{"id":1751,"date":"2020-09-03T19:21:16","date_gmt":"2020-09-03T18:21:16","guid":{"rendered":"https:\/\/helpandadvice.co.uk\/?p=1751"},"modified":"2024-01-28T18:57:24","modified_gmt":"2024-01-28T18:57:24","slug":"pension-sharing-order","status":"publish","type":"post","link":"https:\/\/helpandadvice.co.uk\/pension-sharing-order\/","title":{"rendered":"Pension sharing order"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1751\" class=\"elementor elementor-1751\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f37c764 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f37c764\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32d16af5\" data-id=\"32d16af5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7051518b elementor-widget elementor-widget-image\" data-id=\"7051518b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 24-04-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pension-sharing-order.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pension-sharing-order-300x113.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pension-sharing-order-1024x384.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pension-sharing-order-768x288.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pension-sharing-order.jpg\" alt=\"pension sharing order\" height=\"450\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pension-sharing-order.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pension-sharing-order-300x113.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pension-sharing-order-1024x384.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pension-sharing-order-768x288.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-1755 sp-no-webp\" fetchpriority=\"high\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-31fa3156 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31fa3156\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66bcb93c\" data-id=\"66bcb93c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-249bdca3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"249bdca3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4de4f51c\" data-id=\"4de4f51c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a227d5 elementor-widget elementor-widget-text-editor\" data-id=\"7a227d5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 24-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p style=\"text-align: left;\"><strong><span style=\"color: #000000;\">April 2024<\/span><\/strong><\/p><h1 style=\"text-align: center;\">Pension Sharing Order in April 2024<\/h1>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4fc5f95f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4fc5f95f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-56adef1c\" data-id=\"56adef1c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-775ca3b6 elementor-widget elementor-widget-text-editor\" data-id=\"775ca3b6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Pensions and divorce are both tricky, complicated subjects. The end of a relationship is not a convenient time for technical discussions of your pension, and divorce proceedings make everything more complicated.\u00a0<\/p><p>Deciding on the fate of simple assets is hard in a divorce, and pension plans are much more complex than the family home. But dividing up pensions in divorce doesn\u2019t have to be a headache. A pension sharing order can give you a clean break between you and your ex\u2019s finances.\u00a0This article will demystify the process by outlining the rules and cutting through the court-room jargon.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1c0af692 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1c0af692\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4ee8fc30\" data-id=\"4ee8fc30\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-339d9ab1 elementor-widget 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.elementor-toc__list-item{counter-increment:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item-text-wrapper:before{content:counters(item,\".\") \". \"}<\/style>\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTopics that you will find covered on this page\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-154374\" data-id=\"154374\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6216f67a elementor-widget elementor-widget-text-editor\" data-id=\"6216f67a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: #000000;\">You can listen to an audio recording of this page below.<\/span><br \/><iframe class=\"app-ep-iframe\" src=\"https:\/\/play.ht\/embed\/?article_url=https:\/\/play.ht\/drafts\/A0rTnOsV6cNAh2LJIKzXvRMuwrr2\/Tm4ciPZUj&amp;voice=en-GB-Standard-B\" width=\"100%\" height=\"180px\" frameborder=\"0\" scrolling=\"no\" allowfullscreen=\"allowfullscreen\" data-appid=\"r9wnDwODWDqXJvI\"><\/iframe><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section 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class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-17ca9dc2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"17ca9dc2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1a301234\" data-id=\"1a301234\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38812408 elementor-widget elementor-widget-text-editor\" data-id=\"38812408\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><strong>What is a pension sharing order?<\/strong><\/h2><p>A pension sharing order is a court order used to separate two people\u2019s pension assets. They are primarily used in the context of divorce, but also when a\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/what-is-a-civil-partnership\/\">civil partnership<\/a>\u00a0is dissolved.<\/p><p>Pension sharing is important, as retirement savings are often at least as valuable as other marital assets such as a\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/what-is-a-maisonette\/\">house or maisonette.<\/a>. Plus a lot of people depend on their spouse to support them throughout their life.<\/p><p>So without a pension sharing settlement, these people would be left almost entirely without retirement benefits. Pension share legislation was introduced in December 2000 to ensure provision to people in these circumstances.<\/p><p>A pension sharing order may sound severe. But though it is technically a court order, it is a necessary part of even many amicable divorces. This is because unlike with some assets such as the family home, you and your spouse cannot simply make an agreement between the two of you. Pension schemes require a court order to make the necessary changes.