Splitting Pensions in Divorce or Dissolution

Secure Your Future with Clarity, Fairness, and Support

When relationships end, it’s not just about dividing a home or shared savings, pensions can be one of the most valuable assets in a marriage or civil partnership, often even more so than property. Yet they’re frequently overlooked or misunderstood during divorce or dissolution.

At Macks Solicitors, we’re here to change that. With empathy, experience, and a commitment to fairness, our expert family law team will help you navigate the complex world of pension division, so you can move forward with security and peace of mind.

Free Initial Discussion

For a free initial discussion, call our specialist family team today on 01642 843 671 or use our contact form and we will call you back.

Why Pensions Matter in Divorce

Pensions are often built over decades and can play a huge role in your financial wellbeing after retirement. Whether it’s a:

• Workplace pension
• Personal or self-invested pension (SIPP)
• Public sector, police, or armed forces scheme
• One partner’s sole source of retirement income

…it needs to be taken seriously.

If one partner has significantly more pension savings, the law allows for a fair financial settlement to ensure neither party is left disadvantaged.

How Are Pensions Divided in Divorce?

There are three main ways pensions can be dealt with during separation:

Pension Sharing Order

A percentage of one person’s pension is transferred into a new pension for the other. It’s a clean break, giving each person full control over their own retirement fund.

Pension Offsetting

One person keeps more (or all) of the pension, and the other receives different assets, such as more equity in the family home. This can be useful if one party needs access to cash sooner.

Pension Attachment Order

A share of the pension income is paid directly to the other person when it’s eventually paid out. Unlike pension sharing, this doesn’t provide a clean break and depends on when the pension is accessed.

We’ll help you understand the pros and cons of each route and guide you toward the option that’s best for your future. Call our specialist family team today on 01642 843 671 or use our contact form and we will call you back.

Specialist Advice When It Matters Most

Some pensions are complex, especially where multiple pots or high values are involved. That’s where our network of trusted actuaries and financial advisers comes in. We work alongside experts to ensure your pension is accurately valued and your settlement reflects its full long-term impact.

What If the Pension is Only in My Partner’s Name?

You may still be entitled to a share. The court considers what was built up during your relationship not just whose name is on the paperwork.

What If My Partner Won’t Disclose Their Pension?

Full financial disclosure is a legal requirement. If they refuse, we can apply to the court to compel disclosure. Hiding assets only hurts their case.

Will My Pension Be Split Even If I Was the Only One Contributing?

Possibly. Pensions accumulated during the relationship are often considered joint assets. The court aims for fairness, not just a calculation of contributions.

What If I Am Already Retired?

Pensions already in payment can still be shared or offset. We’ll help you explore your rights and any alternatives that make sense for your stage of life.

Why Choose Macks Solicitors?

At Macks, we understand this isn’t just about splitting numbers, it’s about protecting your future. When emotions run high, you need clear advice, compassionate support, and a team that puts your best interests first.

When you work with us, you get:

• A specialist family law team with extensive experience in financial and pension settlements
• Straight-talking, tailored advice that focuses on your long-term needs
• A supportive, personal approach that treats you with dignity and respect

Let’s Talk

Call us on 01642 843 671 or use our online contact form to get started. We’ll listen, explain your options, and help you move forward with confidence.

Macks Solicitors proudly serve clients across England and Wales, with offices in Middlesbrough, Darlington, Redcar and Harrogate.