Smart Divorce

Independent Financial Adviser  The Victoria 29, Cheshire, WA14 1EX
First meeting at adviser's own cost
Specialist, independent financial advice, for people divorcing or separating. We’ll remove the financial stress, so you can rebuild your life.
We can advise you on
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Annuity purchase
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Critical illness
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
Response rating
9.0/10
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FCA authorised
Last authorised 30th November 2020
Meet our advisers
Tamsin Caine
Chartered Financial Planner

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

At the end of this unit, candidates should be able to demonstrate an understanding of: the main legal forms of business and how they are set up and managed; the consequences of bankruptcy or insolvency; business accounts and financial controls; the taxation of each type of business entity, its owners and employees; the main legal responsibilities businesses have to employees, suppliers and customers.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

This exam accesses understanding of the financial services industry including regulation and legislation.

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

This exam accesses understanding of the financial services and their regulation.

Accreditations
Chartered Financial Planner
Steve Martin CFPᵀᴹ Chartered MCSI, IMC
Chief Executive

An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

This qualification assesses a knowledge and understanding of portfolio investment management. If passed before September 2010 QCF 3 after then QCF 4

This qualification is a specialist qualification which demonstrates a knowledge and understanding of Financial Markets, Portfolio Construction Theory and Applied Wealth Management.

Accreditations
Certified Financial Planner
What our clients say
I was going through a fairly complicated divorce. Financially, it could have been a nightmare situation with a shortfall in funds for purchasing a house. Smart Divorce were recommended by a friend who was in a similar position to me. Tamsin immediately put me at ease and we trawled through all the complex issues in a way which I understood. It was entirely a personal service – I felt as though I could contact the team any time. The whole experience was so positive and uncomplicated, and I would highly recommend Smart Divorce to anyone who needs professional, but personal advice.
MARION ROE-BENNETT, Manchester
Tamsin was extremely diligent in listening to the problems and reviewing matters carefully. Her help, support and advice has meant that, despite distance, I prefer to stay with her. In any event, we discuss matters either by phone, email or FaceTime, but I travel the 2.5 hrs for the review meeting as it is important to me to be face to face for a full discussion.
MARK HODGSON, Cheshire
Tamsin has a very ‘down-to-earth attitude’ and explains things in terms that are easy to understand. Whilst maintaining great professional standards, she is always warm, patient and she clearly loves her job. Nothing is too much trouble for her.
SHARON ADAMS, Manchester
Tamsin has helped me in many ways! She has advised me on a wide range of issues. I have unquestionably seen the outcome that I had hoped for.
KEVIN WHARTON, Cheshire
Tamsin offers general sound advice which is suitable to my senior age group, requirements and possible future wishes. Also, she helps by allaying fears at time of general financial uncertainty. I rely on Tamsin’s professional capabilities entirely.
MAY MCCALLUM, Cheshire
Tamsin facilitated an understanding of my life goals and structured a plan to move towards them financially.
JAMES COX, Cheshire
About us

Having been through it ourselves we know that divorce is a stressful and challenging time.

We also know that making the necessary financial decisions can add significantly to the already considerable emotional strain.

Confusion and anxiety, plus the added stress of securing a stable financial future for you and your children, will leave many unanswered questions.

We work with both men and women in Altrincham, Manchester, Cheshire and beyond who are going through divorce or separation.

We will help answer questions such as:

- How do we come to a financial settlement?
- How do we ensure that both parties are okay and can cope financially?
- Where will we live and how will we pay for it?
- What do we need to do with our current house and mortgage?
- Do I need to buy a new home? Can I afford it?
- Will our children be able to live the same way they did before?
- How do we split our assets?
- What do we do with our pensions?
- What’s the future going to look like?

We’ll look after the finances, so you can look forward with confidence and clarity.

Our services

There are many reasons our clients choose to work with us:

EXPERIENCE & EMPATHY: Tamsin, our head of financial planning, has been through what you are experiencing. That gives her valuable insight into what you are thinking and feeling right now.

A COLLABORATIVE APPROACH: We believe a collaborative approach leads to successful divorce planning. Whether that’s with your spouse, partner, your mortgage adviser or your lawyer, we strive to build connections.

SPECIALIST ADVICE: We specialise exclusively in financial planning for people who are divorcing or separating. That means we have the specialist knowledge you need.

Where to find us
Head office address: The Victoria 29, Stamford Street, Altrincham, Cheshire, WA14 1EX
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 30th November 2020

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