tom farrell financial&mediation

mediator, financial neutral, coach

the big questions

how do we help our children?

If you have children, it is natural to worry about the impact that separation or divorce can have on them.

Research shows us that children want to know what is happening, but that they don’t want to be involved in what has gone wrong, or encounter blame. They have their own lives to lead and they want you to work together to support that. Ordinary, everyday things are important: routine, school, play, bedtime. The financial implications of parting permeate every aspect of the lives that you enable for your children. It is vital to plan effectively for them, as a part of the agreements that you reach with each other.

The specialist services I provide will help to introduce a financial focus, so that you can achieve what you want for your children now and for their future.

If we don’t stand up for children, then we don’t stand for much.
Marian Write Edelman

how do we sort out the money?

For couples to divide responsibility when they live together is normal.

So it is common for one or other of you to have driven financial arrangements throughout your relationship. Similarly, one of you may have taken responsibility for balancing the household expenditure with income. As a result, you might feel ill-equipped to deal with elements of the negotiations for a financial settlement. Financial products are complex, their tax treatment ever changing. Establishing the likely costs of life after parting is essential.

I will gather the relevant information for you and explain it to you in a straightforward way. I will help you to explore the options that are open to you, so that you can achieve a settlement that makes sense to you.

Knowledge is a process of piling up facts; wisdom lies in their simplification.
Martin Fischer

where are we going to live?

When couples separate, the question of housing is often the most challenging to answer.

The home can be the largest asset in the relationship. If you have children, then you do not just have yourselves to consider. Issues surrounding property can be complex: estate agents, legal fees, stamp duty, mortgages… the list goes on.

I will help you to understand the options and get the right advice. Now is not the time to rely on assumptions, you must arm yourselves with the right information and take the time to understand it, before you make decisions.

In the middle of every difficulty, lies opportunity.
Albert Einstein

what will life be like after this?

The process of separation or divorce can often feel like an obstacle course, with a series of hurdles to overcome.

But what happens next? If you do not have an idea of what lies beyond the finishing line, how will you negotiate your way towards it effectively?

I will help you to look forward: to what you want. What you need. Fear of the unknown can be the biggest obstacle of all.

Leap, and the net will appear.
John Burrows

I will help you understand the options open to you, both now and for the future

Family mediation is a voluntary and confidential process, which enables couples going through separation or divorce to deal with arrangements for their future.

Family mediation seeks to empower couples to make their own decisions, while minimising conflict and cost. Decisions are negotiated privately. These can then, if appropriate, be legally bound through the courts. There is an opportunity for imaginative solutions that make sense to you, which would often be missed through the traditional court process.

I will use my expertise to help you generate options, but the decisions are always made by you. I specialise in mediation for financial arrangements on separation or divorce. I also offer focused financial mediation, as a part of the collaborative process or a traditional court settlement.

My extensive financial planning experience means that I can offer a significant level of support in financial matters, gathering all relevant information and putting it into context. I can help you to explore the ‘what ifs’ with all the resources of a regulated financial planning practice at my disposal, allowing for detailed cash flow modelling and analysis of assets.

I am a member of the College of Mediators and adhere to their code of conduct and professional standards.

If you are unsure as to whether I can assist you, please feel free to call or email me for an informal chat about your situation. If required, I am able to assemble a team of suitable specialists for most situations, from an extensive network of professional colleagues.

You can download my Mediation Business Terms from the downloads and links section of this site, below.

As a member of Resolution, I am one of a small number of financial planners to have achieved accreditation to work as a financial neutral.

I can act as a financial neutral in all types of divorce process.

As the title suggests, I act in a neutral capacity, to bring financial expertise to your negotiations.  I can help you to gather all the relevant financial information and to understand it; to generate options for settlement and to road test them.  This can help to reduce cost and give you a better understanding of what your future will look like.

If you are unsure as to whether I can assist you, please feel free to call or email me for an informal chat about your situation. If required, I am able to assemble a team of suitable specialists for most situations, from an extensive network of professional colleagues.

You can download my Neutral Business Terms from the downloads and links section of this site, below.

It is normal for people to play to their strengths, during a relationship.  If one of you is more confident in making the big financial decisions, then it would be natural for the other to take a back seat.  Sometimes, control of the finances can be a way of controlling other aspects of the relationship too.

When you divorce or separate, it is vital to get to grips with your finances.  If you are not used to this, it can be a scary prospect.  Hard enough to gather all the relevant information, let alone understand it.

