Pensions advice on divorce

A qualified and experienced Chartered Financial Planner performs a very important role in the divorce process as he or she will help you or your solicitor avoid potentially costly mistakes when negotiating a financial settlement that could have repercussions for many years into the future.

Often the most difficult assets to deal with are pension benefits as these are usually misunderstood and the real value not appreciated by clients or their solicitors alike.

Dominic Spalding is a pension specialist for implementation of pension sharing orders. He is a Resolution accredited IFA for pensions on divorce and a Chartered Financial Planner. Among other professional qualifications he holds the advanced financial planning certificate ‘G60’ pension qualification and its updated replacement the advanced diploma in financial planning ‘AF3’ pension qualification. He is a designated pension transfer specialist and widely experienced IFA for pensions on divorce.

Dominic is able to act as a financial neutral for collaborative divorce and can provide pension expert witness reports.

Expert Financial Solutions in Witney, Oxford, Oxfordshire are Chartered Financial Planners and independent financial advisers, we offer advice a range of services to divorcing clients from advice on and implementation of pension sharing orders, and pension expert witness reports through to a complete financial planning service for divorce which will ensure that all assets are included in the financial settlement and at the correct valuation and advising on different ways of dividing the ‘pot’.

Expert Financial Solutions Ltd are Chartered Financial Planners and independent financial advisers specialising in pensions on divorce and advice and implementation of pension sharing orders; we also offer financial advice on divorce in the following areas: -

Assistance with Form E disclosure including obtaining current information relating to pension plans, arrangements, investments etc and providing current valuation so that 100% of the asset value is included accurately, quickly and cost effectively.
Assessment of Form E, Form P and supporting documents to identify errors and inconsistencies. This will seek to identify missing pension benefits, inaccurate or out of date Cash Equivalent and investment valuations, additional state pension benefits, investment income etc.
Equality of outcome calculations for money purchase defined contribution pension plans, personal and stakeholder pension plans as well as Self Invested Pension Plans (SIPPs).
Expert witness reports for pension benefits.
Acting as a financial neutral in collaborative divorce.
Identifying and explaining the options available for dealing with pension benefits.
Advising on the most suitable way of dealing with pension benefits considering offsetting, pension attachment (earmarking) orders, and pension sharing orders including internal options of shadow membership or external transfer.
Advice and guidance to help you reach a suitable financial settlement, advice on the most suitable way of splitting assets and investments, and help to understand the effect of proposed settlements.
Implementation of pension sharing orders.

Expert Financial Solutions Ltd are Chartered Financial Planners and independent financial advisers, we also offers a range of other services for divorce including arranging alternative actuarial calculations for defined benefit final salary pension benefits, equality of outcome calculations for defined benefit final salary pension benefits, SERPS / S2P valuations, replacement mortgage finance and life insurance, sale of endowment policies and advice on re-building lost pension assets.

Further details are available on request.

You can send our pensions on divorce specialist Dominic Spalding an email here.

Also, see the website of the Oxfordshire, Berkshire & Buckinghamshire Collaborative Law Group.

September 2009

Expert Financial Solutions Ltd chartered financial planners and independent financial advisers IFA financial planners based in Witney, Oxford, Oxfordshire. We provide independent financial advice, pension advice, investment advice, retirement advice, annuity advice, SIPP advice pension drawdown advice, pension transfer advice, wealth management and pensions on divorce advice in Oxford, Oxfordshire, Gloucestershire, Buckinghamshire, Wiltshire and Berkshire, Abingdon, Banbury, Bampton, Bicester, Burford, Chipping Norton, Cheltenham, Cirencester, the Cotswolds, Henley on Thames, Kidlington, Lechlade, Oxford, Wantage, Witney and Woodstock. Pension specialists, retirement planning specialists, pension transfer specialists, pension annuities, specialist pension advisers, investment advisers, and inheritance tax IHT mitigation and trust investment. Chartered Financial Planner. Oxfordshire's only Resolution qualified and Resolution accredited IFA for pensions on divorce and financial neutral for collaborative divorce.