According to new research men have almost three times the pension savings of women and are more likely to review their pension arrangements, but women are starting to save more year on year.

Pensions are usually one of the key areas that need to be considered if a married couple separate.  They can provide useful options to help with structuring their financial settlement.  

In my experience it is important to start looking at what might be possible early.  If pensions are likely to be shared, then this can impact on how much my client should pay into their pension scheme during the separation process.  

Another top tip is for anyone thinking about separating to protect their position by taking legal advice before making any significant contributions into a pension scheme .