Divorce can be an emotional turmoil. We hope no one has to go through it. However, sometimes, it cannot be helped. If you can just get your finances sorted so that you are able to breathe and have one less thing to worry about, it can go a long way to helping get the peace of mind that you need at this time. David Pert can help. Emily was embarking on a tricky divorce With 2 kids under 14 and having never worked it was suddenly quite daunting to be alone and having to manage all the financial aspects of her life that had been handled by her husband previously Emily had quite a few things to consider The divorce settlement The house sale and next house purchase Protect her own in inheritance How to make her money work so she could continue the life she was used to and still be there for her children How she had a pension going forward (currently her husband owned that) How she dealt with her ties with a business with her husband watch this slide show to find out more...

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Are you getting
Divorced
NEED TO KNOW HOW TO MANAGE YOUR MONEY?

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Case Study 3
Emily was embarking on a tricky divorce
With 2 kids under 14 and having never worked it was suddenly quite
daunting to be alone and having to manage all the financial aspects of her
life that had been handled by her husband previously
Emily had quite a few things to consider
 The divorce settlement
 The house sale and next house purchase
 Protect her own in inheritance
 How to make her money work so she could continue the life she was used to
and still be there for her children
 How she had a pension going forward (currently her husband owned that)
 How she dealt with her ties with a business with her husband

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Some things about Emily
 Emily was 45 years old
 Her 2 kids were under 10 years old and in private school
 Emily would need a a pension by 55 years old
 Her husband had insisted she stay home and look after
the kids – but now they were divorcing he didn't’t want
to give up any of his pension as he felt that was only his
as he had worked for that.
 They joint owned a business which Emily had been
instrumental behind the scenes to help make a success.

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Emily’s challenges …
 Whilst the house would sell – getting a mortgage for the
first time on her own was confusing, complex and
challenging
 All the different products and the unknown of knowing
whether they would require any further income outside
of her divorce settlement yet.
….With our in-house mortgage advisors we could guide her
through the process and advise on the best way forward’.

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What we started to do…
The first thing we always do is get to know our client. We get a clear picture and
understanding of their current Lifestyle, desires and goals, that’s how we can
ensure that they get the lifestyle they want to enjoy throughout their life, then we
can help you to manage your money to reach those goals.
It’s all about doing the things you want and always wanted to do without the fear of
ever running out of money
Emily’s goals were:
 To buy a new house and have manageable mortgage
 Income on her investments (pension etc…)
 Ensuring she had an income to maintain her lifestyle, her holidays
etc…(possible from the business she co-owned?)
 Protect her inheritance for her family
 Not to not have to work if it were possible so she could remain a stay at home
mum as she had been since she married.

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What We Did
We got a clear picture and understanding of Emily’s desires and goals,
that’s how we can ensure that Emily get’s the lifestyle she wanted to
enjoy throughout her life, then we can help her to manage her money
to reach those goals.
…..We looks at the options available such as:
ISA’s, Mortgages, Pensions, Retirement
Planning and Return of investments, See where
we can go high and low on risk management.
Our aim is everyone retires wealthy!

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We helped….
By find ways of accumulating the money, including how Emily could utilise her greatest
asset (their business) to build her ‘Number’ to maintain her lifestyle.
…..As a result Emily is now well on course to achieve that
 Emily has a new home (with a low mortgage fixed rate)
 she is motivated to keep going though what has been a challenging and difficult time
 Her investments are getting the good return through (ISA’s and some investments in
Stocks and Shares and a new pension)
 She feels safe and secure about her future and can do what she needs to do most
and that’s spending time with her kids…
 We continue to meet on an annual basis to constantly review her financial planning,
to ensure she stays on track. For Emily we now play various roles; …that of a planner,
a mentor and a coach, mostly inspiring them to help them understand their choices.

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…..And that’s easy to do – when
you know YOU your NUMBER!
To find out more contact:
david.pert@sjpp.com