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5660c889 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5660c889\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b9571c8\" data-id=\"4b9571c8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4db72b1d elementor-widget elementor-widget-text-editor\" data-id=\"4db72b1d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-29d0ee1d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"29d0ee1d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-531b258e\" data-id=\"531b258e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-34e038e2 elementor-widget elementor-widget-text-editor\" data-id=\"34e038e2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>When and how are pension sharing orders issued?<\/b><\/h2>\n<p>Only a court can issue pension sharing orders. You should discuss pension sharing with your divorce solicitor, as they may have to initiate the process. Less mature couples tend to have more limited pensions set aside. In the majority of such cases a pension sharing order is often not necessary.<\/p>\n<p>In fact, the court might forego the process entirely. Discuss this possibility with your solicitor if you have any burning questions.<\/p>\n<h2><b>How does the process work?<\/b><\/h2>\n<p>It\u2019s good to have a guide to the different steps before we look at them in detail.&nbsp;<\/p>\n<p>Assuming you have begun formal divorce proceedings, first the pension sharing order is issued by the court. Then you and your ex-spouse must submit documents regarding any existing pension arrangement either of you may have.<\/p>\n<p>When you have provided enough information, the court then instructs your pension providers to begin implementation.&nbsp;<\/p>\n<p>At this stage, if the transferee\u2019s pension scheme allows transfers, funds from their partner\u2019s pension will be moved into their plan. Otherwise, a new pension is created in the name of the transferee.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a11496 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a11496\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a002c73\" data-id=\"a002c73\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f87ba4e elementor-widget elementor-widget-text-editor\" data-id=\"f87ba4e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"mv-video-target mv-video-id-vdmkujjf0ajmqy0vjbo8\" data-video-id=\"vdmkujjf0ajmqy0vjbo8\"   data-volume=\"70\"  data-ratio=\"16:9\" ><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-274dc2de elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"274dc2de\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3e1a8e7d\" data-id=\"3e1a8e7d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f28e523 elementor-widget elementor-widget-text-editor\" data-id=\"1f28e523\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>How long does everything take from start to finish?<\/b><\/h2><p>This depends on the nature of your civil partnership dissolution or divorce, and pensions can vary in how complex they are. If your divorce procedure is amicable, you both promptly submit documentation, and your pension providers are similarly punctual, everything could be finished within a handful of weeks.<\/p><p>But there are a number of things that can go wrong and become obstructions. If there is a problem in valuing a\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/defined-benefit-pension\/\">defined benefit pension<\/a>\u00a0or a dispute with a pension provider, the consequences can be messy.<\/p><p>So it could be as long as a few months before the pension sharing order has been fully carried out. If one of you has to create a new pension at the conclusion of the process, this can cause significant delays, so bear this in mind.<\/p><h2><b>How are pensions valued?<\/b><\/h2><p>After a pension sharing order has come into effect, the courts will prepare a valuation of your pension assets, as well as your partner\u2019s. This is then used to ascertain the value of resources to be transferred from one person to the other.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-46c3abaf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46c3abaf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-73a73788\" data-id=\"73a73788\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a7355cf elementor-widget elementor-widget-text-editor\" data-id=\"5a7355cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_mobile_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-133b50e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"133b50e8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e02ea00\" data-id=\"e02ea00\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ef76235 elementor-widget elementor-widget-text-editor\" data-id=\"2ef76235\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>This process of valuations will take into account all your private pension arrangements. This includes every workplace pension scheme you are a part of. If you still have a small pension pot with a previous employer, this must be disclosed. Many are still members of such schemes without even being aware of it, but it is your responsibility to find out.<\/p><p>Valuing\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/defined-contribution-pension\/\">defined contribution pensions<\/a>\u00a0is simple, as it is usually simply a pot of money or bundle of assets, such as stocks and bonds. Valuing a defined benefit pension, such as a final salary scheme, is a more complex process. This is because it represents entitlements rather than existing assets. A Cash Equivalent Value must be calculated for these pensions, and this may come with a fee.<\/p><p>This process will also apply to any\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/sipp-self-invested-personal-pension\/\">personal pensions<\/a>\u00a0you have accrued. So if you have a\u00a0<a href=\"https:\/\/www.moneyadviceservice.org.uk\/en\/articles\/self-invested-personal-pensions\" target=\"_blank\" rel=\"noopener\">Self-Invested Personal Pension<\/a>\u00a0for example, this may be split between you and your ex. (Any asset or investment in your plan will be valued on the basis of its market price.) The same applies to stakeholder pensions.<\/p><p>Even some\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/pension-annuity\/\">annuities<\/a>\u00a0can be subject to a pension sharing order. This does not include Purchased Life Annuities. Nor does it include annuities one possesses as another\u2019s dependent or successor. In such cases, a deceased relative or former partner paid for death benefits, which are now held by one of the parties to the divorce.