Hi, I’m Phil O’Connor and I’m the owner here at The Divorce IFA.
I specialise in helping individuals understand the financial side of separation as a divorce financial advisor, providing clear guidance on complex issues such as pensions, assets and long-term financial security.
I am one of the few advisers in the UK who holds both Chartered Financial Planner and Certified Financial Planner status, alongside being a Resolution Accredited Independent Financial Adviser.
Before founding The Divorce IFA nine years ago, I spent over a decade working with large accountancy firms including KPMG, Baker Tilly and Haines Watts. That experience gave me a strong technical background which now supports my work helping clients navigate the financial aspects of divorce.
Today I work with professionals, company directors and senior medical practitioners, advising on complex cases involving pensions, investments and long-term financial planning.
Specialist Divorce Financial Advice
Much of my work focuses on the areas that often cause the most uncertainty during divorce.
These include:
- Understanding divorce pension sharing
- Considering whether divorce pension offsetting may be appropriate
- Supporting fair divorce financial settlements
- Providing financial adviser after divorce guidance when clients are rebuilding their financial plans
- Working alongside solicitors during divorce mediation
Every situation is different, which is why careful financial planning is essential before any long-term decisions are made.
My Purpose
Ever since my parents divorced back in 1994 I have wondered whether there was a better way to resolve the issues surrounding financial settlements on divorce. With the range of dispute resolution choices available to you today and the wider financial options available this is much easier than it ever was in 1994.
Twenty years on my purpose is to help you make better, more informed decisions on all aspects of your finances during and beyond divorce, saving you time and money and providing peace of mind and security.
I do this by spending time understanding you and your family’s needs and working through and showing you the consequences of every decision you make/
I take time to educate and inform you on the range of options available, the pros and cons of each option and the likely outcomes for you and your family. You will receive individual advice and guidance from me tailored to your own circumstances.
Why People Choose The Divorce IFA
Clients often come to us during one of the most uncertain periods of their lives. Clear financial guidance can make a significant difference.
People value our approach because we provide:
- Specialist expertise in pensions and divorce-related financial planning
- Clear explanations of complex financial matters
- Experience working alongside solicitors and other professionals involved in divorce cases
- Careful, personalised advice based on each client’s circumstances
- Long-term financial planning to help clients move forward with confidence
We understand that every situation is different. Our role is to bring clarity to complex financial decisions so you can make informed choices and plan the next stage of your life with greater confidence.If you would like to see how we have helped others, you can read our Testimonials or explore our FAQs where we answer common questions about the financial side of divorce.
The other people behind The Divorce IFA
Richard Higgs FPFS
Chartered Financial Planner
I’m a Chartered Financial Planner with over 18 years’ experience, specialising in holistic advice that empowers individuals and their families to feel confident about their financial future.
My particular focus is supporting clients in the financial aftermath of divorce, helping them make confident, informed decisions about investing their pension share and other assets. As a specialist in post-divorce planning, I provide clarity and reassurance during a time of transition, ensuring each client’s financial strategy aligns with their new goals and long-term wellbeing.
What drives me is simple: an infinite purpose to make a positive difference. I take the time to understand each client’s story, values, and goals, so I can create tailored financial plans that reflect who they are and what matters most to them. Whether it’s managing sudden wealth after a divorce or inheritance, planning for retirement, passing on assets to future generations, or overseeing investments, my role is to provide reassurance, structure, and meaningful support, especially during life’s most challenging transitions.
I believe the best financial planning is built on trust, integrity, and genuine care. If you’re looking for a planner who combines technical expertise with empathy and care, I’d be delighted to help.
Speak With a Specialist
If you would like to discuss your situation or need guidance on the financial side of divorce, we are here to help.
Complete the contact form below, call us on 0800 092 1229, or email hello@thedivorceifa.co.uk to arrange a confidential conversation.
We will take the time to understand your circumstances and help you move forward with greater financial clarity and confidence.