As your financial coach, I can work with you; helping you to gather the information and to understand what it means.  I can help you to consider your current and future needs, to consider options and possibilities. This will help you to gain the confidence you need to negotiate effectively and to gain a sense of future.

I can help you face-to-face, or online via video conference and so there is no geographical barrier to worry about. So, if you are thinking of divorce or separation, or in the midst of it, I can help you.  This is a confidential service, between us.  However, I can work in conjunction with others that are helping you, such as your solicitor, should you wish it.

If you are unsure as to whether I can assist you, please feel free to call or email me for an informal chat about your situation.

This is a negotiated alternative to court; each with the support of your own lawyer.

Unlike mediation, each person will have a solicitor and all participants sign a contract, known as a Participation Agreement, which binds everyone to the collaborative process.

If the process breaks down, the solicitors are not permitted to continue to represent you.  Agreement is reached through a series of face to face meetings, often with the involvement of other specially trained neutral professionals.  Far from adding cost to the process, this interdisciplinary approach ensures that you get the right help, from the right people, at the right time.

The aim is to reach agreement without recourse to the courts, but with the benefit of legal and other expert advice throughout the process. If a divorce is required, then the solicitors will use the final agreement as the basis for court orders.

Most professionals who work within this field are members of Resolution and adhere to their Code of Practice. Their public website is an excellent resource.

As a member of Resolution, I am one of a small number of financial planners to have achieved accreditation to work as a financial neutral in the collaborative process.

Taking the appropriate advice is essential, because financial matters will form a part of your negotiations; regardless of the divorce or separation process that you select.

In addition to working as a family mediator, financial neutral and coach, I am also an independent financial planner; accredited by Resolution.

I offer regulated advisory services through Tom Farrell Financial Planning Ltd:

  • specialist divorce & separation services
  • pension sharing implementation
  • bespoke financial planning services
  • investment & pension advice

You may be worried and need to talk to someone about your future.  I can help you to take control of your finances.

To find out more about these services, please call, email or visit our sister site:

Tom Farrell Financial Planning Ltd

Tom Farrell Financial Planning Ltd is an appointed representative of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

One of the greatest barriers to advice is fear of the cost.

It is natural to worry about cost. Of course, I would argue that my assistance very often saves far more than it costs, but the cost, nevertheless, is there. In all aspects of my work, I charge fees. I charge an hourly rate for my time, regardless of the nature of the work that I have been commissioned to do or the number of people involved. I feel that this is the fairest way of ensuring that my clients know where they stand.  However, if it is possible to do so and the nature of the work allows it, I am happy to agree a fixed fee for specific projects.

My promise to clients is that they will always be fully aware of my costs, before the work starts and that there will be a regular account of fees as they accrue.

Of course, there is also the emotional cost to consider, for you and those around you. It is my experience that alternatives to the traditional court process, such as mediation and the collaborative process can certainly reduce the harmful effects of separation and divorce, because the participants are in control of the process.

If you have any questions about cost, please do not hesitate to contact me for an informal chat about your circumstances.

pdf forms, brochures and other resources

brochures and forms

You will need a pdf viewer to read these documents, which can be downloaded here, if you do not already have it installed on your computer.


From time to time, I write or co-write articles for national or specialist press publications. Links will be posted here.


Illustrations | Nicola Smee
Graphic Design | warrengraphics
Web design | Henrik Anderson
Divorce Support Group | an excellent service providing emotional support for those going through divorce or separation.
Resolution | the public elements of this website are an excellent source of information.
College of Mediators | lots of useful information about mediation.

teams work

I am a strong advocate of interdisciplinary team working.  I believe that it leads to better outcomes, with less emotional and financial cost.  So, the relationships that I have with other professionals are vitally important.

accountants, family consultants, family lawyers, financial planners, mediators.

To those of you that I already have the pleasure of working with, thank you for your continued support. To those of you that I am yet to have the pleasure of meeting, I am always happy to have an informal chat about any cases that you feel might benefit from my input.

If you want to talk to others who have worked with me, I can put you in touch.




For mediations, neutral & coaching work, I have meeting rooms in The City and High Holborn and access to other rooms throughout central London.

Meetings in Ipswich take place at our administration address: The Hub Business Centre, 2 Civic Drive, Ipswich, IP1 2QA.

If you have a mediator or solicitor, I can meet with you at their offices, with their permission.  I can also meet you at your place of work, if you have suitable rooms available. 

We take your privacy seriously.  Here is a link to our notice:

Privacy Notice