<\/p><p>State pensions are also subject to a pension sharing order. All retirees have a certain state pension entitlement. This is the basic State Pension, and it is not factored in. But those over a certain age receive an extra payment called the additional State Pension. This is not exempt from pension sharing.<\/p><p>Finally, the courts use all this information to calculate the<a href=\"https:\/\/www.thepensionsregulator.gov.uk\/en\/document-library\/regulatory-guidance\/transfer-values\" target=\"_blank\" rel=\"noopener\">Cash-Equivalent Transfer Value<\/a>of both parties\u2019 pensions.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3b481fcd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3b481fcd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-781c4c50\" data-id=\"781c4c50\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-71745c32 elementor-widget elementor-widget-text-editor\" data-id=\"71745c32\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-653a87d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"653a87d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-01e8f7c\" data-id=\"01e8f7c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e1fb5d elementor-widget elementor-widget-image\" data-id=\"8e1fb5d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pensions-and-divorce.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pensions-and-divorce-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pensions-and-divorce-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pensions-and-divorce-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pensions-and-divorce.jpg\" alt=\"pensions and divorce\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pensions-and-divorce.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pensions-and-divorce-300x75.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pensions-and-divorce-1024x256.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/pensions-and-divorce-768x192.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-1757 sp-no-webp\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-10d56592 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"10d56592\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7deb64f5\" data-id=\"7deb64f5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a336abb elementor-widget elementor-widget-text-editor\" data-id=\"5a336abb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>What is a CETV?<\/b><\/h2><p>A Cash-Equivalent Transfer Value, or CETV, is a way of comparing your assets to those of your ex-partner. If there is a big disparity between the two, part of your pension pot may be transferred to your ex-spouse, or vice versa. To the transferee, this is called a\u00a0<b>pension credit<\/b>. In relation to the transferor, it is called a\u00a0<b>pension debit<\/b>.<\/p><p>If you have a SIPP or are part of a defined contribution scheme, its Cash-Equivalent Transfer Value will simply be its face value. If you are a defined benefit scheme member- if you have a\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/final-salary-pension-transfer\/\">final salary pension<\/a>, for example- calculation of the CETV must be carried out by a professional. It can be fiendishly complicated. Final salary schemes in particular can prove problematic.<\/p><p>This service can be carried out by an Independent Financial Advisor. You might have to seek multiple valuations if the process proves contentious. Naturally, this will result in a higher cost.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-25d6b7c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"25d6b7c6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4a2584c\" data-id=\"4a2584c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b280a3d elementor-widget elementor-widget-text-editor\" data-id=\"2b280a3d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-761549b2 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"761549b2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2aa67dae\" data-id=\"2aa67dae\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-630928d8 elementor-blockquote--skin-quotation elementor-blockquote--align-center elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-blockquote--button-color-official elementor-widget elementor-widget-blockquote\" data-id=\"630928d8\" data-element_type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor-pro - v3.12.2 - 09-04-2023 *\/\n@charset \"UTF-8\";.entry-content blockquote.elementor-blockquote:not(.alignright):not(.alignleft),.entry-summary blockquote.elementor-blockquote{margin-right:0;margin-left:0}.elementor-widget-blockquote blockquote{margin:0;padding:0;outline:0;font-size:100%;vertical-align:baseline;background:transparent;quotes:none;border:0;font-style:normal;color:#3a3f45}.elementor-widget-blockquote blockquote .e-q-footer:after,.elementor-widget-blockquote blockquote .e-q-footer:before,.elementor-widget-blockquote blockquote:after,.elementor-widget-blockquote blockquote:before,.elementor-widget-blockquote blockquote cite:after,.elementor-widget-blockquote blockquote cite:before{content:none}.elementor-blockquote{transition:.3s}.elementor-blockquote__author,.elementor-blockquote__content{margin-bottom:0;font-style:normal}.elementor-blockquote__author{font-weight:700}.elementor-blockquote .e-q-footer{margin-top:12px;display:flex;justify-content:space-between}.elementor-blockquote__tweet-button{display:flex;transition:.3s;color:#1da1f2;align-self:flex-end;line-height:1;position:relative;width:-moz-max-content;width:max-content}.elementor-blockquote__tweet-button:hover{color:#0967a0}.elementor-blockquote__tweet-button span{font-weight:600}.elementor-blockquote__tweet-button i,.elementor-blockquote__tweet-button span{vertical-align:middle}.elementor-blockquote__tweet-button i+span,.elementor-blockquote__tweet-button svg+span{margin-left:.5em}.elementor-blockquote__tweet-button svg{fill:#1da1f2;height:1em;width:1em}.elementor-blockquote__tweet-label{white-space:pre-wrap}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button{padding:.7em 1.2em;border-radius:100em;background-color:#1da1f2;color:#fff;font-size:15px}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:hover,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button:hover{background-color:#0967a0;color:#fff}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:hover:before,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button:hover:before{border-right-color:#0967a0}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button svg,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button svg{fill:#fff;height:1em;width:1em}.elementor-blockquote--button-skin-bubble.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button,.elementor-blockquote--button-skin-classic.