Divorce financial advice
in Liverpool
Specialist financial guidance for women navigating separation, so you protect what matters and plan confidently for what comes next.
Divorce is one of the most financially complex events of your life. The decisions you make during the process will affect your financial security for years to come.
As a Chartered Financial Planner, Resolution member, and Treasurer of Resolution Merseyside, I provide specialist divorce financial advice for women in Liverpool and across England, working alongside your solicitor to make sure nothing is missed and your financial interests are fully protected.
Divorce financial advice at every stage of the process
Understanding your full financial picture
Identifying and valuing all assets
Guidance on completing Form E
Budget planning for your new financial position
Clarity During Separation
Protecting Your Financial Position
Pension sharing and pension offsetting advice
Clean break order considerations
Property and investment planning
Tax implications of the settlement
Learn more about pensions
Rebuilding financial confidence and independence
Retirement planning as a single person
Investment strategy post-settlement
Long-term wealth and estate planning
Planning Life After Divorce
The women I work with going through divorce
The clients who come to me for divorce financial advice are women at a moment of enormous uncertainty. Many of them have never dealt with the household finances before. Their partner handled the money, the pensions, the investments and now they need to understand all of it, quickly, while also managing the emotional weight of everything else that is happening.
Some have been told by their ex that there is no need to get solicitors involved, that everything has already been worked out fairly. Some have been handed a proposed settlement and asked to sign it. Some have discovered, during the process, that there are assets they did not even know existed.
What they all need is someone on their side who understands the numbers, speaks plainly, and helps them make decisions they will not regret.
That is what I do.
I work alongside your solicitor throughout the divorce process, providing financial analysis and advice so the legal settlement reflects the full financial reality of your situation.
Understanding your financial position starts with full disclosure
One of the first formal steps in the divorce financial process is completing a Form E, the financial disclosure document that sets out the full picture of both parties' assets, income, and liabilities.
Many women find the Form E overwhelming. It requires detailed information about pensions, investments, property, business interests, and debts. Areas that may feel unfamiliar if your ex previously managed the finances.
I help you work through the Form E process with clarity. My role is to make sure you understand what is being disclosed, identify anything that may have been undervalued or omitted, and help you have the financial knowledge to make informed decisions at every stage of the settlement.
The financial decisions you make now will shape your future
The financial settlement reached in a divorce is largely final. Once agreed and approved, it is extremely difficult to revisit. That means the decisions made during the process matter enormously, and making them without specialist financial advice carries real risk.
Women who come to me after a divorce has been finalised often tell me the same thing: they wish they had understood their pension position more clearly. They wish they had known what a clean break order meant for their future financial independence. They wish they had had someone on their side who understood the numbers.
My role is to make sure you are not in that position. I provide clear, honest financial analysis throughout the divorce process so that you reach a settlement that genuinely reflects your financial entitlements and sets you up for the life ahead.
Not sure where to start?
Use my divorce financial checklist.
I have put together a practical financial checklist specifically for women going through divorce. It covers the key financial areas to address at each stage of the process — from the initial separation through to settlement and life afterwards.
It is to download and designed to give you a clear starting point, even if you feel completely overwhelmed right now.
Testimonial
“Managing your finances can feel especially daunting when life is in transition, whether through divorce, as in my case, or perhaps a significant career change. It’s during these moments that clarity and compassion matter most. From the moment I discovered Shalini’s work, I felt understood and prioritised. She brings a rare combination of empathy and expertise that immediately put me at ease. I am so grateful to have found her, and truly look forward to working together once everything is finalised. Thank you again Shalini - outstanding, exciting and inspiring!”
Frequently asked questions
about divorce financial advice
Q: When should I contact a divorce financial adviser?
A: As early in the process as possible. I regularly work with clients who come to me after a divorce has been finalised and the consistent message is the same: “they wish they had sought financial advice sooner.”
The earlier in the process you have specialist financial guidance, the more options are available to you and the better position you are in to negotiate a settlement that truly reflects your entitlements.
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Pension sharing is a legal mechanism that allows pension assets to be divided between divorcing parties as part of the financial settlement.
In many marriages, particularly where one partner has taken career breaks, the pension built up during the relationship is the most valuable asset, sometimes worth more than the family home.
Without specialist advice, pensions are frequently either ignored or undervalued in settlements.
As a Resolution member, I provide specialist guidance on pension sharing so your retirement position is properly protected.
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A Form E is the financial disclosure document used in the divorce process.
It sets out both parties' full financial position including assets, income, pensions, property, and liabilities. Many women find it overwhelming, particularly if their partner previously managed the finances.
I help you understand what is being asked, what information you need to gather, and how to identify whether everything has been fully and fairly disclosed.
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Divorce can have a significant impact on retirement planning, particularly if pension assets are being divided or if you are going from a dual-income household to a single income.
I help you assess the full impact on your retirement position and put a plan in place that addresses any gaps, so your long-term financial security is not compromised by the settlement reached.
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For clients actively going through divorce, I recommend check-ins every six to eight weeks.
This keeps you informed and confident at every stage, particularly if your ex previously handled the finances and you are getting up to speed quickly.
After the settlement is finalised, I recommend annual reviews to keep your financial plan on track if you become an ongoing client with me.
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Yes. While I am based in Liverpool and work with many clients locally, I support women throughout Merseyside, the North West, London, Birmingham, Manchester, Cheshire.
The advice is always personal and built around your specific situation regardless of location.
Ready to Protect your financial future?
The first step is a 15-minute clarity call. No jargon, no pressure — just a straightforward conversation about where you are in the process and how I can help.
Women across Liverpool, the North West, and the UK choose Her Financial Planning for divorce financial advice that is specialist, empathetic, and built entirely around their financial interests.
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