Getting Divorced — Resetting Your Finances with Confidence
Divorce isn’t just the end of a relationship — it’s the start of a new financial reality
Separation changes more than your status — it changes your income, household, pensions, property, savings, inheritances, and often your future financial plans. At a time of upheaval, uncertainty can be brutal.
At Lucent, we help you pause, regroup, and build a clear, secure financial plan — so you emerge from divorce with stability, clarity and control.
Why Choose Lucent for Your Financial Planning?
Our financial planners, with the support of our wider team, work tirelessly to ensure our clients receive the highest standards of advice and care. We are proud of the reviews we receive on third party sites.(Numbers updated Dec 2025)
The Financial Risks You Face After Divorce or Separation
- Assets get divided — but not always fairly or permanently. Pensions, savings, property, investments and business interests are often regarded as shared marital assets (whether or not they were individually held).
- Pension entitlements and retirement plans may change drastically. UK law allows for pension-sharing orders, meaning one spouse could lose significant retirement security if not managed properly.
- Housing and living costs often double. Moving out, paying rent or setting up a new household — this can erode financial stability.
- Settlement money or lump-sums are easy to erode by emotional spending or poor planning. Without a plan, you risk exhausting funds quickly.
- Tax, maintenance, inheritance, and future wealth planning become complicated. Mistakes now can cost decades of financial security.
- Emotional stress reduces clarity — making it easy to make bad financial decisions under pressure.
Without expert help, what should be a fresh start can turninto years of financial struggle.
What a Divorce-Focused Financial Plan Should Deliver
- A clear valuation of all assets — pensions, savings, property, investments, business interests — to ensure a fair and informed settlement.
- A structured pension review and sharing plan: ensuring retirement remains secure, even if pensions are divided.
- Cashflow and income planning: establishing a sustainable budget, income sources, and future financial security on a single income.
- Tax-efficient structuring and protection: including investments, savings, inheritance, and future wealth building.
- Estate planning and safeguarding: updating wills, beneficiary nominations, tax/inheritance planning, ensuring future stability.
- Emotional & behavioural guardrails: helping curb impulsive or emotionally driven spending, establishing a disciplined financial path post-divorce.
- Long-term growth opportunity: guiding reinvestment or consolidation of assets to rebuild and grow wealth — not just preserve it.
In short: turning upheaval into opportunity — resetting, rebuilding, and securing financial independence.
Our Process — A Simple, Supportive 5-Step Divorce Recovery Plan
We aim to make this process clear, manageable and
compassionate — especially when you’re under stress.
1. Initial Financial Consultation
We start by assessing everything: pensions, savings, property, debts, income, benefits, business interests — to get a full picture of your financial baseline. Free, no-obligation.
We help value all shared assets — especially pensions — evaluate settlement options, and map out potential outcomes (including pension sharing).
3. Cashflow & Budget Redesign
We build a realistic monthly budget and cashflow model for your new life — factoring in new housing, living costs, income, child maintenance (if relevant), lifestyle and future goals.
4. Tax, Investment & Protection Planning
We propose a tax-efficient plan: savings wrappers, investment allocation, insurance (if needed), estate & inheritance safeguards, to preserve and grow wealth responsibly.
5. Implementation & Ongoing Support
We guide or help manage transfers: pensions, investments, insurance, wills, beneficiary updates — and review with you regularly to adapt as life evolves.
Why People Trust Us in the Hardest Times
✅ Empathy-first approach — we know separation brings emotional weight. We treat every case with care, discretion and human understanding.
✅ Independent, chartered advice — no product-pushing, no pressure — just what suits your situation and needs.
✅ Holistic planning — we pull together pensions, investments, protection, tax, estate — because everything changes after separation or divorce.
✅ Clarity and simplicity in communication — we avoid financial jargon. We explain in everyday language what’s changing, what matters, and what to do next.
✅ Discreet hand-holding through complexity — dividing assets, joint debts, divorce settlement — we help navigate the maze so you don’t have to.
See What Our Clients Say
We’ve helped hundreds of clients across the Midlands achieve financial peace of mind, freedom, and happiness.
Here’s what a few of them have to say...
"I'm really happy with their service! They took the time to understand my unique situation and goals, ensuring every recommendation aligned perfectly with my needs."
"From the very first moment of meeting, we were made to feel so welcome. We felt so relaxed and at ease. We felt staff were honest and trustworthy and talked in a way we understood."
"Steve understands our objectives, listens to our needs and what we require. He advises us how to best achieve our goals and encourages us to go ahead with our retirement. We are very happy with the current progress."
"We have used Lucent for several years and found them outstanding advisors. Steve Rowe is an outstanding example of how a brilliant advisor can turn around even the most sceptical client."
"Keely has been excellent in explaining so we clearly understand our pensions and investment options. The outcome has exceeded our expectations, the service we have received from Keely Woods has been exceptional."
"We have been with Steve for over 10 years. We have got to treat him as a friend now. Steve has guided us through some tough times on the way to retirement, we have always trusted his judgement."
"Steve has also stepped in with advice that has saved a significant amount in taxation over the past year and helped me in readiness for retirement."
"Luke has listened and understood our needs and provided very thorough explanations of our options to enable us to make a very informed decision."
"From the very first moment of meeting, we were made to feel so welcome. We felt so relaxed and at ease. We felt staff were honest and trustworthy and talked in a way we understood."
"Steve I would like to thank you for your support, understanding and advice. You have provided us with clear and concise details enabling us to make informed decisions."
"It took me a while to find the right financial planners, I wanted someone who was interested in doing the best for me and not just interested in what I would be worth to them. I definitely found that and more at Lucent."
"Keely has removed the “fear” from managing my financial assets - an important outcome for me. I am also happy with the outcomes in terms of the performance of investment decisions that I have made."
"Luke has provided a plan, based on investment advice, that allows us to meet our objectives. We have retired and our lifestyle has actually improved!"
Getting divorced? Don’t let your financial affairs take a hit.
Contact Lucent today for expert advice on managing your wealth post-divorce and building a secure financial future.
- Will you have investible assets of at least £500k post-divorce settlement?
- Do you need financial planning support to restructure your wealth after a divorce?
- Are you looking for advice on dividing assets and planning for your financial independence?
- Do you want to ensure your future financial stability after the divorce?
If you answer yes to the above, get in touch.
FAQs
Slow down, take stock, and talk to a financial adviser. Investing wisely will help secure your future and avoid the temptation of emotional spending.
We’ll work with you to reassess your finances, update your budget, and create a plan that works for your new reality. Plus, we’ll help you invest smartly and plan for the future.
Absolutely. It’s important to update your Will to reflect your new situation and make sure your assets go where you want them to.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.