Are you ready to break free..

Pensions are often one of the most valuable assets that is overlooked during divorce proceedings when it comes to considering your financial settlement. A qualified financial adviser is paramount to ensure you receive the best possible advice.

Let pensionorder.com put you in touch with an expert today.

Benefits of using pensionorder.com

FREE SERVICE

We are a free service who can quickly connect you to a pension sharing order Financial Advisor

FCA QUALIFIED ADVISER

We confirm all key details of our Financial Advisers ensuring they are authorised by the Financial Conduct Authority.

EXPERTISE

We are the UKs largest pension sharing order specialist.

SATISFACTION

We have helped thousands of people like you to gain financial independence from their spouse.

Separation from your spouse can be an incredibly stressful time. Don’t make the mistake of leaving your own independent financial planning until the last minute.

We work with a panel of fully qualified Financial Advisors who specialise within ‘pension sharing orders’ who can give you a free, no obligation consultation.

Why you should use a financial advisor

You will receive tailored advice for your situation and financial requirements.

Your spouse’s financial advisor will not be able to offer you impartial advice as there will always be a conflict of interest.

Your financial advisor will have a clear focus on maximising your entitlement.

Your financial adviser will be able to provide you with further financial planning needs to help you towards your future retirement goals.

You can reduce your stress knowing that your financial needs are being met.

Financial settlements can be complicated. A qualified financial adviser will be able to cut through the pension jargon and explain things clearly and concisely.

You will have peace of mind knowing you are in safe hands working with a professional advisor.

Your financial adviser will have extensive experience in working alongside solicitors which will prove to be invaluable throughout this process.

Request a call back from pensionorder.com

03330 503156

Your spouse will be receiving free financial advice now.

Why aren’t you?

Take the step towards your financial independence today

Reviews.

  • “Using pensionorder.com was a simple and easy way to find a financial adviser. I was able to speak with some qualified the same day. ”

    Jessica, Twickenham UK

  • “I have been searching for the right financial adviser to manage me through my divorce. I am so glad that I spoke to someone at pensionorder.com. They were able to put me through to an adviser that advised me on accessing my husband's pension. Thank you to everyone at pensionorder.com

    Janine, Ipswich UK

  • “A very fast and efficient professional service"

    Lindsey, Manchester UK

  • “When I was filing for my divorce, I never realised I would need to speak to someone about a pension sharing order. I am so glad that I was referred to pensionorder.com. They were quick to put me into touch with someone close to me that offered face-to-face financial advice.

    Paula, Leeds UK

  • "I never knew it would be this easy to use a service that specilaised in pension sharing orders. There was very little fuss or paperwork. My adviser guided me right through the process from start to finish."

    Sara, Liverpool UK

  • "Great service. pensionorder.com put me in touch with Michelle, a fully qualified Chartered Financial Planner. Michelle helped me understand the in and outs of our joint pensions and how they could be divided. She worked alongside my solicitor and made a stressful situation a lot easier. Thanks Michelle and thanks pensionorder.com

    Amanda, Cardiff UK

  • "I had never considered using a financial adviser until I spoke to pensionorder.com. They made the process simple and highlighted areas that I had never known about previously. Since my separation I have continued to use my financial advisor for all areas of my portfolio and now feel I am control of my finances. Excellent service. "

    Nichola, St. Albans UK

  • "During my divorce I contacted pensionorder.com. They listened to my circumstances and recommended speaking with Joanne. Joanne not only gave me excellent advice regarding my pension sharing order but has also helped me set up trusts for my children. I would not hesitate to recommend this company. Their service was professional and extremely efficient. "

    Aoife, London UK

Frequently asked questions

  • A Pension Sharing Order is where the courts, as part of you divorce settlement, can order your spouse to split their pension with you. In some instances a pension provider will not accept a transfer of this nature, that is why it is imperative that you seek independent financial advice as part of this process. This is where we can help. Not only will this take away a large amount of stress but also you can be sure that you are receiving the correct and proper financial guidance.

  • Absolutely. Enlisting the services of an independent financial advisor should be at the top of your list of priorities. Surprisingly it is often overlooked as the situation is a stressful time with so many aspects to be dealt with. A financial advisor who specialises in pensions can be invaluable in providing impartial advice and tailoring a solution that suits your financial situation.

  • If you are going through a divorce and are concerned about the division of financial assets, you may be wondering about pension sharing orders and any associated time limits. The good news is that there are no time limits for pension sharing orders, and they can even be applied for after the divorce has been finalized. The only requirement is evidence that the divorce proceedings have started or have been finalized. However, there are time constraints for implementing the pension sharing order, which differ between England and Wales and Scotland. In England the implementation is 4 months whereas in Scotland it is 2 months. It is always advisable to seek the advice of a financial advisor to ensure a smooth process. Overall, while it is not necessary to rush the pension sharing order process, getting it done sooner rather than later can help alleviate stress and allow you to focus on the next chapter of your life.

  • If a member of the party passes away after the pension order has been finalised, but before the pension payments have started, the pension payments will be made to the nominee or legal heir of the deceased member. The nominee or legal heir will have to provide a death certificate and other relevant documents to the concerned authorities in order to receive the pension payments. The amount of pension payments will be the same as what the deceased member would have received if he or she was alive. However, if the member passes away after the pension payments have started, the pension will stop and no further payments will be made to the nominee or legal heir.

  • An internal transfer means that the recipient's current pension provider will form a new pension plan for them that is completely separate from their ex's pension. Some public-sector pensions only permit internal transfers.

    An external transfer means that the pension credit will be transferred to a separate pension plan. The recipient selects which plan to contribute to. This could be an existing pension plan or one put up by the beneficiary in order to receive the pension credit. You must ensure that the suggested pension plan will take a pension credit from your ex's pension provider. Most providers accept a Pension Sharing Order credit. It’s important to speak to a qualified Financial Adviser early in the process so they are able to advise accordingly.

  • The pension debit/credit does not occur immediately once the court has granted your consent order and made your pension sharing order.

    The pension sharing order arrangement only becomes legally enforceable (or "takes effect") on the later of these two dates:

    either, the date of the final order (previously known as the decree absolute)

    or, 28 days from the date of the pension sharing order (7 days after the time limit for appealing the order has expired)

  • Yes, a pension sharing order may cover numerous pensions and may specify a different percentage to be taken from each pension plan.

  • If you divorced without obtaining a financial remedy order, either party can make a claim on their ex-spouse's pension, regardless of how long ago the divorce occurred. To avoid unpleasant surprises about your pension or retirement benefits later on, it is critical to request a financial consent order from the court at the time of your divorce. You can speak to an experienced financial adviser today to discuss how they can assist you with your enquiry.