Why Actuarial Expertise Is Essential in Divorce Cases
Pensions are often among the most valuable and complex assets in divorce proceedings. When pension wealth is unevenly distributed, the financial impact on retirement can be significant. The Family Court recognises this and frequently requires actuarial evidence to ensure pension sharing orders are fair, accurate, and legally sound.
At Congruent, our actuaries specialise in simplifying pension complexities and delivering impartial valuations that meet the highest standards of legal and professional scrutiny. Our approach includes:
- Detailed pension valuations that reflect future income expectations
- Advanced forecasting using market-implied discount rates, inflation data, and gender-specific mortality assumptions
- Clean break modelling, accounting for long-term financial implications
- Customisable scenarios, including non-standard pension splits and variable retirement ages
Whether appointed as a Single Joint Expert or instructed by one party, our reports are crafted to meet the standards expected of Expert Witnesses, ensuring clarity, impartiality, and full compliance with court requirements.
Pension Divorce Calculations
The use of our proprietary Congruent Calculations™ software platform supports the preparation of expert pension valuations in divorce cases. This system enables us to produce robust, court-ready estimates for pension sharing orders by incorporating:
- Market-implied discount and inflation rates
- Gender-specific mortality rates, including future improvements
- Time-value of money principles to assess future pension income
Our actuaries apply advanced modelling techniques for any required adjustment e.g. adjusting pension start ages and applying bespoke pension ratios, to reflect the specific circumstances of each case. These tailored calculations form part of our expert service and are available as optional, chargeable enhancements where needed.
Why Choose Congruent?
- Authorised and Regulated by the Financial Conduct Authority (FRN 831289)
- Licensed by the Bar Standards Board to instruct the Bar directly
- Professional Standards upheld by the Institute and Faculty of Actuaries
- Trusted by Courts and Legal Professionals across the UK
Our team is experienced in handling a wide range of pension schemes and understands the legal nuances of divorce proceedings.
Whether you’re representing one party or acting as a joint expert, Congruent is here to help you navigate the complexities of pension splitting on divorce.
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