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What are we each entitled to in our divorce settlement?

What does the law say about how to split the house, how to share pensions and other assets, and how much maintenance is payable.

What steps can we take to reach a fair agreement?

The four basic steps to reaching an agreement on divorce finances are: disclosure, getting advice, negotiating and implementing a Consent Order.

What is a Consent Order and why do we need one?

A Consent Order is a legally binding document that finalises a divorcing couple's agreement on property, pensions and other assets.


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where can I get advice about pension transfers

  • The Divorce IFA
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12 Oct 12 #360589 by The Divorce IFA
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Hi,

You could try here:

www.resolution.org.uk/memberSearch.asp?page_id=45

If you tick the bottom box and remove all the others then do the search.

Regards

Phil

  • maggie
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12 Oct 12 #360599 by maggie
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Can''t say that what I did will suit everyone and you have to use an IFA if you''re choosing to transfer out of a salary related defined benefit pension rather than having to.
I felt pressured to make a decision/name a destination so the pension scheme could get on with implementing the pension share - so I put my new pension in an ultra cautious stakeholder pension with minimal charges - that meant it was safely under my control with no exit charges - the pressure was off and I could take my time over choosing its final destination.

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12 Oct 12 #360647 by The Divorce IFA
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I admire the fact that Maggie you were able to negotiate the pitfalls in the way you did.

In some instances the trustees or insurance company involved will insist that financial advice is taken before sanctioning the transfer (and this is not just for final salary external transfers - I have been involved in several ones involving stakeholders, personal pensions, etc.

I am obviously an advocate of taking advice (I have a vested interest) but I am also confident that the clients I work with get the right value for the fees I charge.

Phil

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