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button{padding:0;width:2em;height:2em}.elementor-blockquote--button-skin-bubble.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button i,.elementor-blockquote--button-skin-classic.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button i{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%)}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:before{content:\"\";border:.5em solid transparent;border-right-color:#1da1f2;position:absolute;left:-.8em;top:50%;transform:translateY(-50%) scaleY(.65);transition:.3s}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-left .elementor-blockquote__tweet-button:before{right:auto;left:-.8em;border-right-color:#1da1f2;border-left-color:transparent}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-left .elementor-blockquote__tweet-button:hover:before{border-right-color:#0967a0}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-right .elementor-blockquote__tweet-button:before{left:auto;right:-.8em;border-right-color:transparent;border-left-color:#1da1f2}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-right .elementor-blockquote__tweet-button:hover:before{border-left-color:#0967a0}.elementor-blockquote--skin-boxed .elementor-blockquote{background-color:#f9fafa;padding:30px}.elementor-blockquote--skin-border .elementor-blockquote{border-color:#f9fafa;border-left:7px #f9fafa;border-style:solid;padding-left:20px}.elementor-blockquote--skin-quotation .elementor-blockquote:before{content:\"\u201c\";font-size:100px;color:#f9fafa;font-family:Times New Roman,Times,serif;font-weight:900;line-height:1;display:block;height:.6em}.elementor-blockquote--skin-quotation .elementor-blockquote__content{margin-top:15px}.elementor-blockquote--align-left .elementor-blockquote__content{text-align:left}.elementor-blockquote--align-left .elementor-blockquote .e-q-footer{flex-direction:row}.elementor-blockquote--align-right .elementor-blockquote__content{text-align:right}.elementor-blockquote--align-right .elementor-blockquote .e-q-footer{flex-direction:row-reverse}.elementor-blockquote--align-center .elementor-blockquote{text-align:center}.elementor-blockquote--align-center .elementor-blockquote .e-q-footer,.elementor-blockquote--align-center .elementor-blockquote__author{display:block}.elementor-blockquote--align-center .elementor-blockquote__tweet-button{margin-right:auto;margin-left:auto}<\/style>\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t\"After a pension sharing order has come into effect, the courts will prepare a valuation of your pension assets, as well as your partner\u2019s. This is then used to ascertain the value of resources to be transferred from one person to the other.\"\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Help & Advice<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?text=%22After+a+pension+sharing+order+has+come+into+effect%2C+the+courts+will+prepare+a+valuation+of+your+pension+assets%2C+as+well+as+your+partner%E2%80%99s.+This+is+then+used+to+ascertain+the+value+of+resources+to+be+transferred+from+one+person+to+the+other.%22+%E2%80%94+Help+&amp;Advice&amp;url=https%3A%2F%2Fhelpandadvice.co.uk%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1751\" class=\"elementor-blockquote__tweet-button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-blockquote__tweet-label\">Tweet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-339c3af\" data-id=\"339c3af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b97ca9f elementor-widget elementor-widget-text-editor\" data-id=\"4b97ca9f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Can you share a pension in payment?<\/b><\/h2><p>The simple answer is yes. Pension sharing orders apply even if you are already withdrawing funds from your pension plan. If your pension is a defined benefit or defined contribution scheme, the process is simple. Valuation and implementation proceeds much as it would normally.<\/p><p>Pension sharing is slightly more complicated when the transferring party owns an annuity and is drawing an income. In this situation, the annuity must be \u2018unbought\u2019 and there is a recalculation of the income that the owner will receive. Some types of annuity are exempt from the pension sharing process, though.<\/p><h2><b>Is the pension valuation process the same across the UK?<\/b><\/h2><p>There is variation in some aspects of divorce law between Scotland and the rest of the UK.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0ad5b9a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ad5b9a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-becbb1c\" data-id=\"becbb1c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f52336 elementor-widget elementor-widget-image\" data-id=\"8f52336\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/divorce-and-pension.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/divorce-and-pension-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/divorce-and-pension-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/divorce-and-pension-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/divorce-and-pension.jpg\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/divorce-and-pension.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/divorce-and-pension-300x75.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/divorce-and-pension-1024x256.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/divorce-and-pension-768x192.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-1758 sp-no-webp\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30ede7c7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30ede7c7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5961e654\" data-id=\"5961e654\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-418f6def elementor-widget elementor-widget-text-editor\" data-id=\"418f6def\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7d2656f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d2656f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ceb6de7\" data-id=\"2ceb6de7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-25d2ae46 elementor-widget elementor-widget-text-editor\" data-id=\"25d2ae46\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you divorce through Scottish law courts, your pension will be subject to a different valuation method. Pension assets predating the marriage are not taken into account, unlike in English, Welsh and Northern Irish courts. The same goes for any pension assets accumulated after the divorce process has begun.