Divorce and separation can feel overwhelming emotionally, legally, and financially. Understanding what happens to your pensions, property, savings, and long-term financial security is essential to moving forward with clarity and confidence.
At Every Step Financial Solutions, we provide expert, independent divorce financial advice for individuals across Halifax, Huddersfield, Bradford, Leeds, and West Yorkshire. Our role is to help you understand your financial position, make informed decisions, and protect your future during one of life’s most challenging transitions. We guide you through all areas of your finances, including property, pensions and savings. We guide you through all areas of your finances, including property, pensions and savings.
At Every Step Financial Solutions, we provide expert, independent divorce financial advice for individuals across Halifax, Huddersfield, Bradford, Leeds, and West Yorkshire. Our role is to help you understand your financial position, make informed decisions, and protect your future during one of life’s most challenging transitions. We guide you through all areas of your finances, including property, pensions and savings. We guide you through all areas of your finances, including property, pensions and savings.
Preparing For Your Future
Specialist Financial Advice During Divorce
Financial decisions made during divorce often have long-lasting consequences. Many people feel confused about what is “fair”, what they are entitled to, and how their finances will look once everything is settled. That’s where professional, regulated advice makes a significant difference.
We help you:
Understand what assets you have and what they’re worth
Navigate pension sharing guidance and retirement implications
Plan financially for life after separation
Evaluate property and asset guidance, including keeping or selling the family home
Build a realistic budget after a divorce and a long-term financial plan
Approach negotiations and legal discussions with confidence
Our job is to provide clarity at a time when you need it most.
Common Mistakes People Make During Divorce
Our advice helps you make calm, informed choices & not rushed or uncertain ones. To help protect your financial wellbeing, we help you avoid mistakes such as:
What Are the Key Financial Considerations During Divorce?
Pensions
Defined benefit, defined contribution, personal pensions, and workplace schemes.
Property
Family home, investment properties, mortgages, equity, affordability and dividing property and assets fairly
Savings & Investments
Cash savings, ISAs, premium bonds, investment portfolios, and jointly held accounts. Helping you to manage your investments & savings during separation
Debts & Liabilities
Loans, credit cards, joint borrowing, overdrafts, and any outstanding commitments. Helping you with budgeting after a divorce
Income & Future Needs
Earning capacity, childcare costs, maintenance arrangements, benefits, and future lifestyle plans. Helping you with cashflow planning during divorce
Living Costs & Affordability
Housing costs, daily expenses, bills, childcare, transport, and the realistic cost of maintaining financial stability after separation.
Many people underestimate the value of pensions or overestimate the affordability of keeping the family home. Our role is to help you see the full picture — not just the immediate decisions.
Divorce Financial Services
Our Divorce Financial Advice Services
We offer a comprehensive range of financial support tailored to your situation.
Pension Sharing & Retirement Planning
Pensions are often the largest asset in a marriage, yet they are commonly misunderstood. We help you:
Understand the true value of pensions
Explore pension sharing orders
Compare sharing vs offsetting
Plan for retirement after separation
Assess how any settlement affects future income
A fair pension settlement can significantly improve long-term financial security — we ensure you have the right pension advice during divorce
Property, Assets & Savings
Decisions about the family home and joint assets can be stressful. We guide you through:
Whether to keep, sell, or transfer the property
How to divide savings and investment accounts
Understanding equity, affordability, and borrowing
Options for buying a new home post-divorce
We help you understand both short-term and long-term consequences so you can make grounded decisions with our property and asset guidance
Preparing For Your Future
Post-Divorce Budgeting & Cashflow Planning
Many people worry about “how I’ll manage financially” after separation.If you are finding it hard to budget after a divorce, we are here to help. We create a tailored budget and cashflow plan that considers:
Income changes
Housing costs
Children’s expenses
New bills or responsibilities
Rebuilding emergency savings
Long-term financial goals
Having a clear, realistic plan helps reduce stress and uncertainty.
Working Alongside Your Solicitor
Your solicitor handles the legal process while we handle the financial clarity. Together, this creates a stronger, more informed approach to your settlement. We work alongside your solicitor
We can support your solicitor with:
Valuations
Financial disclosure
Asset analysis
Settlement projections
Future income modelling
We do not provide legal advice, but we ensure you fully understand the financial implications of any legal agreement.
Our Process
How Our Divorce Financial Advice Process Works
01
Free Initial Discovery Consultation
A friendly, no-obligation conversation where we learn about your situation, your goals, and the financial decisions you may be facing during your divorce.
02
Information & Document Gathering
We help you collect and organise key financial documents, including pensions, property details, savings, investments, income, liabilities, and future financial needs.
03
Full Financial Review & In-Depth Analysis
We assess your complete financial position, valuing pensions, reviewing assets, examining affordability, and building a clear picture of your current and long-term outlook.
04
Scenario Planning & Option Modelling
We illustrate how different settlement options could impact your finances, helping you understand the short-term and long-term implications of each choice.
05
Personalised Advice & Action Plan
You receive clear, tailored recommendations and a structured plan designed to protect your financial wellbeing and support smoother negotiations.
