Going through a divorce or separation whether amicable or not is hard and more often than not, expensive. It means change, and for most of us, change can be difficult.

Couple the emotional upset with all the paperwork that needs to be sorted through and updated and it can be a very stressful, full-on time in your life.

Provisions you made as a couple now need to be shared…perhaps you relied on your spouse’s income, gave up work when you started a family, or you were the main breadwinner. Either way, you now need to take control of your own financial affairs and make sure you are protected and secure for the perhaps very different future you now face to the one you had planned. We can help with the transitional period, as well as provide advice and guidance for you down the line as your circumstances develop and change.

Mortgage Advice

If you are going your separate ways what is going to happen to the family home?  Are you thinking of buying a new property? What does your new financial situation look like and how will that impact your ability to get a mortgage?

Your home may be repossessed if you do not keep up repayments on your mortgage.

Find out more


Some divorces can result in a pension sharing order…£20k of a £100k pot could be given to a spouse – have you given thought to how you will build up that deficit?

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than the amount invested.

Find out more

Protection Review

Do you have joint cover? A full protection review is recommended.  For instance, if the children stay with one parent, the other parent might be paying child maintenance…if they were to die or no longer be able to work because of illness, that would stop. Did you know it was possible to take a life policy to cover the amount of maintenance until the children reach an age it would stop… usually 16 or older if in further education?  It’s worth thinking seriously about Income Protection if you have been relying on your partner for income.

Find out more


If you both decide to rent and invest the proceeds of the property sale, what is the best and most tax-efficient means of investing your money? Or, if you have received a lump sum from a settlement – do you need expert help to decide the best course of action to make this money work as hard for you as possible?

The value of an investment with St. James’s Place may fall as well as rise. You may get back less than the amount invested.

Find out more

Regular Savings

You may have had to pay out a settlement which has eaten into your savings…do you need to build your savings back up?

Find Out More


Have you ensured that your estate is distributed according to your wishes as individuals and no longer a couple?

Trusts are not regulated by the Financial Conduct Authority

Find out more
Only takes 5 mins




Financial Wellbeing is within reach – with the right knowledge you can build a plan, tailored to your individual circumstances. Understanding what plans you already have in place plus identifying any gaps that need attention, can help set a course for making progress towards reaching your financial goals, aspirations and dreams amidst uncertain times.


We are passionate about what we do; helping people achieve their financial goals, aspirations and dreams, giving them peace of mind and allowing them to live and love life. So, we are asking as many people as possible to fill in our carefully created 5-minute questionnaire as honestly as possible. We want to anonymously use the data and insights we collect to form a bigger picture of what areas are the biggest concern for different age groups and demographics.

To take our financial wellbeing questionnaire, simply click on the button below.

Take Our Questionnaire
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18-22 Melville Street


0131 385 7477


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PW& Partners Ltd together with St. James’s Place Wealth Management plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the Privacy Policy or the St. James’s Place Privacy Policy.

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Sent every few months, this newsletter shares relevant information, insights and local experts with you to help support your overall wellbeing - the financial aspect of that being just one element. We also work with small local wellbeing businesses to bring you bespoke client offers on their products/services.

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PW& Partners Ltd together with St. James’s Place Wealth Management plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the Privacy Policy or the St. James’s Place Privacy Policy.