Case Study 1 - The Miserly Offer

Background

  • Our client, Mrs F approached us after being offered 55% of her ex husband’s pensions.

Concerns

  • She was concerned that the offer was not a fair one after such a long marriage (25 years).

What We Did

  • The parties agreed to look at the split on an equality of income basis.
  • We produced a report (including actuarial input) factoring in sex, ages and importantly (in this case) the client’s health. The ex husband was in poor health.
  • The report concluded that the split for equality of income should be 68% to our client.

The Results

  • The client agreed a 63% split in her favour.
  • This was an 8% increase on the initial offer which equated to £120,000 in extra cash equivalent transfer value.
  • She will receive an extra income of circa £7,200 per annum.

What Our Clients Say...

He started his efforts by finding out what was important to me...
“Phil has given me an individual service following the courts decision to award me with several pension sharing orders, no easy task of trying to get them implemented when you are living thousands of miles away in the Far East and struggling in the fog to deal with them.

Phil impressed me from the start as he was not daunted by the fact it would not be a straight forward case. He started his efforts by finding out what was important to me, my attitudes to risk and what my goals were before making any recommendations. Phil is approachable and plain speaking who is totally dedicated to providing you with the best services and advice. I have no hesitation in recommending Phil as a trustworthy financial advisor. I now have peace of mind and am looking forward to a comfortable retirement.”
Mrs P - Singapore and Bedfordshire (Dual Residency)

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