<\/p><p>So if you have a big pension pot that you built up before getting married, the pension sharing order will not apply. This means that one\u2019s CETV is generally lower in Scotland than it otherwise would be.<\/p><h2><b>How are pensions divided in divorce?<\/b><\/h2><p>At this stage a pension attachment order may be issued. This depends on whether a decree of judicial separation has already been issued<\/p><p>What happens next depends on what sort of pension scheme the transferee is currently a part of. The process is simple if the transferee has a personal pension. If they have a Self-Invested Personal Pension, for example, a percentage of their ex spouse\u2019s pension fund is transferred into their plan.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5e44d2b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e44d2b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8182f99\" data-id=\"8182f99\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2faef357 elementor-widget elementor-widget-text-editor\" data-id=\"2faef357\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_mobile_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8b28e95 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8b28e95\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5423aa14\" data-id=\"5423aa14\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49eebf4a elementor-widget elementor-widget-text-editor\" data-id=\"49eebf4a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>This is known as pension earmarking. In the context of a divorce, you can usually transfer a lump sum amount into a defined contribution pension too.<\/p><p>This has its benefits, as it represents a simple clean break. But some pension schemes cannot receive these transfers. Some defined benefit pensions, for example, determine your pension income based solely on your salary and career duration. In such cases, the recipient has two other options: they may join their ex-spouse\u2019s scheme or set up a new pension.<\/p><p>If the recipient decides they want to join their ex-partner\u2019s pension scheme, the pension provider will simply split off part of their ex\u2019s pension pot. The pension company will continue to manage this money, but it will be in the recipient\u2019s name.<\/p><p>The recipient has the right to choose what happens to their pension credit. So, even if their pension provider allows pension sharing, they can still choose to place their pension credit in a new plan.<\/p><h2><b>How can I get a new pension?<\/b><\/h2><p>When setting up a new pension, you have a few options. You can open a Self-Invested Personal Pension. These give you full autonomy to manage and invest your pension pot as you see fit. You decide the level of contributions and make investments by yourself. SIPPs are a great option for those with flexibility and the expertise to know what\u2019s best.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-59c878e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"59c878e8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1484d264\" data-id=\"1484d264\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-613f8b31 elementor-widget elementor-widget-text-editor\" data-id=\"613f8b31\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_mobile_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-395b9d81 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"395b9d81\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b49c816\" data-id=\"4b49c816\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7bd5fa24 elementor-widget elementor-widget-text-editor\" data-id=\"7bd5fa24\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>There are other ways to set up a new retirement plan if this doesn\u2019t sound like the right choice for you. You may benefit from purchasing an annuity, for example. There are costs and benefits to all pension options.<\/p><p>If you don\u2019t feel confident making the decision on your own, an Independent Financial Adviser can be an invaluable source of guidance. Financial advisers know how the whole system works, so their advice can help you get through the pension sharing process with no stress.<\/p><h2><b>How long does it take to finalise the pension sharing arrangement?<\/b><\/h2><p>The process is finalised through the transfer of documentation from the courts to the pension scheme administrator. In Scotland, this must be carried out within a window of 2 months from the beginning of the divorce process. There are measures by which this period can be extended.<\/p><p>The pension provider is then obliged to carry out any transfers mandated by the courts within a 4-month period. The company has an opportunity to appeal the decision within three weeks, but after that it is bound to carry it out.<\/p><p>These time-limits begin upon receipt of the relevant documentation. Failure to implement pension sharing order is a serious problem and may render the pension company legally liable.<\/p><p>After the process has been finalised, it is a statutory requirement that the parties are informed within 21 days.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-620d5fcc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"620d5fcc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-193d2a2a\" data-id=\"193d2a2a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c47f28c elementor-widget elementor-widget-text-editor\" data-id=\"3c47f28c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_mobile_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-47083e97 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47083e97\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1cb219cc\" data-id=\"1cb219cc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dd88b79 elementor-widget elementor-widget-text-editor\" data-id=\"dd88b79\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>What happens if there is a mistake in the pension sharing process?<\/b><\/h2><p>Sometimes something goes wrong and pension sharing doesn\u2019t turn out the way you expected. Perhaps, for example, you ended up being allocated a much smaller amount than you expected. Or maybe you think your spouse failed to report all their pension assets. There are various ways to rectify these situations, so do not panic.<\/p><p>You should speak to your solicitor if you think they failed to adequately represent your pension rights on divorce. They may be able to solve the problem, and if it arose due to their own mistake, you might not be charged.<\/p><p>If your solicitors failed to properly represent your claims in the pension sharing process and cannot rectify the situation, you may be able to take them to court on negligence charges. You could win compensation, so it is a good idea to take your grievance to court.