly.
Turning a report into a settlement, and a settlement into money.
How to read your report and turn it into a settlement.
Implementing the order, and the advice you will need.
The implementation timeline, and the three dates people confuse.
Why a scheme may pay a pension in full and then ask for some of it back.
Guides for solicitors, mediators and litigants in person.
Short, factual accounts of how pensions were actually valued and divided.
The free check takes about two minutes and tells you where you stand.