During a divorce, your solicitor handles the legal process, but financial clarity is just as important. The best outcomes happen when legal and financial advice work together. At Every Step Financial Solutions, we collaborate with you and your solicitor to provide clear, accurate financial insights that support fair and confident settlement decisions.
Our goal is to make the process smoother, clearer, and less stressful by ensuring all financial information is understood and fully considered. If you also need clarity around pensions, property or budgeting, our full divorce financial advice guide helps you understand how each financial area connects during the settlement process.
Our goal is to make the process smoother, clearer, and less stressful by ensuring all financial information is understood and fully considered. If you also need clarity around pensions, property or budgeting, our full divorce financial advice guide helps you understand how each financial area connects during the settlement process.
Preparing For Your Future
Why Financial Advice Supports the Legal Process
Your solicitor focuses on the legal framework. We focus on the financial implications behind it.
Working together provides:
Greater clarity in financial negotiations
A stronger understanding of the long-term impact of settlement options
Better preparation for mediation or court
Clearer and more accurate financial evidence
Reduced stress and uncertainty
Faster, more informed decision-making
This collaborative approach helps ensure your legal outcome reflects the true financial reality.
We help you:
Understand what assets you have and what they’re worth
Navigate pension sharing and retirement implications
Plan financially for life after separation
Evaluate property options, including keeping or selling the family home
Build a realistic budget and 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. Working closely with legal professionals also ensures your financial decisions align with your wider settlement strategy, which we explain further in our guide to budgeting and cashflow planning after divorce.
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:
Divorce Financial Services
How We Work Alongside Your Solicitor
- Providing Clear Financial Analysis – We translate complex financial documents, pensions, investments and valuations into simple, understandable language.
- Supporting Mediation & Negotiations – We help you and your solicitor prepare realistic, well-informed proposals.
- Preparing Financial Summaries & Reports – We produce clear summaries your solicitor can use during negotiations or court proceedings.
- Ensuring Accurate Pension & Asset Valuations – We identify when valuations are missing, incomplete, or inaccurate.
- Assessing Affordability & Long-Term Impact – We show how settlement decisions affect your future income, cash flow and financial security.
- Helping You Understand Each Option – We explain the pros, cons, and long-term consequences of each settlement scenario.
This combined legal and financial approach ensures your settlement decisions reflect the real value of your pensions, assets and long-term affordability. You can learn more in our full guide on property, assets and savings during divorce.
When We Typically Work With Your Solicitor
You may benefit from combined legal and financial support during:
Mediation discussions.
Form E disclosure.
Negotiations around property or pensions.
Drafting a financial settlement proposal.
Preparing for court hearings.
Reviewing pension sharing or offsetting options. For further clarity on pension decisions, our pension sharing and valuation page explains how different schemes may affect your long-term financial position.
Evaluating the affordability of keeping the home. You can find more guidance on this in our property and assets advice section, which helps you assess true affordability.
Clarifying complex assets like investments or business ownership.
Key Areas We Assist With
Pension Analysis
Helping solicitors understand the real value, income projections and settlement implications.
Property & Asset Valuations
Explaining equity, affordability and the long-term impact of asset division.
Budgeting & Cashflow Planning
Demonstrating whether proposed settlements are financially realistic.
Settlement Scenarios & Comparisons
Clear breakdowns of how each option affects your future finances.
Evidence & Documentation Support
Providing structured information that solicitors can use in mediation or court.
Preparing For Your Future
Clear Communication Throughout the Process
We ensure that:
You understand your financial position
Your solicitor has accurate and complete information
Complex figures are simplified into clear explanations
Everyone involved is fully aligned
You remain confident in every decision
This teamwork reduces confusion and strengthens your negotiating position.
Working Alongside Your Solicitor
We help prevent issues such as:
Misunderstanding pension values
Overlooking long-term affordability
Accepting settlements based only on short-term needs
Feeling overwhelmed by financial documents
Underestimating the importance of future planning
Relying solely on a CETV for complex pension schemes
You don’t need to make these decisions alone — we help you stay fully informed at every step. This combined legal and financial approach ensures your settlement decisions reflect the real value of your pensions, assets and long-term affordability. You can learn more in our full guide on property, assets and savings during divorce.
Our Process
Our Six-Step Collaborative Process
01
Initial Consultation With You
We learn about your circumstances, goals, and financial concerns.
02
Document Review & Information Gathering
We help collect valuations, statements, pension data and financial documents.
03
In-Depth Financial Analysis
We assess pensions, property, savings, income, and long-term implications.
04
Settlement Modelling & Options
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 This Service Is For
This service is ideal for:
Individuals going through mediation or court
Anyone needing clear financial explanations for their solicitor
People with complex assets such as pensions, businesses or investments
Clients want confidence in settlement proposals
Anyone unsure how to interpret financial paperwork
Those seeking a fair and realistic financial outcome
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.
contact us
Supporting You and Your Solicitor Every Step of the Way
We give you the financial clarity you need to make confident decisions and help your solicitor build a strong, well-informed case. Together, we ensure your settlement reflects both your legal rights and your long-term financial wellbeing.
Book your free, no-obligation consultation today.
Call us at 01422 652300 or fill out our form, and we’ll contact you within one business day.