Got FDA in about 2 weeks and self rep.
Minimal matrimonila assets outside of pension (mine) CETV £245k. pensions built up over 28 yrs and first 10 yrs before i met wife.She has no pensions.Marriage 18 yrs.
She asked for actuary report , i earn c£75k she earns £5k working part time kids 18 and 16.
To avoid delay and costs of actuaries i have sent without prejudice offer to do 50/50 share of all pension with her.
I don''t think so. Given a long marriage and the enormous difference between your incomes and presumable earning potential, you are likely to have to do this anyway. As you say, you may as well save time and the valuation fee.