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Divorce and finances – how to sort out the assets when a marriage ends

Going through a divorce is a stressful transition but there are some important considerations which can be taken into account early in the separation process to minimise complications down the line.

Charles Stanley


The first step in the process is to draw up a list of assets that may need to be divided. All assets, including pensions, property, and investment portfolios will need to be independently valued. This will be more straightforward in some cases than others.

The house and pension funds pots will generally form the largest two assets and, if these assets need to be divided, the process can be complicated.

Dividing up the assets is an important part of the separation process but there are also a number of other considerations which need to be taken into account, particularly regarding legal documentation. Wills, for example, will need to be reviewed. When a divorce is finalised, any provisions in a will which benefitted the ex-spouse or ex-civil partner are automatically nullified. If they were the sole beneficiary, then the estate will become subject to the rules of intestacy. Life insurance policies and any lasting power of attorney will also need to be updated.

Financial and investment advice should be sought as early as possible so you know roughly which assets you may be due and any income they may produce. The amount of investable assets you retain will have a direct effect on the amount of income you receive after the divorce. Charles Stanley can help with constructing an investment portfolio to produce an income from these assets based on your risk profile. The income can be variable to meet the different stages in your life and lump sums maybe required to fund school fees or other larger expenses.

Please email me, James Stewart-Smith, on [email protected] or call 01483 230816.

The value of investments and the income derived from them may go down as well as up and you may not get back the amount you originally invested.

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