When going through a divorce, it’s easy to focus on the here and now—immediate concerns like housing, childcare, or just getting through the process. But one of the most valuable assets in any long-term relationship is often overlooked: pensions.

Why does this happen?

In recent years, divorce has become more accessible. Many people now handle their own separations online without seeking legal advice. While this can save time and money upfront, it can also mean missing out on a full picture of the financial implications—especially when it comes to pensions.

Most divorces happen later in life, with many couples splitting after the age of 50. By that time, pensions have often grown significantly in value. However, career breaks—often for raising children or supporting a partner—can mean that one person’s pension is worth much less than the other’s. This can create a serious imbalance and long-term financial disadvantage if not properly addressed.

At Ridley & Hall, we believe it’s essential for separating couples to have a clear understanding of all their financial assets—including pensions, property, savings, and investments. Transparency allows for fair and informed decision-making and helps avoid unpleasant surprises down the line.

Pensions can be shared and split in a divorce to reflect differences in career paths and contributions over the years. It’s one way of helping both parties maintain financial stability in the future.

Our experienced family law team is here to guide you through the process and ensure that your financial settlement is not only fair but sets you up for a secure future. If you’re separating or thinking about divorce, don’t leave your financial wellbeing to chance—speak to us today.

Karen Roberts – Partner & Solicitor