In relationship breakdown it is essential you find out how much your family assets are worth, how much income you will need before and post divorce and how to re-position your assets in the financial split. But many people go into separation and divorce without having a financial plan, let alone much idea of what they are worth.

People can do much of the information gathering themselves or they can seek the help of a book-keeper, accountant or financial advisor. In Step 3 of the unique 5 step programme of recordings and trancripts called Breaking up in a Downturn - 5 Steps to transforming crisis into certainty which is aimed at helping people understand how they can makeup - or breakup - during this recession, we explored Do you really need a family lawyer? and how you could dramatically cut legal bills by doing some of the work yourself. 

The same is true with the finances. However, people may require assistance in completing parts if their Form E, assessing the performance of current assets and funds and what they need to do to protect their financial future. People do seem to struggle with finding and asking for help, especially inexpensive and useful information which helps them to manage and plan the finances under these unprecedented conditions, when so many of the traditional options to progress separation and divorce are closed off.

Breakup Angels has teamed up with Independent Financial Adviser and Pension Consultant Bill Smith  to bring you Can you afford to divorce? which is Step 4 in the Breaking up in a Downturn program which is all about  Net Worth Planning and the pre-preparation which is vital in unravelling joint finances and financial planning for the future in relationship breakdown and divorce. You may not be able to move right now, but if you can learn more now about your financial position and get some tips now on how to strengthen it, you will be better placed to make the right decisions later. 

Bill Smith is an experienced financial expert and the proprietor of Scotia Independent. He has have been advising clients in financial planning in relationship breakdown and divorce, investments, pensions and debt management in both England and Scotland for many years. 

Can you afford to divorce? is an audio recording of a webinar and its transcript and is available as Step 4 in the 5 part Breaking up in a Downturn program which can be bought individually (£16.97), or as a complete program (£47.97).

What you will discover We will explore a number of questions including:

• 'How can I afford to divorce or breakup?' 
• 'Can I keep my pension?' and what happens when your (ex) partner retires? 
• 'How do I generate income post settlement?' and the difference between guaranteed and cash efficient incomes. 
• Pensions - tax and cash implications. 
• The importance of protection, and making sure your dependents are covered in the event of death and re-marriage. 

Order yours here  Order Step 4: Can you afford to divorce? 16 page transcription and audio recording in the Breaking up in a Downturn program here for delivery to your InBox promptly in PDF and MP2 format. 

This m aterial is priced at just £16.97 and can be read alone, or as part of the  5 Step programme.  Click the button here to order - you will be directed to our secure shopping cart where you can pay by PayPal or credit or debit card:

You can order your copy securely by PayPal here, it takes just a couple of clicks. You do not have to have a PayPal account to purchase this product. You may use any credit or debit card. The link to use your credit/debit card is on the left of the PayPal Buy page that you will see when you complete and click through the shopping cart pages. You may use either PayPal or a normal credit/debit card.

Alternatively, read about the other 5 steps in the Breaking up in a Downturn - 5 Steps to transforming crisis into certainty program here which are priced at £16.97 individually, or £47.97 for all 5 Steps. Steps 3-5 are delivered with our legal, financial and family mediator experts who answer the most common questions which are arising as a result of relationship breakdown in the current economic climate. The 5 steps are:

1. How to avoid the 5 worst thing which can happen

2. Makeup or Breakup?

3. Do You really need a Family Lawyer?

4. Can You afford to Divorce? (this one)

5. Family Mediation - a low cost way of reaching Agreement . 

Family Mediation - what is it and what does it take to make it work?  Jackie and Kirsten will be joined by highly experienced Family Mediator at the Institute of Family Therapy Lorraine Schaffer 

to demystify this largely misunderstood subject in Step 5: Family Mediation - a low cost way of reaching agreement the next step in the Breaking up in a Downturn programme . Lorraine explains how family mediation offers the opportunity for parents, or (former) couples, to discuss financial and parenting issues together, with the assistance of a mediator, to reach a jointly negotiated settlement and how financial mediation is one of the least expensive ways of reaching agreement.

NB. All the Breaking up in a Downturn - 5 Steps to transforming crisis into certainty reports, transcripts and recordings can be dipped into regularly as you take steps to understand what is happening and how you can progress. 

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