Divorce Financial Advisers in Cheltenham
I’m getting divorced and need financial advice…
Divorce can be overwhelming – both emotionally and financially. Our specialist divorce financial advisers in Cheltenham will work with you before, during, and after divorce to help you untangle your shared finances and build a clear plan for the future.
Financial Planning for Divorce
I’m getting divorced and need financial advice…
Divorce can be overwhelming – both emotionally and financially. Our specialist divorce financial advisers in Cheltenham will work with you before, during, and after divorce to help you untangle your shared finances and build a clear plan for the future.
How the process works
Whether you’re separating amicably or facing complex legal proceedings, financial planning for divorce can help you make informed choices about your future stability and overall financial wellbeing.
Pre-divorce financial advice
It’s never too early to seek help from a divorce financial adviser. In fact, the earlier we get involved, the more options we can put on the table. We begin by:
- Understanding your current financial position
- Identifying your post-divorce needs and priorities
- Organising key financial documents and evidence
- Flagging potential risks or gaps
- Preparing for solicitor meetings or mediation
Financial planning during divorce
At Piercefield Oliver, we’re acutely aware of the impact that divorce settlements can have on your lifestyle. That’s why we focus on providing ongoing guidance and support throughout the entirety of your divorce and beyond.
Once we have a full picture of your current finances, we will:
- Model various settlement options and highlight their future impact on your lifestyle
- Explore options such as pension sharing, clean breaks, and spousal maintenance
- Consider the financial implications of keeping or selling your shared assets
- Build a detailed financial plan for what your life will look like beyond settlement
If you’re working with a solicitor or mediator, we’ll work closely with them to ensure that your financial interests are fully supported throughout the process.
Post-divorce financial stability
Once the legal process is over, we will help you rebuild your finances. This could include:
- Resetting your budget based on your new income and expenses
- Rebuilding your savings or retirement plans
- Reviewing any insurance or estate documents
- Starting afresh with your investments
With the help of our expert divorce financial advisers, you’ll be ready to tackle the next phase of your life with confidence.
Discover more about what financial planning for divorce involves.
“I was at a point of feeling very bewildered and at my wit’s end. I found your predictions not only useful to myself but to my husband as we were able to physically see the cash flow charts making it far easier than any Form E to be able to come to a settlement. I would advise anyone going through the minefield of a divorce to put more time and money into a financial planner like yourself. Through you I was able to agree a fixed fee for drawing up the legal side of things with my solicitor. Once again a big thank you to the team at Piercefield Oliver.”
Nicola Lomas
Tailored divorce financial planning in Cheltenham
“I was at a point of feeling very bewildered and at my wit’s end. I found your predictions not only useful to myself but to my husband as we were able to physically see the cash flow charts making it far easier than any Form E to be able to come to a settlement. I would advise anyone going through the minefield of a divorce to put more time and money into a financial planner like yourself. Through you I was able to agree a fixed fee for drawing up the legal side of things with my solicitor. Once again a big thank you to the team at Piercefield Oliver.”
Nicola Lomas
Tailored divorce financial planning in Cheltenham
Related Podcasts
Did you know...
80,000
divorces were granted in England and Wales in 2022
~ ONS
£14,561
is the average legal cost of divorce in the UK
~ MoneyHelper
23%
of people end up with nothing or only debt following divorce
~ Fair Shares Project
Did you know...
80,000
divorces were granted in England and Wales in 2022
~ ONS
£14,561
is the average legal cost of divorce in the UK
~ MoneyHelper
23%
of people end up with nothing or only debt following divorce
~ Fair Shares Project
Understanding tax and asset division in divorce
When getting divorced, it’s important to consider how your joint assets will be divided, as this could have serious tax implications. We will stand beside you every step of the way to ensure that your settlement is not only fair but also financially sustainable.
We can help by:
- Clarifying which of your assets will be subject to Capital Gains Tax (CGT) and when any tax liabilities may arise
- Explaining how the transfer of property or investments between you and your spouse is treated for tax purposes
- Identifying which assets are best to retain or let go of based on tax efficiency and long-term value
- Reviewing your business interests or investment portfolios to understand their potential CGT or income tax consequences
- Exploring tax-efficient strategies for dividing your pensions, such as Lifetime Allowance
- Ensuring you understand which records to keep and what timelines to be aware of when reporting tax events
Why choose Piercefield Oliver?
At Piercefield Oliver, we’re proud to have supported countless individuals across Cheltenham and the Cotswolds through the complexities of divorce. Our FCA-regulated financial advisers are dedicated to helping you take control of your financial future, regardless of whether you’ve been financially independent or dependent throughout your marriage.
We can help you explore various financial strategies and determine whether they are a good fit for your circumstances. Examples could include:
- Pension sharing or offsetting options
- Deciding whether to keep or sell your family home
- Smart investment strategies for a fresh financial start
- Reviewing or setting up new protection policies (e.g. life or income protection)
Our goal isn’t just to help you divide your assets. It’s to equip you with the tools and confidence you need to move forward.
Book your free consultation with a local divorce expert.
Click the button below to book your free consultation with one of our divorce financial advisers in Cheltenham.
Prefer to get in touch directly?
Fill in the form below and let us know a little bit about your current situation. We’ll get back to you ASAP to talk through your options.
Book your free consultation with a local divorce expert
Click the button below to book your free consultation with one of our divorce financial advisers in Cheltenham.
Frequently Asked Questions
While a solicitor focuses on the legal process of getting divorced, a divorce financial adviser’s job is to:
- Help you understand the long-term impact of your divorce settlement
- Advocate for your financial wellbeing during legal negotiations
- Work alongside legal professionals to ensure that your future finances are considered
- Provide impartial advice and guidance that is free from jargon or judgement
You should ideally seek financial advice before the legal process begins. That being said, our expert financial advisers are here to support you at any point of the process – whether you’re separating now or still weighing up your options.
Your first 30-minute consultation with us is free. Following your initial conversion, we’ll send you a transparent quote that is tailored to your individual circumstances. There’s no need to worry about any hidden charges, as all our fees are fixed.
Yes. We will take the time to talk you through various options such as pension sharing, property equity, and tax implications so that you gain a clear picture of what your financial life might look like after separation.
No, divorce financial advice is not legally binding. However, it can form the foundation of your legal settlement. We will work closely with your other legal professionals, such as solicitors and mediators, to ensure that your financial plan is realistic and well-informed.