Divorce & Separation Financial Planning

Clear, regulated financial and mortgage advice during life’s most complex transitions.

Separation — whether through divorce or the breakdown of a long-term relationship is one of the most financially complex and emotionally challenging periods many people experience.

At Roxton Wealth, we provide calm, joined-up financial and mortgage advice to individuals navigating divorce or separation, helping them understand their financial position, make informeddecisions, and plan their next chapter with clarity and confidence.

What do we mean by divorce & separation financial planning?

Divorce & Separation Financial Planning focuses on helping individuals understand and organise their finances when a relationship comes to an end.

This applies to:

• Married couples going through divorce
• Unmarried couples separating
• Co-habiting partners
• Parents separating
• Individuals at any stage of the separation process

It is not legal advice and does not replace solicitors or mediators.

Instead, it provides regulated financial and mortgage advice to support better financial decision making alongside legal processes.

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Why financial advice matters during separation

When relationships end, financial decisions are often made under pressure, uncertainty, andemotional strain.

Common challenges include:

• Deciding what to do with a shared property
• Understanding mortgage options after separation
• Assessing affordability on a single income
• Reviewing protection arrangements
• Understanding pension implications
• Planning for future financial independence

Mistakes made at this stage can be difficult or costly to undo.

Joined-up financial advice helps ensure decisions made today still make sense tomorrow.

Who this service is for

This service may be suitable for individuals who are:

• Considering separation or divorce
• Already separated but financially entangled
• In the middle of legal proceedings
• Finalising financial arrangements
• Rebuilding financial independence after separation

You do not need to have everything decided or documented.

Advice can be helpful at any stage.

How Roxton Wealth supports you

Our role is to provide clarity, structure, and informed guidance, not to take sides or influence out comes.

We support clients by:

• Explaining financial options clearly and calmly
• Helping you understand the implications of different choices
• Considering property, income, pensions, and protection together
• Supporting long-term planning beyond the immediate separation

Advice is always:

• Individual
• Suitability-based
• Regulated
• Focused on your best interests

A joined-up approach during separation

Financial decisions during separation are rarely isolated.

For example:

• Property decisions affect future affordability
• Pension choices affect long-term security
• Income changes affect protection needs
• Short-term solutions can create long-term constraints

Our joined-up approach considers the full financial picture, not just the immediate issue, helping clients move forward with confidence rather than uncertainty.

Working alongside solicitors and mediators

We regularly work alongside:

• Family solicitors
• Mediators
• Other professional advisers

Our role is to complement legal advice — not replace it.

Where appropriate, we can:

• Provide financial clarity to support legal discussions
• Help clients understand financial proposals
• Ensure financial advice aligns with agreed legal outcomes

All collaboration respects professional boundaries and regulatory responsibilities.

What we can support with

Depending on individual circumstances, advice may include:

• Mortgage options following separation
• Property planning and refinancing considerations
• Protection reviews
• Pension and long-term planning
• Cashflow and affordability planning
• Rebuilding financial independence

All advice is tailored to the individual and subject to full suitability assessments.

A calm, respectful approach

We understand that separation can be emotionally demanding.

Our approach is:

• Respectful
• Confidential
• Non-judgemental
• Focused on clarity, not pressure

You will not be rushed or pushed into decisions.

Our role is to support informed, considered choices.

Important regulatory information

Divorce & Separation Financial Planning is delivered by Roxton Wealth.

It is:

• Not legal advice
• Not mediation
• Not advocacy for one party

All financial and mortgage advice:

• Is provided on an individual basis
• Is subject to full suitability assessments
• Complies with FCA regulatory requirements
• Prioritises the client’s best interests at all times

Book an initial conversation

If you are navigating divorce or separation and would like clear, regulated financial advice, you canbook an initial conversation with Roxton Wealth.

We are here to help you understand your options and move forward with confidence.