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Pension not discussed as part of divorce.

Pension not discussed as part of divorce.

I'm a dog lover and make regular donations to Dogs Trust, which is a charity rehoming abandoned dogs. Their catchphrase is “A dog is for life, not just for Christmas”. I thought a rather tongue in cheek similar phrase for my clients would be “A husband is for...

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How much do you need to save for retirement?

How much do you need to save for retirement?

The Scottish Widows Women and Retirement Report 2014 noted that among divorced women 84% said pensions weren't discussed or they couldn't remember them being discussed as part of any settlement. This is a similar figure to previous years. This is very worrying. Not...

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Pension sharing: two bites of the cherry

Pension sharing: two bites of the cherry

In their recent “women and retirement report 2014” Scottish Widows asked thousands of women about their plans for retirement. There was certainly good news, in that the number of women saving into a pension had increase by 10%. However, the report also highlighted...

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What’s a financial clean break order?

What’s a financial clean break order?

A pension sharing order (PSO) cannot be varied at a future date.  In addition, if you are awarded a PSO from your partner’s pension you cannot apply for a second PSO for the same marriage on the same pension. It’s therefore important to ensure you take good legal and...

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What makes your client experience unique?

What makes your client experience unique?

Generally when discussing the divorce settlement all assets of the marriage are pooled and treated as joint assets. A situation may arise where one partner has received an inheritance which they have used for family purposes (eg to provide a deposit for the house...

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How will a financial adviser charge?

How will a financial adviser charge?

When you’re choosing a financial adviser it can be very difficult to differentiate between the services offered by the different advisers you meet. Particularly if this is an area you have little or no experience of, and where you may be lacking confidence. A really...

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Ten inspirational quotes about divorce

Ten inspirational quotes about divorce

Divorce is stressful for parents and children alike and although reactions will depend on a child’s age, temperament, and the circumstances surrounding the split, many children feel sad, frustrated, angry, and anxious — and it’s not uncommon for them to become naughty...

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How do you choose a financial adviser?

How do you choose a financial adviser?

The aim of the quotes below is to provide some inspiration at the low times of  divorce.  They are a mixture of funny, sad, and uplifting. Do let me know what your favourite quotes are, in the comments section below “Sometimes good things fall apart so better things...

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When can I access my pension?

When can I access my pension?

The Scottish Widows Women and Retirement Report 2014 noted that among divorced women 84% said pensions weren't discussed or they couldn't remember them being discussed as part of any settlement. This is a similar figure to previous years. This is very worrying. Not...

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How much is state pension?

How much is state pension?

One of the mistakes I often see during divorce is clients wanting to settle the financial situation without consulting a solicitor. They believe (incorrectly) that a solicitor will automatically want a long drawn out court case and that solicitor fees will rocket....

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Would you be happy to throw away your money?

Would you be happy to throw away your money?

The Scottish Widows Women and Retirement Report 2014 noted that among divorced women 84% said pensions weren't discussed or they couldn't remember them being discussed as part of any settlement. This is a similar figure to previous years. This is very worrying. Not...

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The Financial Settlement: What’s involved?

The Financial Settlement: What’s involved?

If you and your spouse have decided to split the joint assets it’s very easy to think that how you achieve that split will not affect the outcome. Will it make a difference if you remain in the house and don't take any other assets compared to if you downsize now and...

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The Divorce Process

The Divorce Process

The Financial Settlement The financial settlement is a separate process to the dissolution of the marriage. Although they are often done at the same time there is no legal mechanism to compel people sort out their financial matters with the divorce.   One party can...

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What lifestyle will you lead after your divorce?

What lifestyle will you lead after your divorce?

The Financial Settlement The financial settlement is a separate process to the dissolution of the marriage. Although they are often done at the same time there is no legal mechanism to compel people sort out their financial matters with the divorce.   One party can...

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The Divorce Process

Alternatives to court for your divorce

Following divorce it’s very likely you will want to maintain the same lifestyle as you enjoyed during your marriage. If there are sufficient funds to go round that’s likely to be the outcome. However, consider what will happen if there isn’t enough money. The same...

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Should you use a solicitor for your divorce?

Should you use a solicitor for your divorce?

As mentioned in "Should I use a solicitor for my divorce?"  instructing a solicitor does not automatically mean you will end up in court with protracted, drawn out divorce proceedings. There are a number of other alternatives, and which one of these is best for you...

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7 mistakes women make when getting divorced ...and how to avoid them

I was lost in a minefield of options, and rather ignorant of how the financial world works. Mary was invaluable with advice on what to do, explaining things, so that I understood fully what would happen to my money and investments. Mary was understanding and did not make me feel inadequate needing help. I now feel secure and my mind is put at rest with Mary’s expertise

- Ruth Dellow

Mary listened to what I wanted. I did not once feel overwhelmed with financial jargon or pressurised to go in a direction I did not want to. Mary has high integrity and strives to do her best for her clients because she actually cares about them.

- Caroline Crowhurst

Mary’s advice is so down to earth and straight forward that I feel I am at last getting to grips with my finances. She explains everything without technical jargon and I always know I can ask any question without feeling it’s a foolish question. Her service is absolutely amazing.

- Dr Diane Keith

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