<\/p><h2><b>How does pension sharing impact my Lifetime Allowance?<\/b><\/h2><p>As you may already know, there is a limit to how much you can have in your pension pot. Over this threshold, you will not be able to benefit from the various tax advantages that pension schemes provide. This is called the Lifetime Allowance.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3f474832 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3f474832\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2743d1ab\" data-id=\"2743d1ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5fb6deb1 elementor-widget elementor-widget-text-editor\" data-id=\"5fb6deb1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-285c25a3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"285c25a3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48e86c4a\" data-id=\"48e86c4a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-658cef1a elementor-widget elementor-widget-text-editor\" data-id=\"658cef1a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Until 2009, you could apply for a larger\u00a0<a href=\"https:\/\/www.gov.uk\/tax-on-your-private-pension\/lifetime-allowance\" target=\"_blank\" rel=\"noopener\">Lifetime Allowance<\/a>\u00a0so the division of pensions on divorce would not push you over the limit. But this is no longer the case. Any pension credit you receive is added to the rest of your retirement <a class=\"wpil_keyword_link\" href=\"https:\/\/helpandadvice.co.uk\/how-much-savings-can-i-have-on-housing-benefit\/\" title=\"savings\" data-wpil-keyword-link=\"linked\">savings<\/a> for the purposes of the Lifetime Allowance. A pension sharing order does not come with tax exemption.<\/p><p>At the same time, if you have to transfer a pension debit to your ex-partner, this reduces the value of your pension pot. So you could have more of your Lifetime Allowance spare following your divorce.<\/p><h2><b>Does a pension sharing order affect one&#8217;s retirement age?<\/b><\/h2><p>The answer to this question is a simple no. One&#8217;s pension age remains the same following divorce. One cannot start drawing on pension benefits just because one has benefited from a transfer.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3b32976d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3b32976d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-28cfaaf\" data-id=\"28cfaaf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-870438c elementor-widget elementor-widget-text-editor\" data-id=\"870438c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-10be49b5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"10be49b5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6572634b\" data-id=\"6572634b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-42aecd7b elementor-widget elementor-widget-image\" data-id=\"42aecd7b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/we-can-help.webp 803w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/we-can-help-300x64.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/we-can-help-768x165.webp 768w\"sizes=\"(max-width: 803px) 100vw, 803px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/we-can-help.png\" height=\"172\" width=\"803\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/we-can-help.png 803w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/we-can-help-300x64.png 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/we-can-help-768x165.png 768w\" sizes=\"(max-width: 803px) 100vw, 803px\" class=\"attachment-large size-large wp-image-14610 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-25799324 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"25799324\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d435f46\" data-id=\"d435f46\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f46c18c elementor-widget elementor-widget-text-editor\" data-id=\"6f46c18c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2 style=\"text-align: center;\"><span style=\"color: #000000;\">Would you like some help with a pension sharing order?<\/span><\/h2><h2 style=\"text-align: center;\"><span style=\"color: #000000;\">Slater and Gordon&#8217;s experienced divorce and family lawyers have the empathy and the expertise you need.<\/span><\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9b679fa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9b679fa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-69090f1\" data-id=\"69090f1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e56ada2 elementor-widget elementor-widget-text-editor\" data-id=\"e56ada2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Slater and Gordon are regarded as the UK&#8217;s leading divorce and family law solicitors.\u00a0 They will be able to help you.<\/p><p>You can contact Slater &amp; Gordon in one of 2 ways:<\/p><ul><li><strong>Option 1<\/strong> &#8211; Call directly on <a href=\"tel:03335671610\"><strong><u>0333 567 1610\u00a0<\/u><\/strong><\/a><\/li><li><strong>Option 2<\/strong> &#8211; Leave your contact details and Slater and Gordon get in touch with you<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a50b85c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a50b85c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4bd8929\" data-id=\"4bd8929\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-538ed37 elementor-widget elementor-widget-image\" data-id=\"538ed37\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/option-1-2.webp 500w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/option-1-2-300x120.webp 300w\"sizes=\"(max-width: 500px) 100vw, 500px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/option-1-2.png\" height=\"200\" width=\"500\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/option-1-2.png 500w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/option-1-2-300x120.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" class=\"attachment-full size-full wp-image-14611 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a24e9d7\" data-id=\"a24e9d7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f19b71 elementor-widget elementor-widget-image\" data-id=\"7f19b71\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/option-1-3.webp 500w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/option-1-3-300x120.webp 300w\"sizes=\"(max-width: 500px) 100vw, 500px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/option-1-3.png\" height=\"200\" width=\"500\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/option-1-3.png 500w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/01\/option-1-3-300x120.