What should I look for in a PODE? A practical guide
So you've completed an assessment and it’s confirmed: you need a PODE report. But if you're not sure where to begin, or how to choose the right expert you're not alone.
The reality is that not all PODEs work in the same way. Some are slower. Some charge extra for each calculation. And many are set up to work with lawyers, rather than directly with the individual people going through divorce.
So here's a checklist to help you feel more confident as you consider your options.
1. Do they offer different report types to match different needs?
If you’re not in active court proceedings not everyone needs the full works. Some cases are straightforward and just require a steer. Others require detailed equalisation and scenario testing because of the underlying complexity.
Ask:
“Do you offer a range of report options depending on complexity?”
The best PODEs will offer flexible report levels to suit your situation, timeline, and budget and will help you choose the right one.
2. Are fees fixed, or do they go up if I need extra calculations?
Some providers quote a low base fee and then add costs for every calculation or scenario. That’s hard to budget for, so demand precision.
Ask:
“Is your fee fixed, and does it include everything I’ll need?”
A clear, all-in price (with VAT) gives you peace of mind and avoids unpleasant surprises later. Get a specific fee estimate based on your case if they do charge per calculation.
3. Are they PAG compliant?
PODEs who follow the guidance of the Pensions Advisory Group (PAG) are working to the highest standards of impartiality, fairness, and technical robustness.
Ask:
“Do you follow the PAG guidance in your reporting?”
PAG-compliant providers understand both the law and the nuances of pension valuation. It’s the gold standard but unfortunately not all PODEs follow it.
4. Do they have a system for chasing providers?
Getting a report done quickly isn’t just about how fast the expert can type. It’s about how soon they get the right data and how hard they push for it from pension providers, who are notoriously tardy.
Ask:
“What are your processes for chasing scheme providers?
Look for someone who has structured systems, clear reminders, and escalation paths to keep things moving.
5. As a non expert will I understand the report?
A report isn’t helpful if no one understands it. You, your solicitor, your soon-to-be-ex, and the court all need to be able to follow the reasoning and outcomes. PODE reports can be notoriously difficult to decipher. We often have lawyers ask us to help interpret other PODE reports and many people end up having to pay another professional to help interpret the report.
Ask:
“Are your reports written in plain English, with clear explanations of the calculations and options?”
Look for providers who specialise in clarity. This saves you time, stress, and the cost of extra professional interpretation.
6. Can you support me with implementing a pension share?
Some PODEs provide the report and step away. If the report suggests a pension share and this is ultimately accepted by all parties, the person receiving the share will need to implement the pension in their own name.
Ask:
“Do you offer support with implementation?”
Some PODEs have relationships with regulated financial advisers who can work together with the PODE to implement your pension share, saving you time and hassle.
The Bottom Line
Choosing a PODE isn't just about ticking a legal box. It’s about:
Keeping your case moving
Understanding your options
Avoiding unnecessary costs
And making sure the division of pensions is fair
Take your time. Ask the right questions. And remember — the right PODE will make this complex part of your divorce feel a whole lot clearer.