- 16 February 2026
Q&A with Alex, Pensions on Divorce Expert: Understanding PODE reports
Dividing your pensions during divorce can be one of the most complex and often misunderstood parts of reaching a fair financial settlement. We sat down with Chartered Financial Planner and Pension on Divorce Expert (PODE), Alex James, to answer some of the most common questions about PODE reports.
What is a PODE report?
“A PODE report is an independent report that explains how pensions should be valued and shared fairly when couples separate. It gives a clear, neutral view of what your pensions are worth and what they mean for each person’s future retirement. The report is often used to help couples reach an agreement, or to support decisions made by solicitors, mediators or the court.”
Why might I need a PODE report?
“If either you or your ex-partner has a pension, it’s often one of the most important assets to consider for your financial split. The valuation you receive from a pension provider doesn’t always reflect what that pension is actually worth in terms of future income. This is especially true with final salary or defined benefit schemes."
When should a PODE report be prepared?
“Ideally, before any final decisions are made. If pensions form a significant part of your finances, getting a report early helps everyone understand the true value from the outset. It can reduce disputes, speed up negotiations, and make discussions far more straightforward.”
What does a PODE report include?
“A PODE report looks at what each pension is worth in real terms and what income it’s likely to provide in retirement. It then models different ways the pensions could be divided and shows what a fair pension sharing percentage might look like. Most importantly, I explain how each option could affect both of you in the long term. It’s all set out clearly, so it can be used confidently in discussions about your financial split.”
Does a PODE give financial advice?
“No and that’s deliberate. My role is to act as an independent expert. I explain the pensions and the numbers clearly, but I don’t take sides or give personal financial advice within the report. Once a pension sharing order has been agreed, many people then choose to seek financial advice about what to do next.”
How is a PODE different from a standard pension valuation?
“A standard pension valuation gives you a single cash figure. A PODE report goes much further. I focus on what that pension actually means for your future retirement income because that’s what really matters when you’re assessing fairness.”
Who pays for a PODE report?
“In most cases, the cost is shared. I’m appointed as a single joint expert, which means I work for both parties and remain completely independent throughout.”
How long does it take to get a PODE report?
“It largely depends on how quickly the pension providers supply the required information. Once I’ve received everything, I can usually complete the report within a few weeks.”
Can the report be used in court or mediation?
“Yes. These reports are prepared specifically for divorce proceedings. They can be used in mediation, in solicitor negotiations, and in court where required.”
We can help review your pensions as part of a divorce settlement.