Financial planning through separation and divorce

Know exactly where you stand, and what you can do next.

Separation puts a lot of financial decisions in front of you at once, usually at the worst possible moment for making them. A conversation with a specialist financial planner turns that into something you can see clearly and work with.

Most people find they have more room to work with than they first thought.

Request a free consultation

A 30 minute conversation with Chloe. No cost, no obligation, nothing to prepare.

Where most people start

The questions a solicitor cannot answer

Legal advice tells you how a settlement is reached. It does not tell you what that settlement means for the rest of your life. That is a different question, and it needs a different specialist.

What is the pension actually worth?

Pensions are often the largest asset on the table and the least understood. A transfer value on a statement rarely reflects what the benefit is really worth to either person.

What can I afford, and for how long?

Cashflow modelling turns a settlement on paper into a picture of the life it funds, year by year, including the years long after the paperwork is done.

Is this offer as fair as it looks?

Two settlements worth the same today can look very different in twenty years. Tax treatment, access, growth and risk all pull them apart. Better to see that before signing than after.

What happens to everything else?

ISAs, investments, protection policies, wills and pension beneficiary nominations all need revisiting. Some of it is more time sensitive than people expect.

What changes

Confident, calm and clear about the numbers

The aim is simple. You should be able to walk into any conversation about money, with your solicitor, your mediator or your former partner, knowing precisely what you are looking at.

One clear picture

Everything you hold and everything on the table, gathered into a single document written in plain English.

Your options, side by side

What each possible settlement means for your income, your home and the age you could stop working.

A translator in the room

Pension sharing orders, offsetting, CETVs and capital gains explained properly, so you make decisions rather than take them on trust.

A plan for afterwards

The settlement is the starting line. What you do with it over the following decades is what shapes the outcome.

Your adviser

Chloe Platts

Chloe is a financial planner at Blincoe whose work focuses on people separating or divorcing. It is the area she chose, and the area she cares most about.

She is a member of Resolution, the national community of family justice professionals. Its members sign a Code of Practice committing them to a constructive, non-confrontational approach: to act with honesty and objectivity, to help clients understand the long term financial and emotional consequences of their decisions, and to guide people through the options open to them without judgment.

Chloe works alongside family law firms across the region. If you already have a solicitor, she will work with them. If you do not, she can point you towards one.

How it works

Three steps, at your pace

1

A free first conversation

Thirty minutes by phone or video. Nothing to prepare and nothing to bring. Chloe listens to where things stand, answers what she can there and then, and tells you honestly whether there is anything worth doing next.
2

Your financial picture

Chloe gathers the detail: pensions, property, savings, investments, income and outgoings. You receive one document that sets out your position clearly enough to hand to your solicitor.
3

Your options, modelled

Possible settlements modelled side by side, so you can see what each one funds over the next thirty years. You negotiate from evidence rather than instinct.

Afterwards is optional. Some people take the report and stop there. Others stay with Blincoe on a fixed monthly fee to put the plan into action. Either is fine, and there is no pressure either way.

Where we fit

Alongside your solicitor, not instead of them

Blincoe does not provide legal advice. Chloe works with your solicitor or mediator, supplying the financial analysis they need and translating it back to you. Many family law firms refer clients to her for exactly this reason.

What the first conversation covers

Where you are in the process and what happens next
Which assets are likely to matter most
The questions worth asking your solicitor
Whether formal financial analysis would help you, and what it would cost

Fees

Fixed, and agreed before anything starts

The first conversation costs nothing. If formal analysis would help, the settlement report is a fixed fee of [[FEE]], quoted and agreed in writing before any work begins. Blincoe charges no percentage of your assets, ever.

Ongoing financial planning, if you want it later, is a fixed monthly fee starting at £200.

Start with a conversation

Thirty minutes with someone who does this every day. No cost, no obligation, and no expectation that you do anything afterwards.