Pension on divorce experts
Specialist expertise to help you make informed decisions about pensions during divorce.
Why use a Pension on Divorce Expert?
Pensions can be among the most valuable and complex assets in a divorce. Different pension types provide very different benefits, and the figure on a pension statement may not reflect what a pension is really worth.
A Pension on Divorce Expert provides independent, specialist analysis to determine exactly what your pensions are worth and then works out how different ways of sharing your pensions will affect your long-term financial security and retirement.
With 73 years collective experience, our team can analyse complex arrangements, explain your pension sharing and offsetting options, and produce a clear report for you, your solicitor, mediator or the court to use to help inform a fair settlement.
How our Pension on Divorce Experts can help
Accurately value your pensions
Defined Benefit and Defined Contribution pension analysis
Pension sharing calculations
Pension offsetting analysis
Modelling future retirement outcomes based on sharing options
Full court ready PODE reports
Lite reports for simpler cases
Clear explanations for clients, solicitors and mediators
Pensions are frequently misunderstood in divorce
Most people understand the value of a house. If it's worth £500,000, it's worth £500,000. Pensions don't work like that.
Some pensions are simply investment pots (defined contribution pensions). Others provide a guaranteed income for life (defined benefit pensions).
Some can be accessed flexibly. Others cannot. Two pensions with exactly the same headline value can produce very different retirement outcomes.
Understanding what a pension is really worth, and how it should be considered as part of your divorce settlement, can make a significant difference to your long-term financial future.
How can pensions be dealt with in divorce?
Once pensions have been properly understood and valued, there are different ways they can be dealt with as part of a divorce settlement.
Pension Sharing
The most common approach. A Pension Sharing Order is made which legally transfers a percentage of one person's pension into a pension in the other person's name, giving both parties independent retirement provision.
Read more about Pension Sharing Orders here
Pension Offsetting
Rather than sharing the pension itself, one party keeps more of another asset (often property) in exchange for giving up some or all of their claim to the pension.
Read more about Pension Offsetting here
Our Pension on Divorce experts can explain the advantages and disadvantages of each option, helping you understand which approach is most appropriate for your circumstances before any agreement is reached.
What are my pensions worth?
Most people assume the value of their pension is the Cash Equivalent Value (CEV) shown on their annual statement. Why wouldn't they?
Unfortunately, it’s not that simple.
Unlike a house or a bank account, the value of a pension isn't just about how much money it’s worth today. It's also about what that pension can provide in the future.
In some cases, we've seen the difference between a CEV and the value determined through expert analysis exceed £400,000.
Understanding the true value of pensions often requires specialist analysis.
That's why pension on divorce experts don't rely on the CEV alone. Understanding the true value of a pension is often key to achieving a fair financial settlement.
73 years
collective experience
1 goal
to simplify complexity
5 specialists
with technical expertise
10 days
from data receipt to report
When should I consider a Pension on Divorce Expert?
You should consider speaking to a Pension on Divorce Expert if:
One or both of you have a Defined Benefit (final salary) pension.
There are multiple pensions across different providers.
Pension values differ significantly between you.
You're considering offsetting pensions against property or other assets.
A solicitor, mediator or court has recommended specialist analysis.
You're unsure what would represent a fair division of your pensions.
A Pension on Divorce Expert (PODE) provides an independent assessment of your pensions, helping you understand their true value and the impact of different settlement options so you can make informed decisions during your divorce.
Not sure if you need expert input?
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The financial side of my divorce has been by far the most stressful. The clarity and precision of your report really felt like a lightbulb moment which started to make things feel better.
— Full PODE Client - March 2026
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I wasn't even sure that we needed a PODE report. What a mistake not getting one would have been! I would have been £238k worse off in retirement than I will be now.
— Full PODE Client Feb 2026
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A neutral pension expert getting to grips with the numbers even helped reduce the conflict between us. I'm no legal expert so I really appreciated how accessible the final report was.
— PODE Lite Client March 2026
More about pensions on divorce
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What is a pension sharing order & how do I get one?
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Working with a PODE? A step-by step guide.
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What if I don't get a PODE report?
Frequently Asked Questions
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Not all, but we are. We only work as what are called Single Joint Experts or SJE’s. This means, regardless of who instigated contact with us, we work impartially for both parties.
We provide neutral, technical analysis designed to support a fair outcome.
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Sometimes a 50/50 split is appropriate.
But equal division does not always mean equal retirement income, particularly where pensions differ in type, retirement age, or structure.
A properly prepared pension sharing report models future income outcomes to ensure fairness.
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No.
Even mid-sized pensions can significantly affect long-term financial security.
The key factor isn’t wealth level, it’s pension type and complexity.
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A PODE report is commonly used within mediation.
It provides a neutral foundation for discussion and supports informed decision-making without escalating matters.
A PODE report is often entirely appropriate even if you have started the mediation process.