This episode of the EB & Co. Mediation podcast, featuring Emma Bradford and Charlotte Chambers, clearly outlines the five crucial areas, or 'strands,' that a separating couple must consider when navigating the breakdown of their marriage. The hosts stress that most people, having never gone through this process, are often unaware of the full scope of issues that require resolution. By addressing these five strands—which cover legal status, children, and finances—couples can move forward constructively and efficiently.
The Legal Framework and Child ArrangementsThe first strand is Divorce, which is the legal process that changes a couple's status from married to legally divorced. The hosts note that while this is often the "trigger word" that starts the separation process, it doesn't necessarily have to be the first action taken. They caution that a person's legal rights change once the final divorce paperwork is signed, which is why a solicitor would strongly advise resolving finances first. The second and third strands relate to children: Children's Arrangements (formerly custody and contact), focusing on where the children will live and when they will see each parent; and Child Maintenance, which is a separate financial issue that parents need to understand, particularly how it's calculated based on shared care and income differences.
Financial Disclosure and AffordabilityThe final two strands focus on finances. The fourth strand, Finances (assets and debts), requires couples to complete Financial Disclosure—a process of openly sharing all assets and liabilities to ensure decisions are based on fact. The hosts note that while couples can informally agree on a division at the "kitchen table," going through a formal process like mediation provides structure, ensures all assets are accounted for, and is strongly advised if they seek a legally binding agreement. The fifth strand is Affordability (income and expenditure), which is the least-understood but most crucial element. Here, the focus shifts to whether the proposed financial agreement is affordable for both parties once they are living in two separate households. As mediators, Emma and Charlotte help reality-check these decisions, ensuring the final agreement meets the needs of both parties so that a court would be likely to ratify it.