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" class=\"attachment-large size-large wp-image-14613 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-23bca53 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"23bca53\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9d3894f\" data-id=\"9d3894f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-442559f elementor-widget elementor-widget-text-editor\" data-id=\"442559f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4 style=\"text-align: center;\"><span style=\"color: #000000;\">You can call directly between Monday and Friday 9am &#8211; 5pm on<\/span><\/h4><h3 style=\"text-align: center;\"><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"tel:03335671610\"><span style=\"text-decoration: underline;\">Tel: 0333 567 1610\u00a0<\/span><\/a><\/span><\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c1e6cc3\" data-id=\"c1e6cc3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1674912 elementor-widget elementor-widget-text-editor\" data-id=\"1674912\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4 style=\"text-align: center;\"><span style=\"color: #000000;\">You can arrange a call back from a divorce and family law specialist.<\/span><\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26da79e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"26da79e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/tidd.ly\/3ooxura\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Click here to arrange a call back<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-36717369 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"36717369\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5d815697\" data-id=\"5d815697\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f600b8f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f600b8f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-10a58ac\" data-id=\"10a58ac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8b2796d elementor-widget elementor-widget-text-editor\" data-id=\"8b2796d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4>Article author<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3454335 elementor-widget elementor-widget-image\" data-id=\"3454335\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2-300x300.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2-150x150.webp 150w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2-768x768.webp 768w\"sizes=\"(max-width: 1024px) 100vw, 1024px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2.jpeg\" height=\"1024\" width=\"1024\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2.jpeg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2-300x300.jpeg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2-150x150.jpeg 150w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2-768x768.jpeg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" class=\"attachment-large size-large wp-image-12734 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1072c55\" data-id=\"1072c55\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-413eae7 elementor-widget elementor-widget-text-editor\" data-id=\"413eae7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3>James Lloyd<\/h3>\n<p>I am the primary writer and author for Help and Advice, having originally helped start the site because I recognised that there was a need for easy to read, free and comprehensive information on the web.&nbsp;I have been able to use my background in finance and digital marketing to produce a number of articles for the site, which I hope are informative and give you the answers you need.<\/p>\n<p>Outside of work I am a keen rugby player and used to play up to a semi-professional level before the years of injury finally took their toll.&nbsp; Now you are more likely to see me in the clubhouse enjoying the game.<\/p>\n<p><strong>Email<\/strong>&nbsp;&#8211;&nbsp;<a href=\"mailto:james@helpandadvice.co.uk\">james@helpandadvice.co.uk<\/a><\/p>\n<p><strong>Linked in<\/strong>&nbsp;&#8211;&nbsp;<a href=\"https:\/\/www.linkedin.com\/in\/james-lloyd-91b8711ba\/\" target=\"_blank\" rel=\"noopener\">Connect with me<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-02ba546 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"02ba546\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6bd6917\" data-id=\"6bd6917\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-135158f elementor-widget elementor-widget-text-editor\" data-id=\"135158f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-41e6207\" data-id=\"41e6207\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65655a6 elementor-widget elementor-widget-text-editor\" data-id=\"65655a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1b768c7\" data-id=\"1b768c7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16d610d elementor-widget elementor-widget-text-editor\" data-id=\"16d610d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5df8903 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5df8903\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-73019f4\" data-id=\"73019f4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-53b90c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"53b90c8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-87bdf10\" data-id=\"87bdf10\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db90541 elementor-widget elementor-widget-text-editor\" data-id=\"db90541\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3 style=\"text-align: center;\">Frequently Asked Questions<\/h3><h4><b>When and how are pension sharing orders issued?<\/b><\/h4><p>Only a court can issue pension sharing orders. You should discuss pension sharing with your divorce solicitor, as they may have to initiate the process. Less mature couples tend to have more limited pensions set aside. In the majority of such cases a pension sharing order is often not necessary.<\/p><h4><b>How long does everything take from start to finish?<\/b><\/h4><p>This depends on the nature of your civil partnership dissolution or divorce, and pensions can vary in how complex they are. If your divorce procedure is amicable, you both promptly submit documentation, and your pension providers are similarly punctual, everything could be finished within a handful of weeks.<\/p><h4><b>How are pensions valued?<\/b><\/h4><p>After a pension sharing order has come into effect, the courts will prepare a valuation of your pension assets, as well as your partner\u2019s. This is then used to ascertain the value of resources to be transferred from one person to the other.<\/p><h4><b>What is a CETV?