Separation divides more than a home. Pensions, savings, investments, property and future income all have to be valued, split and then rebuilt into two separate financial lives.
The order may settle who receives what. It doesn't settle how that money will support a new household, a mortgage on one income or a retirement that now looks very different.
Pensions can be one of the largest assets in a marriage, and one of the hardest to compare. A pension and a property with the same headline value can provide very different things over time.
Hulya works with clients before and after settlement to show what each option could mean in practice, then builds a plan around the life they now want to lead.
From the first proposals to the years after the order, financial planning gives each decision a longer view.
Cashflow modelling shows how different settlement options could play out over the years ahead, so clients and their legal advisers can compare proposals on more than headline value.
Explaining how pension sharing, offsetting and earmarking work in practice, what a transfer value does and doesn't show, and when specialist input such as an actuarial report may be needed.
Implementing a pension sharing order and helping the receiving spouse decide where that pension should be held and how it could support retirement.
Reviewing lump sums and investments received through settlement, with attention to access, risk, costs and what the money needs to do next.
Reviewing life and income protection after separation, particularly where maintenance or childcare arrangements rely on one person's income.
Revisiting retirement timing, income needs and existing pensions once the original joint plan no longer applies.
"A financial settlement is usually agreed at one of the hardest points in someone's life. The figures can look fair on the day. What matters is whether they still work five, ten or twenty years later, when the children have grown, the mortgage has changed and retirement is in view. That's the conversation I want clients to have before they sign, not after."
Hulya Gunay
Hulya Gunay advises individuals and families on building long-term financial plans that support both security and personal ambition. With over 15 years’ experience across wealth management and investment banking, including roles at UBS and Commerzbank, she brings a structured and considered approach to financial planning.
Complete the short form with a little about your situation, whether you're approaching separation, part way through or already settled. Professionals can use the same form to introduce a client or talk about working together.
Have an initial conversation with Hulya about your circumstances, the decisions ahead and the questions on your mind. You don't need every document to hand.
Know which areas need attention first. If further planning could help, Hulya will explain the scope and fees, with no obligation to proceed.
Quarterly reviews, ongoing rebalancing, regular portfolio factsheets — we’re with you for the long haul, adjusting your plan as life evolves.
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