- 05 September 2025
What is a PODE report and why is it important in pension sharing cases?
When couples decide to part ways, dividing assets fairly can be challenging—especially when it comes to pensions. That’s where a PODE report comes into play. PODE stands for ‘Pension on Divorce Expert’, a specialist – either pension actuary or independent financial adviser - who provides an impartial, detailed assessment of pension options in the context of divorce. The report is crucial in helping both parties and the court understand the true value and implications of pension sharing.
But what exactly does a PODE report involve?
The report analyses all relevant pension schemes held by both spouses, considering factors such as scheme type, benefits, retirement ages, and any complex rules that might affect their value. This analysis goes far beyond a simple statement of fund value; it interprets how a pension can be split in a way that is both fair and compliant with legal requirements.
The importance of a PODE report in divorce cases cannot be overstated. Pensions are often one of the most valuable assets in a marriage, yet they are notoriously complicated to assess and divide. Without expert input, it’s easy to overlook hidden pitfalls—such as the different treatment of defined benefit and defined contribution pensions, or the impact of early retirement options and guarantees. At Pensions & Divorce, we can ensure that all these technicalities are considered, providing clarity and confidence for both solicitors and individuals navigating a financial separation.
When a court is asked to deliver a pension sharing order, a well-prepared PODE report becomes an essential piece of the puzzle. It ensures that decisions are made based on accurate, up-to-date information, and it minimises the risk of disputes or unfairness further down the line. Instructing a pension on divorce expert early in the process can also help parties reach an amicable settlement more efficiently, saving time and legal costs.
Whether you’re a solicitor guiding clients through divorce, or an individual facing the prospect of pension division, working with experienced professionals to obtain a PODE report is a wise step. It brings peace of mind, ensures compliance with court requirements, and ultimately helps everyone move forward with confidence at a difficult time.