Divorce financial settlement

How to be sure you have negotiated the right divorce financial settlement

We helped a woman to establish the amount of assets and income she would need in her divorce financial settlement, so that she would be sure of a secure future once the legal formalities were over.

“Thanks to Woodruff Financial Planning I am now much better informed and considerably more relaxed about my future. They are very approachable, very knowledgeable and ensured that we were fully informed at all times during the process.”
Financial Planning client


The client was getting divorced from her husband and had sought advice from a family solicitor. Her husband held the majority of the family assets and was putting pressure on her to leave the relationship with less money than she felt she needed. The solicitor approached us to complete a financial plan to establish exactly how much the wife would need to be able to remain financially secure after the divorce.


Advice needed

The solicitor needed us to provide support with their negotiations over the right level of financial settlement for the divorce. The solicitor had already given the client an indication of her entitlement under normal rules, but the other side was being heavy-handed and refusing to consider capital passing to the wife. The client was reticent to go to Court for a resolution since the husband was putting pressure on her via other family members.

How much is enough?

The client needed advice on how much capital she required to maintain financial security after the divorce.

Our approach

Financial planning

We worked with the client to build a financial plan based on cautious assumptions about her current position so that she could establish how much capital would be required to secure her financial future. This allowed us to demonstrate to her the amount of capital or income that she would need in the divorce settlement to maintain her standard of living. The solicitor was then able to use this data in the negotiations to demonstrate the wife’s need for capital.

Calculated how much she needed

We showed her the amount needed to secure her desired future lifestyle. This gave her peace of mind that she had enough assets and income to fund her future needs. This also helped to build her confidence that the amount she was asking for was not unreasonable.

Easy to understand position

Her plan meant she could easily understand her options. This allowed us to examine some scenarios and to explore ways that she could improve her position.

Investment plan

We created an investment plan to generate a tax-efficient future income whilst taking the least risk necessary to achieve this.

Outcomes and Impact

Separate finances

The client was able to feel secure in her financial future at a very difficult personal time. She was able to separate her finances from her former spouse and move on with her life.

Taking decisions

We helped her to make important decisions about her future income and her financial needs.

Secure investments

We helped her to arrange her investments so that she could achieve a secure retirement. All this was done with a focus on taking very low risk while maintaining her future lifestyle needs.

Continuing Support

Each year we revise her financial plan so that we can react to any changes and re-assess whether she remains on target to meet her long-term goal of security.

We also examine her investment portfolio and aim to keep it on track towards its goals while taking the least risk needed to do so.