Introduction
Navigating significant change
Divorce is a time of significant change, and it’s completely natural to have questions about the financial side of things. Whether you’re navigating new money matters or adjusting to a different financial landscape, we’re here to guide you.
We believe that seeking financial advice early in your divorce journey can help you make informed decisions throughout the process and about your future. At Paradigm Norton, we will walk alongside you at your pace, help you gain clarity, and build confidence in each decision as you plan for your future.
How we help
Divorce Financial Planning
What Does Divorce Financial Planning Involve?
We start by getting to know your goals and priorities, then build a clear picture of your income, spending, assets, and liabilities. Together, we explore different scenarios, from housing changes to career or childcare shifts, so you can see how each choice may shape your future.
We also think ahead with you, considering contingency funds and protection options to help you feel supported and prepared. Finally, we bring everything together into an implementation plan covering your accounts, investments, and regular reviews, keeping your financial future secure and adaptable as life moves forward.
How Can Divorce Financial Planning Make a Difference?
Divorce often feels overwhelming, but financial planning turns uncertainty into clarity. By modelling settlement options and future scenarios, you can see what is sustainable and what trade-offs may be needed. This helps reduce stress and avoid costly mistakes, such as overlooking tax implications or underestimating living costs.
It also allows you to prioritise what matters most, whether that is maintaining stability for children, securing housing, or planning for retirement. With a clear roadmap and ongoing support, you can move forward confidently, knowing your decisions align with your long-term wellbeing.
Is This Support Right for You?
If your financial situation has changed significantly or feels unfamiliar, our approach is designed for you. Many people going through divorce find themselves managing money alone for the first time or facing new responsibilities such as budgeting, investing, or planning for future income.
We provide empathetic guidance and practical education so you feel informed and empowered. Whether you are starting negotiations, reviewing settlement options, or implementing agreements, we will meet you where you are and help you build a plan that reflects your life, values, and goals for the future.
We can help with:
We pride ourselves on our holistic planning approach that aligns money with your life.
Together we can create a long-term, values aligned investing strategy that supports your plan.
Often overlooked, we can update wills, LPAs, beneficiary nominations, and legacy intentions.
Integrating decisions with efficient use of allowances and wrappers.*
- Purposeful Philanthropy Planning
We’ll craft a meaningful family giving strategy with you, ensuring your wealth creates a lasting positive impact in line with your personal values.
Still have questions or want to know more?
How it works
What Are the Key Steps in Divorce Financial Planning Services?
- We walk alongside you
We provide a compassionate, trauma-aware approach that recognises vulnerability and prioritises your wellbeing. We move at a pace that feels safe and manageable.
- Help you build clarity with cashflow modelling
We map current and future income, expenses, assets, and liabilities, testing scenarios such as new housing costs, school fees, or career changes so you can see what is sustainable and what trade-offs are involved.
- Aim to educate and empower
Provide practical coaching on the essentials such as budgeting, how your money works, tax wrappers, and investment basics. The goal is confidence and control.
- Scenario planning for settlements
Model scenarios for receiving or paying maintenance (including reliability risk), pension sharing orders, and asset splits. Understand how decisions affect today’s spending and tomorrow’s security.
- We review what people often overlook
We’ll look at wills, Lasting Powers of Attorney, beneficiary nominations, and protection needs where your plan depends on receiving or paying maintenance.
- We coordinate with your professional team
We complement the work of your solicitor or mediator and any pensions expert, helping translate recommendations into a long term, workable financial plan.
- Set up post settlement implementation
We’ll set up accounts and investments aligned to your values, organise cash reserves, and establish an ongoing review rhythm so your plan adapts as life evolves.
*Investing places your capital at risk and the values of investments can go down as well as up. Cashflow and Tax Planning are not regulated by the Financial Conduct Authority.
Ready to talk about the future?
We are here to support you. Reach out today to start building a clearer, more secure financial future before, during or after divorce.
Values
Why choose Paradigm Norton?
With an experienced team who are dedicated to providing the highest level of service, you’re in safe hands.
When you work with us, we take the time to understand your goals and priorities, ensuring every investment decision is made with clarity, confidence and purpose.
As one of the largest independent financial planning companies in England, serving more than 1,000 clients, we’re not just Chartered Financial Planners… we’re tried and tested financial partners.
Money matters, but life matters more. Our motto bleeds into everything that we do, from connecting you to responsible investment strategies to enabling you to build a brighter future, with a lighter footprint.
As a Certified B Corporation®, we balance profit with purpose, people and the environment.
Team
Meet our experts
Talk to us today to discover the possibilities that come with divorce financial planning.
Hannah Nolan
Senior Financial Planner
Tom Desborough
Client Manager
Simon Livings
Client Manager
Richard Gray
Client Director
Farida Hassanali
Client Manager
Mia Smith
Senior Financial Planner
Tommy Watson
Regional Director
Katie Wright
Senior Financial Planner
David Burridge
Regional Director
Paul Cardinal
Client Manager
Chelsea Holmes
Client Manager
Lee Dunn
Client Director/Head of Investments
Matt Goddard
Client Manager
Paul Hardinges
Client Manager
Caroline Leech
Client Manager
Daniel Limb
Client Manager
Sally Matthews
Client Manager
Rohan Patel
Client Manager
William Pratt
Client Director
Tracey Reed
Regional Director
Read
Brochure
Free financial planning resources
Helpful tools and guides to start planning your financial future with confidence.
Questions
Financial Planning During Divorce FAQs
Have a question about divorce financial planning? Our experienced team have put together some insightful guidance below:
When should I speak to a financial planner during a divorce?
Whenever you’re ready, but early on can often bring more clarity. We can help you feel prepared before discussions start, support you through negotiations, and bring everything together once your settlement is agreed. Our focus is to ease anxiety, simplify the decisions ahead, and help you move forward with confidence.
I am not confident with money matters. Can you help me understand the basics?
Absolutely, that’s exactly what we’re here for. We believe that feeling in control of your finances is an important part of living the life you want. We take the time to explain things like budgeting, cashflow, tax wrappers, saving and investing in a way that feels clear, calm and completely jargon‑free. Every conversation ends with simple, practical next steps, and over time, our aim is that you feel more confident, more informed, and more empowered in every financial decision you make.
How do your fees work?
We begin with a discovery meeting at our cost, giving you the space to talk things through without any pressure. If you decide to move forward, we’ll agree the scope and the fee together in writing before any work begins. Our planning fees are transparent and reflect the work required. If you’d like us to manage investments, ongoing fees are simply a percentage of the assets we look after. Everything is straightforward, with no surprises, and you remain in control throughout.
My plan depends on maintenance payments. How do you manage that risk?
Together, we’ll explore different scenarios, how reliable the payments might be, when they’re likely to arrive, and how the amounts could change. We also build sensible cash reserves so you have a buffer, and we’ll talk through protection options, like life or critical illness cover, if they feel appropriate for your situation. Most importantly, we plan for the “what ifs”, so that if payments reduce or stop, your essential spending stays secure and you still feel in control of your next steps.
Do you offer divorce counselling or PODE reports?
No, we do not provide divorce counselling and we do not produce Pension On Divorce Expert (PODE) reports. If a PODE is required, we will work alongside your solicitor and their chosen pensions expert. Our role is to explain the financial implications and help you turn recommendations into a workable plan.
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