Financial Planning Through Divorce & Separation

Your relationship may be changing. Your financial future will too.

Divorce is a legal process. But the decisions you make along the way can shape your finances for years to come.

The house. Your pension. Savings. Investments. Income. Tax. Your settlement.

There’s a lot to think about – often at a time when thinking clearly about money is probably the last thing you feel like doing.

That’s where we come in.

At Luma, we work alongside you and your solicitor to help you understand what the financial decisions you're making today could mean for your life tomorrow.

Clear advice. A plan for what comes next.

Why financial advice matters during divorce

It can be tempting to focus on one question:

“What am I getting in the settlement?”

But there's another question that's just as important:

“What will that actually mean for my life?”

A settlement that looks fair on paper doesn't necessarily tell you whether you'll have enough income, whether keeping the family home is affordable, what your pension could be worth later in life, or whether your money will support the future you're planning.

We help you look beyond the settlement and see the bigger picture.

Want to plan for your brighter future?

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The earlier we talk, the more we can help

Financial advice often comes after a divorce settlement has already been agreed.

We think there's real value in having the conversation sooner.

Getting us involved early means we can work alongside you and your solicitor while different options are still being considered – helping you understand the numbers and their longer-term impact.

Where appropriate, we can act as a financial neutral, working alongside both parties and their legal advisers without taking sides.

We're not there to provide legal advice or influence the outcome.

We're there to help everyone understand the numbers behind the options being discussed and what those options could mean financially over the longer term.

Less confusion. Better-informed conversations. Fewer financial surprises later.

How we help

You might not know exactly what life after divorce looks like yet.

We'll help you understand where you stand today, what your options could mean and how to build a financial plan around the life you want next.

The family home

Keeping the family home can understandably feel important. But can you comfortably afford to stay there – not just now, but in five, ten or twenty years? We can help you understand what keeping or selling the property could mean for the rest of your finances.

Pensions

A pension and a property worth the same amount today aren't necessarily worth the same to your future. We'll help you understand your pension position and what the different options could mean for your longer-term plans.

Income

Will your settlement give you enough to live the life you want? We'll look at your income, expenditure and assets to help you understand what you may need now and, in the years, ahead.

Investments

Divorce can mean existing investments need to be divided, transferred or reconsidered. We can help you understand what you have, what your options are and how your investments could fit into your new financial plan.

Tax

How and when assets are divided can have tax implications. We'll help you understand where tax could affect your financial position and, where necessary, work alongside your other professional advisers.

Protection

If you'll rely on maintenance or other ongoing financial support, your protection should always be reviewed to make sure your new circumstances are covered. We'll look at the protection you already have and whether anything needs to change.

Planning what comes next

Divorce isn't just about dividing what you have now. It's about working out what you need for the next chapter. We'll help you bring everything together – your income, pensions, investments, protection and future goals – into one joined-up financial plan.

See what life after divorce could look like

Sometimes, numbers on a spreadsheet don't tell you very much.

Our Financial Blueprint can.

Using sophisticated cashflow modelling, we map your income, spending, savings, assets and goals to give you a visual picture of your financial future.

We can model different scenarios too.

What if I keep the house?
What if I take more of the pension?
What if I want to retire at 60?
How much income will I actually need?
Will my money last?

Instead of guessing, you can see how different decisions could affect your future before you make them.

Build your Financial Blueprint