Here are our most

Frequently Asked Questions.

  • A Pension Sharing Report, also known as a ‘PODE report,’ is a technical document prepared by an expert which identifies the value of your pensions, then helps you work out how to share them fairly or how their value should be weighed against other marital assets like property.

    It establishes accurate pension values and calculates the retirement income each party would receive based on different settlement options.

  • It depends.

    Pensions are often one of the largest assets in a marriage, yet they are frequently misunderstood. The Cash Equivalent Value (CEV) shown by your pension provider does not always reflect the true long-term value, especially for Defined Benefit pensions.

    An expert PODE report ensures the settlement is fair not just today, but at retirement.

  • Pension sharing divides the pension itself, so each party has their own separate pension pot moving forward.

    Pension offsetting in divorce means one person keeps more of the pension while the other receives more of a different asset, such as property or savings.

    Offsetting can be a good option but It’s important to accurately value the pension to inform the offset value and to understand the long-term impact before agreeing.

  • 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.

  • 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.

  • Once all pension information has been received from providers, our reports are prepared within 10 working days.

    The main variable is how quickly pension providers supply the necessary data (further insight here)

  • Quite the opposite.

    Expert clarity often reduces conflict and speeds up agreement because both parties are working from the same evidence-based analysis.

  • A PODE report is commonly used within mediation.

    It provides a neutral foundation for discussion and supports informed decision-making without escalating matters.

  • That’s completely normal.

    Some cases require a Full PODE report, either with or without offsetting. Others are suitable for a PODE Lite report. And sometimes no report is necessary at all.

    The simplest way to find out is to complete our short zero cost assessment (do so here)

  • Yes. 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.

  • Start with clarity.

    You don’t need to understand pensions in depth, that’s our job.

    If you’re unsure whether you need a report, begin with the assessment. It takes just a couple of minutes and gives you a clear next step.

  • We have trusted financial planning partners who can assist you with the implementation of your pension share, retirement planning or other financial planning needs.

    We can safely share the data we’ve collected to ensure a seamless transition, saving both time and money.