Divorce & Separation

Your solicitor or mediator advises on the legal process and settlement. Our role is different: we help you understand how the financial options being discussed could affect your income, housing, pensions and longer-term financial position.

We can work alongside your solicitor, mediator and any pension specialist so the legal and financial sides of the settlement are considered together.

Can I afford to keep the family home?

We can model the ongoing cost of the property, mortgage and household expenditure and compare this with alternative housing options.

Your home may be repossessed if you do not keep up repayments on your mortgage.

What will my retirement look like after divorce?

We can bring together pension information, including any proposed pension share, with your other assets to illustrate how your retirement position could change.

Will the proposed settlement give me enough for the future?

Cashflow modelling can illustrate how different combinations of property, pensions, cash, investments and income could affect you over the years ahead.

The Financial Conduct Authority does not regulate cashflow modelling

Understand the Full Financial Picture

Bring together property, pensions, savings, investments, income, expenditure and debts so you can see your overall position rather than considering each asset in isolation.

Compare Settlement Scenarios

Model different combinations of assets and income to illustrate the longer-term trade-offs before important financial decisions are made.

Pensions & Divorce

Help you understand pension information and the potential financial implications of pension sharing, offsetting and attachment arrangements. Where specialist calculations or a Pension on Divorce Expert report are required, we can work alongside the appropriate specialist.

The Family Home

Explore whether retaining the family home appears sustainable within your wider financial plan and consider mortgage and alternative housing options where appropriate.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Maintenance & Future Income

Where maintenance forms part of the proposed settlement, we can incorporate it into cashflow modelling and explore the effect of different assumptions on your future finances.

The Financial Conduct Authority does not regulate cashflow modelling.

Investments & Lump Sums

After settlement, provide regulated advice where appropriate on cash, investments, pension credits and other assets received, helping you build a strategy around your new circumstances.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Rebuilding Your Financial Plan

Review retirement planning, investments, protection, mortgages, cash reserves and longer-term goals so your finances are reorganised for the next stage of your life.

Assets with similar headline values do not necessarily provide the same financial outcome. A house, cash and a pension can each provide very different benefits, access and future income.

Cashflow modelling can help illustrate the trade-offs by showing how different settlement scenarios could affect your finances over time.

For example, we can explore:

• Keeping the family home versus moving to a more affordable property

• Receiving a pension share versus receiving more of another asset

• Different levels or durations of maintenance

• How long a cash settlement may last

• How a settlement could affect your retirement income

• Potential pressure points in the years following divorce

Pensions can be one of the largest assets in a divorce and can be difficult to compare directly with cash or property, particularly where defined benefit, final salary or public sector schemes are involved.

We can help you understand the pension information available, explain the financial-planning implications of the options being considered and help you understand specialist pension reports where these have been obtained.

Where detailed pension calculations, valuations, equalisation analysis or expert evidence are required, these would be provided by an appropriately qualified Pension on Divorce Expert or other specialist rather than being independently calculated by Applied Wealth Management Ltd.

A financial settlement changes the shape of your finances. Once the position is known, we can help turn the settlement into a practical long-term financial plan.

• Setting appropriate cash reserves

• Reviewing and investing lump sums where appropriate

• Advice on pension credits or pension sharing arrangements where within our permissions

• Rebuilding your retirement plan

• Reviewing mortgage and housing arrangements

• Reviewing protection and beneficiary nominations

• Reviewing investments and tax-efficient allowances

• Putting an ongoing financial plan and review process in place

Divorce can create uncertainty about what comes next financially. Our role is to make the numbers easier to understand and help you see the longer-term implications of the choices in front of you.

Using financial planning and cashflow modelling, we can help you move from understanding the settlement to building a financial plan for the life that follows.