3 reasons why you should introduce your divorcing female clients to a younger, female, financial expert
Choosing a financial expert can feel daunting, especially for women who are going through a significant life change such as divorce.
However, taking the time to find the right professional to work with could help your female clients move from uncertainty to confidence in their financial futures.
Keep reading to learn why your divorcing female clients will thank you for putting them in touch with me, Lottie Kent – a younger female financial expert.
Your female divorcing clients face unique financial needs
Women often face particular financial challenges during and after divorce, which is why bespoke advice and guidance from an empathetic professional is crucial.
Of course, every individual has unique needs and goals, but here are just a few important financial issues your divorcing female clients might face:
A reduced income
On average, women in the UK earn less than men. According to the Office for National Statistics (ONS; 23 October 2025), the gender pay gap – the difference between the average earnings of men and women – stands at 6.9% across full-time employees.
Divorce can exacerbate this pay disparity, leaving women with greater financial challenges than their ex-spouse. Research by Legal & General (2 April 2025) found that women’s incomes fell by 50% in the year after divorce, compared with a reduction of just 30% for men.
Unequal pension wealth
A report by Royal London (21 July 2025) reveals that, on average, men have more than twice as much in their pension pots as women – £92,000 compared to £39,000.
As such, if a woman waives her pension rights during her divorce, this could significantly reduce her potential retirement income. Worryingly, Today’s Wills & Probate (21 March 2025) estimates that only 12% of divorces include a pension sharing arrangement.
The difficult choice between property and liquidity
It’s common for women, especially those with children, to prioritise keeping the family home after separating from a partner.
However, this could leave your female clients with less money to manage their day-to-day expenses or to build the retirement fund they need. Indeed, if they choose to waive their pension rights in favour of staying in the marital home, it might jeopardise their long-term financial security.
Read more: House or pension? Financial guidance can help divorcing women make this tough decision
A lack of investing confidence
Research by Aviva (11 March 2024) shows that 37% of women do not invest compared to 24% of men. Almost one in five women (18%) think the risk is too high, and 10% say it’s too complicated.
Encouragingly, a recent report from HSBC UK (8 March 2025) suggests the gender investment gap is closing among high-earning women, 48% of whom invest. By contrast, only 13% of women in the general population have investments.
For these reasons (to name just a few) your female divorcing clients need someone who truly understands their situation and listens to their needs.
Read more: The top 3 financial challenges facing divorced women in 2024
3 compelling reasons to introduce your female divorcing clients to me
I have worked in financial services since 2011 and specialise in supporting women, especially those pre- and post-divorce.
Here are three key reasons why your female divorcing clients will thank you for recommending me:
1. Women may feel more comfortable working with a female financial expert
Research findings published by Professional Adviser (8 March 2024) reveal that more than two-thirds of women prefer to work with female financial professionals. The study suggested that women are more comfortable discussing their finances with other women, possibly because they feel less judged or belittled.
Your female divorcing clients may be especially vulnerable to such feelings, due to the uncertainty and emotional strain of separating from their partner.
I grew up with divorced parents, so I know how tough the breakdown of a relationship can be. This understanding allows me to put clients at ease and reassure them that I’m in tune with their circumstances, needs, and concerns.
2. I’m here for the long term and prioritise building lasting relationships
As a relatively young financial expert, I have many years of business ahead of me. As such, your clients can have peace of mind that I won’t be selling up and moving on any time soon.
This means that I can support them throughout all stages of life – long after their divorce is finalised.
I prioritise building lasting relationships based on trust and respect, so I can provide the financial and emotional support your clients need to overcome challenging life events, take control of their wealth and face the future with confidence.
3. My team and I are growing the business, so we’ll go the extra mile
I am still building my business, which means I’m continually reviewing and improving the service I offer.
My team and I proactively seek out and develop relationships with both professional connections like you and clients. This network is at the heart of our continued development and success.
In other words, we’ll pull out all the stops to ensure you and your clients receive exceptional service and the best possible outcomes.
Read more: 5 green flags to look for when seeking a financial expert to work with
Get in touch
If you’d like to know more about how we can work together to support your female divorcing clients, I’d love to hear from you.
To find out more, please get in touch by email at lottie@truefinancialdesign.co.uk or call 03300 889138.
Please note
This article is for general information only and does not constitute advice. The information is aimed at retail clients only.
All information is correct at the time of writing and is subject to change in the future.
The value of your investments (and any income from them) can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.
Investments should be considered over the longer term and should fit in with your overall attitude to risk and financial circumstances.
A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Past performance is not a reliable indicator of future performance.
The tax implications of pension withdrawals will be based on your individual circumstances. Thresholds, percentage rates, and tax legislation may change in subsequent Finance Acts.
Approved by 2plan wealth management Ltd 21/11/25