Going through my divorce and the process of splitting our family assets was a difficult time and I felt quite vulnerable. I gave up my successful career to raise my children and be a home maker, and now retirement wasn’t looking as I had planned.
I needed income to live on and wanted to stay in my home, at least for the medium term. This would give me and our children some stability and normality through the emotional journey that our divorce had become. I was thoroughly convinced – and indeed had been advised previously – that retaining the house was unlikely to be financially possible.
I was eventually referred to Headley by a friend who had been in a similar position and was complimentary of Phil’s professional and empathetic advice. I quickly felt the tide begin to turn.
Phil thoroughly reviewed my situation and advised on how we could split our assets to provide me with options. Phil’s analysis was so thorough that he suggested a change to the previously advised split of pensions and that ultimately resulted in a significantly lower tax outcome and both me and my ex-husband received a better settlement.
At the end of the advice process, I remain the proud owner of our family home and have sufficient income to comfortably live off. I have gone back to work and it’s a comfort to know that I am doing this to regain my independence, not because I am under financial pressure to do so.
I rely on the ongoing advice I get from Phil to make sure my investments are flexible and sustainable, and everything is tax efficient. This has taken me full circle to a place I had hoped to be and I’m grateful to have the support Headley provides.
“I have gone back to work and it’s a comfort to know that I am doing this to regain my independence, not because I am under financial pressure to do so.”
