Pension on divorce experts
Clear pension sharing reports for people with or without legal representation
What type of Pension Sharing report do I need?
Whether you need a PODE report at all, and if you do what type you need depends on:
1) The type of pensions. Defined benefit (DB) or defined contribution (DC)
2) The value of those pensions and complexity of your financial position
3) What other financial assets you have which may mean offsetting analysis is required
4) Whether your divorce is going through court
5) Your long term plans and intentions
Our free assessment considers the above factors and more and will tell you if you need a report (not everyone does) and if you do, which type will suit you best.
Our Expert Pension Sharing Reports
We offer three types of Pension Sharing Report. All suitable whether you’re legally represented or not.
Our ‘Full PODE’ - For more complex cases or those going through court
Our ‘Full PODE + Offsetting’ - For more complex cases + full offsetting analysis
Our ‘PODE Lite’ - Same quality, but for less complex cases not going through court
80% of our clients need a Full Pension Sharing Report and of those, 50% of them choose + offsetting.
73 years
collective experience
1 goal
to simplify complexity
5 specialists
with technical expertise
10 days
from data receipt to report
What do I get from a Full PODE report?
A full court-compliant report following PAG guidelines
Full pension analysis
A clear recommendation for a fair pension share
Offsetting analysis (if selected)
Calculation options to suit your specific circumstances
A technical report explained clearly and written in plain English
Court attendance if required
PODE report costs
Divorce is expensive. That’s why we have fixed costs. No extras. No horrible surprises.
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This is a free assessment which will tell you:
1) Whether you need a Pension Sharing Report
2) If you do, what type best suits your circumstances.
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Our ‘Lite’ Pension Sharing Report for less complex cases.
£475 + VAT per person
Payable by both parties upon instruction
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Our Full Pension Sharing Report for more complex cases.
This costs £1,470 inc VAT per person that’s £2,940 inc VAT.
Payable by both parties in two instalments as follows:
£570 inc VAT per person upon instruction
£900 inc VAT per person upon receipt of all required pension information
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Our Full Pension Sharing Report for more complex cases + full Offsetting analysis
This costs £1,650 inc VAT per person that’s £3,300 inc VAT in total.
Payable by both parties in two installments as follows:
1) £570 inc VAT per person upon instruction.
2) £1,080 inc VAT per person upon receipt of all required pension information.
Most PODE reports are written for lawyers. Ours are written for you.
In more depth
Why do I need a Full PODE report?
A Full PODE report is almost always needed if one of you has a Defined Benefit Pension. DB pensions aren’t simple pots, they’re future income streams whose value depends on complex factors like age and life expectancy. A ‘50/50 split’ or one using just the ‘Cash Equivalent Value’ (CEV) can be deeply unequal in reality.
Why do I need a PODE Lite?
Defined contribution pensions are undeniably simpler than dealing with defined benefit pensions. But even with DC pensions, differences in age, State Pension, and how long the money needs to last, can impact on what is a ‘fair’ split. A PODE Lite gives you a clear way to divide things, without the full depth (or cost) of a full report.
What others say
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Thanks for my report. 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
How long do Full PODE reports take?
Divorce is stressful, so we move quickly.
We’ll deliver your Pension Sharing Report within 10 working days - once we have the necessary data and documentation from your pension provider.
Provider response times vary, but we chase weekly and keep you posted throughout.
How our process works
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Use our free assessment tool to understand whether a PODE report is necessary and if so which type would best suit your circumstances.
Have a conversation about the result with the other party.
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Make a joint decision to instruct us and complete our online instruction form.
Both make the initial payment so we can start work on your case.
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We request, collate and organise the data we need from pension providers to enable us to fully analyse your situation.
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We’ll conduct in depth analysis and do the calculations required to work out how to best share your pensions, or offset them against other assets.
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10 working days later you’ll both receive your PODE report. With clear recommendations about how to enable a fair pension share, or how the value should be offset against other marital assets.
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If helpful, we can point you towards other trusted professionals to implement your pension share or help with other financial planning needs which have been identified.