6 types of clients you can introduce to True Divorce Consultancy

As a divorce solicitor, you play a vital role in helping clients navigate one of life’s most difficult transitions.

However, separations can involve complex finances, especially for affluent clients who have extensive assets, such as global investments and substantial pensions. That’s where specialist financial advice can be invaluable.

By working closely together, we can provide the support your divorcing female clients need to explore their options and enter settlement negotiations with confidence.

Keep reading to find out who to introduce to True Divorce Consultancy and when a referral might be most beneficial to you and your clients. This understanding could streamline the divorce process and facilitate better outcomes for everyone involved.

6 types of divorcing female clients who benefit from True Divorce Consultancy

Every woman’s financial circumstances are unique, but some clear signs suggest specialised financial guidance could make a real difference.

Six types of clients who particularly benefit from an introduction to True Divorce Consultancy are women who:

1. Were not the financial decision-maker in the marriage

Some of your divorcing female clients may be accustomed to their former civil partner or spouse taking control of their joint finances.

This could leave them feeling overwhelmed and lacking confidence during the divorce process because they’re suddenly faced with complex financial choices they have little experience managing. For example, they might feel anxious about understanding shared assets and managing their pensions.

2. Want clarity on what they need financially from a settlement

For many women, divorce results in a significant change in financial circumstances. For example, many of your female divorcing clients may have to adapt from a dual-income household to managing on their earnings alone.

Understanding their post-divorce financial needs (both ongoing and capital) could help women make informed decisions about different settlement proposals. Indeed, this is the foundation of negotiations and a crucial step towards maintaining financial stability and independence for the rest of their lives.

If a settlement does not allow your clients to cover their monthly outgoings, every decision built on top of this arrangement is likely to be unstable.

3. Have complex financial arrangements

Some of your clients, especially high net worth women, may have complex financial arrangements, such as business interests, multiple properties in the UK and abroad, or defined benefit pensions.

Without appropriate financial advice, they may misunderstand the true value of different assets or make decisions based on emotions rather than data.

Read more: How working with a financial expert could help your high net worth clients navigate divorce

4. Are approaching retirement

For divorcing women who are nearing their chosen retirement age, shared pensions are often the largest asset, and mistakes can be very difficult to unwind.

Indeed, how pensions and assets are distributed at this stage could dramatically reshape your clients’ income and lifestyle for the rest of their lives.

5. Feel pressured to settle quickly

Some women may be more financially vulnerable than their partners, which could raise concerns about the cost of prolonging the process. Equally, they may be under pressure from their former spouse or partner to reach an agreement, or they might be eager to achieve a clean break and move on.

Whatever the cause of such pressure, rushing a settlement agreement may increase the risk that your clients will agree to an arrangement without fully understanding the long-term implications.

6. Are outwardly confident but need help assessing potential settlements

I see many professionally capable women who appear confident about what they want from their divorce, but they haven’t stress-tested their proposed settlement against their long-term income and capital needs. This could lead to an unfair agreement that jeopardises their financial security.

In contrast, I can use cashflow modelling to show your clients how different settlements could affect their wealth over the short, medium and long term. This could help them make informed decisions and avoid costly mistakes.

Read more: Who we help – Supporting during divorce

When a referral may be most beneficial to you and your clients

Ensuring that your clients receive financial advice or guidance when they need it most could help them make well-informed decisions and avoid costly mistakes.

Having worked in financial services since 2011, specialising in supporting divorcing women, I’ve seen how the right financial guidance at the right moment can smooth the process and significantly improve outcomes.

Here are a few points in the divorce process when a referral to True Divorce Consultancy could be most valuable for you and your female clients:

• Before the financial statement (Form E) is finalised – To ensure they include all relevant assets, income, and liabilities, and present them in a way that supports their long-term needs. Also, to identify any potential gaps or risks in their disclosure.
• When pensions have been disclosed but not yet analysed – To help them understand what pension values mean for their long-term income and retirement security, and to avoid accepting a settlement that leads to financial vulnerability later in life.
• When considering potential settlement scenarios – To analyse the data, explore different options, and provide clear evidence of what is needed to meet their short- and long-term financial needs.
• When a settlement proposal has been made but needs structured testing – To stress-test proposed financial arrangements against real-world needs and long-term security. This can help clients compare trade-offs (such as keeping the house or the pension) and make evidence-based decisions.
• During mediation, where the numbers feel unclear – To translate vague numbers into real-life budgets, tax implications, and so on, allowing your clients to make an informed decision about whether a proposal is fair and sustainable.
• When a client expresses fear or uncertainty about long-term affordability – To provide a clear picture of how a proposed settlement might cover housing, living, and retirement costs over time, using cashflow modelling.

How working with True Divorce Consultancy could benefit your practice

Knowing who to refer for financial advice and when may not only improve financial outcomes for your client, but it could also strengthen your role as their trusted legal adviser.

Here are a few important ways working together could benefit you:

• Introducing financial clarity early can support full disclosure
• Presenting your clients with data and evidence reduces emotional decision-making
• Improving your clients’ knowledge and confidence can streamline negotiations
• Building a settlement that’s grounded in numbers and realistic expectations could minimise the risk of future disputes.

Ultimately, signposting reliable and empathetic financial advice when it’s needed most leads to calmer, more informed clients, which benefits everyone involved.

Get in touch

If you’d like to learn more about the services I offer and how I can support your female clients throughout the divorce process, I’d love to hear from you.

To find out more, please get in touch by email at lottie@truefinancialdesign.co.uk or call 03300 889138.

Please note

This article is for general information only and does not constitute advice. The information is aimed at retail clients only.

All information is correct at the time of writing and is subject to change in the future.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Past performance is not a reliable indicator of future performance. 

The tax implications of pension withdrawals will be based on your clients’ individual circumstances. Thresholds, percentage rates, and tax legislation may change in subsequent Finance Acts.