Trainer: Gagganpreet Purewal

Pensions are often one of the most valuable matrimonial assets and can be pivotal in achieving

a fair financial settlement. However, the rules surrounding pension sharing orders, o􀆯setting,

and pension attachment are complex and frequently misunderstood. This session is designed

specifically for family mediators to improve their understanding of how pensions are treated on

divorce, ensure accurate financial disclosure, and empower them to guide parties towards

informed decisions with confidence.

Key Topics Covered

• Overview of Pension Types (Defined Benefit, Defined Contribution, State & Public Sector
• Schemes)
• Pension Sharing Orders – How They Work and When They Apply
• Offsetting vs Pension Sharing vs Pension Attachment – Understanding the Key

Differences

• Pension Valuation: CETVs vs True Economic Value
• Impact on Retirement Income & Long-Term Financial Security
• When Specialist Pension Advice (PODE) Is Essential
• Common Risks, Misconceptions & Financial Pitfalls for Clients

Session Focus

This session will provide mediators with essential knowledge on how pensions are divided

during divorce and the implications of each method. The session will explain the mechanisms of

pension sharing orders, the legal and financial process involved, and how the division impacts

each party’s retirement outcomes. We will also examine the dangers of o􀆯setting pensions

against other assets (such as the family home) without proper valuation, and why mediators

must identify when expert advice is necessary to protect both parties from long-term financial

disadvantage.