Getting Divorced
Divorce changes everything — emotionally and financially. But with the right advice, it can also be the beginning of something better. At Transform, we help individuals across Scotland rebuild financial security after separation. Whether you're the primary earner, a financially dependent partner, or somewhere in between, we’ll guide you through the financial side of divorce and help you take back control of your future. Scroll down to find out more.
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of our clients think that working with us has helped or will help them achieve their financial goals.
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of our clients said they were satisfied that we understand their needs, objectives and goals.
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of our clients would recommend us to their friends or family – and all said they have done so already!
Restore Stability. Regain Confidence.
What We Do
Divorce brings financial uncertainty — from dividing assets to adjusting to a new income, and rethinking what your future now looks like. But it also presents a rare opportunity: a clean slate to re-centre your finances and reshape your priorities.
Here’s how we help:
✅ Clarify what you have: property, pensions, savings, and liabilities.
✅ Protect your financial position during asset division.
✅ Rebuild your strategy post-settlement to support your life’s next chapter.
✅ Align your financial decisions with the life you want to live now.
You don’t need to have all the answers. You just need the right support to ask the right questions.
The Financial Impact of Divorce
Divorce has lasting financial consequences, even in amicable situations. Here’s where many people face pressure and the common challenges we help you manage. Remember – without a plan, these challenges can spiral. With a plan, they become manageable.
Asset Division
Shared wealth is often reduced, and needs to be carefully restructured to preserve long-term value.
Increased Living Costs
Two homes cost more to run than one — and budgets must adjust accordingly.
Legal Expenses
Solicitors, valuations, and court costs can significantly reduce available assets.
Income Shifts
Financially dependent partners may lose key income sources; primary earners may face support obligations.
Our Financial Tips After Divorce
To rebuild your financial security and achieve stability, consider these practical steps:
1. Evaluate Your Finances
Review assets, liabilities, and income. Update legal documents such as wills, pension arrangements, and joint financial agreements to reflect your new situation.
2. Strategic Investment
Use any settlement funds wisely, focusing on long-term stability rather than short-term gratification.
3. Establish a Realistic Budget
Work with a financial planner to create a budget tailored to your new lifestyle, factoring in income changes and new living costs.
4. Set Future Goals
Leverage this transition to outline financial priorities and build a clear plan for long-term growth and stability.
Common Impulses to Avoid Post-Divorce
Divorce often triggers emotional spending, which can derail financial recovery. Here are some common traps we help you avoid:
❌ Splurging on Luxuries: The temptation to celebrate independence with extravagant purchases, like luxury holidays or expensive items, can quickly deplete resources.
❌ Emotional Spending: Emotional pain can lead to impulsive purchases aimed at relieving stress, often at the expense of savings or settlement money.
❌ Avoiding Financial Decisions: Delay leads to missed tax planning windows or lost investment opportunities.
❌ Ignoring Future Needs: Life goes on – your plan should too!
What Makes Us Different
Why Choose Transform When Navigating Divorce?
We understand how difficult divorce can be, both emotionally and financially. Our services are designed to provide clarity and support, helping you regain control of your finances and plan for the future. We’re not just financial planners — we’re a calm, experienced voice in the middle of life’s turbulence.
Here’s what you get:
✔ Expert Guidance on Asset Division
We help simplify the process of splitting assets, ensuring your financial settlement supports your long-term goals.
✔ Personalised Financial Planning
We create tailored strategies to help you budget, prioritise your needs, and set achievable goals for your new lifestyle.
✔ Smart Investment Advice
Our experts offer clear, practical advice to ensure settlement money is invested wisely, balancing immediate needs with future growth.
✔ An Integrated Service
Our service offers integrated support across life planning, tax, pensions, estate planning, cashflow management and financial wellbeing.
Client Stories
FAQs
Do I need to update my will after a divorce?
Yes. It’s essential to reflect your new circumstances and ensure assets go where you intend.
Can you help me understand my pensions?
Definitely. Pension division is complex, and we’ll explain your options clearly — including tax and cashflow implications.
What if I’m feeling overwhelmed?
That’s normal. Our role isn’t just financial — we help bring structure and calm to what can feel chaotic. You don’t have to do it alone.
Ready to Take Back Control?
Divorce may be the end of one chapter — but your financial future is just beginning.
With Transform, you’ll get the clarity, structure, and confidence you need to move forward.
Book a discovery consultation today, and let’s rebuild your financial foundation together.
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