Case Study 7 - The Separating Couple


  • Mr & Mrs C were both aged 61, in good health, with three grown up children. Mr C had a British Petroleum pension in payment of £18,000 per annum with provision to Mrs C on death of £15,000 per annum (83%).


  • How to provide an adequate split of pension assets which was fair to both sides.
  • No shadow membership available.
  • CETV – poor value to both sides.

What We Did

  • Requested an actuarial report which stated that the share needed to be 63%:37% in Mrs C’s favour to equalise gross pension in payment of £7,000 each.
  • We advised on the clients on their options including the costs of implementing a pension sharing order and the consequences of this approach.

The Results

  • Clients decided not divorce but legally separated.
  • Mr C retained his higher pension.
  • Mrs C retained her 83% benefit on Mr C’s demise.
  • Both would have been short changed by a sharing order.
  • Novel and innovative solution.

What Our Clients Say...

Phil is worth his weight in gold...
“It is such a pleasure and privilege to be able to provide a testimonial for Phil O’Connor, The Divorce IFA. Phil and I have worked together on many occasions both in a mediation context helping separating divorce couples reach positive outcomes for themselves financially and parentally, and also in a collaborative process context, where Phil’s expertise, down to earth manner and his ability to find creative outcomes for both participants has really added value to our collaborative journey. I just want to say that Phil is worth his weight in gold and adds value in many respects.”
Elizabeth Tait - Mediator, PPC and Collaborative Solicitor, Divorce Jigsaw

Do You Have A Question Related To This Case Study?

Use the form below to ask me anything about this case study. I promise that anything you say will be 100% confidential.

  • Some of our Accreditations & Awards