<\/b><\/h4><p>A Cash-Equivalent Transfer Value, or CETV, is a way of comparing your assets to those of your ex-partner. If there is a big disparity between the two, part of your pension pot may be transferred to your ex-spouse, or vice versa. To the transferee, this is called a\u00a0<b>pension credit<\/b>. In relation to the transferor, it is called a\u00a0<b>pension debit<\/b>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b60335d\" data-id=\"b60335d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e646471 elementor-widget elementor-widget-text-editor\" data-id=\"e646471\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e8aa126 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e8aa126\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3094adc\" data-id=\"3094adc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ced8442 elementor-widget elementor-widget-elementor-faq-schema\" data-id=\"ced8442\" data-element_type=\"widget\" data-widget_type=\"elementor-faq-schema.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t                                    <script type=\"application\/ld+json\">\n                    {\n                        \"@context\": \"https:\/\/schema.org\",\n                        \"@type\": \"FAQPage\",\n                        \"mainEntity\": [\n                         {\n                            \"@type\": \"Question\",\n                            \"name\": \"- When and how are pension sharing orders issued?\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;Only a court can issue pension sharing orders. You should discuss pension sharing with your divorce solicitor, as they may have to initiate the process. Less mature couples tend to have more limited pensions set aside. In the majority of such cases a pension sharing order is often not necessary.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/pension-sharing-order\/&quot;&gt;&lt;strong&gt;&gt; CLICK HERE FOR MORE INFORMATION &lt;&lt;\/strong&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- How long does everything take from start to finish?\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;This depends on the nature of your civil partnership dissolution or divorce, and pensions can vary in how complex they are. If your divorce procedure is amicable, you both promptly submit documentation, and your pension providers are similarly punctual, everything could be finished within a handful of weeks.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/pension-sharing-order\/&quot;&gt;&lt;strong&gt;&gt; CLICK HERE FOR MORE INFORMATION &lt;&lt;\/strong&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- How are pensions valued?\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;After a pension sharing order has come into effect, the courts will prepare a valuation of your pension assets, as well as your partner\u2019s. This is then used to ascertain the value of resources to be transferred from one person to the other.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/pension-sharing-order\/&quot;&gt;&lt;strong&gt;&gt; CLICK HERE FOR MORE INFORMATION &lt;&lt;\/strong&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- What is a CETV?\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;A Cash-Equivalent Transfer Value, or CETV, is a way of comparing your assets to those of your ex-partner. If there is a big disparity between the two, part of your pension pot may be transferred to your ex-spouse, or vice versa. To the transferee, this is called a pension credit. In relation to the transferor, it is called a pension debit.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/pension-sharing-order\/&quot;&gt;&lt;strong&gt;&gt; CLICK HERE FOR MORE INFORMATION &lt;&lt;\/strong&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    }\n                    ]\n                    }\n                <\/script>\n                    \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b9485c3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b9485c3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2543ba5\" data-id=\"2543ba5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dffab88 elementor-widget elementor-widget-text-editor\" data-id=\"dffab88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-83236cf\" data-id=\"83236cf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-42279a3 elementor-widget elementor-widget-text-editor\" data-id=\"42279a3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-68f6415\" data-id=\"68f6415\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2c88360 elementor-widget elementor-widget-text-editor\" data-id=\"2c88360\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b151ebb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b151ebb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6f25c66c\" data-id=\"6f25c66c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74118d77 elementor-widget elementor-widget-text-editor\" data-id=\"74118d77\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4>Share this page<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-325c1e6d elementor-share-buttons--view-icon elementor-share-buttons--shape-circle elementor-share-buttons--align-left elementor-share-buttons--color-custom 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245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_twitter\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on twitter\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_email\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on email\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_linkedin\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on linkedin\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pension Sharing Order in Pensions and divorce are both tricky, complicated subjects. The end of a relationship is not a convenient time for technical discussions of your pension, and divorce proceedings make everything more complicated.\u00a0 Deciding on the fate of simple assets is hard in a divorce, and pension plans are much more complex than [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/1751"}],"collection":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/comments?post=1751"}],"version-history":[{"count":37,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/1751\/revisions"}],"predecessor-version":[{"id":44690,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/1751\/revisions\/44690"}],"wp:attachment":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/media?parent=1751"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/categories?post=1751"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/tags?post=1751"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}