06
Continued Support After Settlement
As your circumstances evolve, we remain available to help with budgeting, retirement planning, investment decisions, or adjusting your long-term financial strategy.
Who We Help
Our divorce financial advice is suitable for:
Individuals going through divorce or separation
Those unsure how to divide pensions or assets
Anyone worried about future affordability or retirement
People considering buying or selling their home after a divorce
Individuals seeking independent advice separate from their solicitor
Whether your finances are simple or complex, we can help you understand your position clearly.
Your Financial Future After Divorce
Our advice gives you:
A clear picture of your financial situation
Confidence in negotiations and legal discussions
A fairer approach to dividing assets
A long-term plan tailored to your new circumstances
Peace of mind knowing your future is protected
You deserve clarity, stability, and a secure financial future — and we’re here to guide you every step of the way.
Customer Testiomonials
Joanne is very thorough and efficient and takes the time to explain all the details of the work she undertakes. I won't be going anywhere else for my financial advice
Spoke with Jo for ten mins, and was told more about withdrawing my pension pot in them minutes than the Provider has told me in the last 7 weeks. Very professional and very helpful, would certainly recommend
Jo was so helpful. After having concerns on some financial queries, Jo was very knowledgeable and reassuring. She helped put my mind at ease and has given me confidence in moving forward.
First time using Every Step Financial Services and they have been brilliant, professional while making you feel comfortable as sometimes talking about things what they deal with are confusing and sometimes hard to understand for me anyway , this company can walk the walk as well as talk the talk thank God!!
Joanne was brilliant. listened to what I needed and then went through my pensions and explained what was going on with them. Would seriously recommend Joanne to all my friends & colleagues.
I am delighted to speak on behalf of JOANNE FLANAGAN of Every Step Financial Services. Joanne has provided financial advice to my wife and I for some time now and she has always offered this advice in a most professional manner. She listens carefully to our views and reflects them in her judgements. For many years Joanne ably monitored our investments and offered us advice on the way forward. Recently however Joanne has gone beyond what we could have expected as she has supported us with help, compassion, and understanding during our daughter's difficult divorce. We have had to loan our daughter much of our savings to fund her legal bills which have come in at irregular and sometimes unexpected moments. Joanne has always been there to with advice and help organising the arrangements and managing our withdrawls. She has proved herself a true friend as well as a financial adviser. When the divorce is settled and the loan repaid I look forward to reinvesting our savings with Joanne and Every Step. Thank you Joanne Frank Jeffs 14/12/24
First class service, with Joanne going above and beyond the call of duty. She is always available for a chat about plans, keeps me informed and quickly actions changes when needed. Can not recommend highly enough
Jo is a an actual lifesaver. I was on the hook for a >£100k inheritance tax bill after an 18 month probate process. My lawyer had tried everything, and we were in dire straits - the bill exceeded what was available in cash to pay it. I got second and third opinions from lawyer friends… No one had any better news for us. In desperation I turned to Jo who immediately spotted that I was entitled to transfer some of my deceased father’s allowance since my parents never divorced. SOMETHING MY LAWYER COMPLETELY MISSED! Unlike Jo, he’d just assumed that because they weren’t together, they were divorced. Jo takes the time to know her customers, assumes nothing, listens to EVERYTHING and that, along with her razor sharp mind and fairly recent training means she is on top of all the most recent legislation and can get the very best outcomes for her clients. My bill dropped to £8.5k thanks to Jo’s knowledge and intelligence and I am forever in her debt. Thank you, Jo. I cannot sing your praises highly enough, and my mum would be so, so grateful to you 🙏🏼
I've worked with Jo for a few years now & she is extremely approachable & friendly. Her advice has helped so much in understanding about my future finances. She actually talks in a language that I understand & makes it easy to get to grasps with financial stuff which is not my forte. I have recommended Jo to friends & family & they have benefitted from her advice too.
Absolutely incredible service! Joanne took the time to sit with us, talk to us (not at us!) and understand our very complex, individual circumstances. Her advice was unbiased, considered and perfectly suited to our needs. Highly recommend!!
Jo has helped my wife and me with our pension planning and given us general financial advice. She is extremely knowledgable and helpful and we can highly recommend her services.
Divorce Financial Advice FAQs
A solicitor deals with legal matters – a financial adviser helps you understand pensions, assets, budgeting, and long-term financial consequences. we help take some of the stress away by working with your solicitor
Ideally before negotiations begin. Early advice helps prevent costly mistakes. This means we can help with the divorce financial planning.
Yes. We can provide valuations, reports, and financial insights to support your legal case.
Yes. We work independently with one individual, or both separately if requested.
Absolutely. Everything is handled with complete discretion.
contact us
Speak to a Divorce Financial Specialist Today
Ready to explore equity release for your Halifax property?
Fill out the form below, and we’ll respond promptly! You can also explore our guides on pensions, property, budgeting, working with your solicitor, and frequently asked questions.
Call us at 01422 652300 or fill out our form, and we’ll contact you within one business day.