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Gray Divorce Financial Specialist

Divorcing in Arkansas?
Women Over 50 See Household Income Drop 45%. You Don't Have To.

Tyson pensions, Walmart stock, real estate — Arkansas's equitable distribution requires expertise. This guide shows you exactly what you're entitled to.

Leanne Ozaine, CDFA® & CFP® | Specializing in gray divorce for 50+

Turn Panic Into Power — $97
Important Disclaimer: Leanne Ozaine is a Certified Divorce Financial Analyst® and CFP® professional who provides financial education and coaching services only. She is not an attorney and does not provide legal advice. For legal guidance specific to Arkansas divorce law, always consult with a qualified family law attorney licensed in Arkansas.

Gray Divorce in Little Rock: Capital City Wealth & Stability

If you're over 50 and facing divorce in the Little Rock metro area, you're likely dealing with financial complexity that goes far beyond dividing a checking account. Child custody battles typically aren't your main concern—your children are grown, in college, or building their own careers. Instead, your divorce centers entirely on protecting and dividing decades of accumulated wealth in Arkansas's capital region.

This is especially challenging if you've never personally managed the family finances. Perhaps your spouse handled the state government pension benefits, healthcare industry compensation, banking and finance portfolios, or Dillard's corporate stock while you focused on raising children or supporting their career. Now you're facing questions like:

Your Divorce Is 80% About Money. So Why Are You Only Getting Legal Advice?

Here's what nobody tells you: A "fair" settlement can still leave you struggling.

50/50 sounds equal. But if you take the house and your spouse takes the 401(k), only one of you has retirement income. A pension isn't cash. Tax treatment turns "half" into 40% or 60% depending on which half you take.

Your lawyer knows the law. They don't know what you'll live on for the next 30 years.

Most people sign their settlement while still in emotional shock. The brain is in survival mode — the prefrontal cortex that makes rational decisions is literally offline. By the time the fog lifts, the settlement is final.

You need someone whose only job is protecting your financial future — not billable hours, not legal posturing. Someone who can show you exactly what different settlement scenarios mean for your life 5, 10, 25 years from now.

Take Your First Fearless Step — $97

What Makes Little Rock Metro Divorces Unique

State Government Pensions: Arkansas's Largest Employer

Little Rock is Arkansas's capital, and state government employment is one of the metro area's largest economic drivers. If you or your spouse work for Arkansas state government, you've likely built substantial retirement benefits through the Arkansas Public Employees Retirement System (APERS).

APERS pension complexity:

Key pension division issues:

State employee benefits beyond pensions:

For those new to finances: A pension is a promise to pay you monthly income in retirement based on your years of service and salary. Unlike a 401(k) you can see and control, pensions are managed by the state. Understanding how to divide this "invisible asset" fairly requires specialized knowledge.

Healthcare Industry: UAMS, Baptist Health & Major Medical Centers

Little Rock is a regional healthcare hub, anchored by the University of Arkansas for Medical Sciences (UAMS), Baptist Health, CHI St. Vincent, and Arkansas Children's Hospital. Healthcare employment creates complex compensation packages that complicate divorce.

UAMS and academic medicine compensation:

Hospital system benefits (Baptist Health, CHI St. Vincent):

Private medical practice valuation:

Healthcare licensing and credentials:

Banking and Finance Industry Wealth

Little Rock has a significant banking and finance presence, including Bank of the Ozarks (now Bank OZK), Simmons Bank, and numerous regional financial institutions. Financial services careers create unique wealth-building opportunities.

Banking executive compensation:

Financial services benefits:

Investment portfolios and financial sophistication:

Key division considerations:

Dillard's Corporate Headquarters: Retail Industry Wealth

Dillard's department stores are headquartered in Little Rock, and the company is one of the region's major employers. Long-term Dillard's employees may have accumulated significant wealth through stock ownership and corporate benefits.

Dillard's compensation and benefits:

Retail industry considerations:

Family-controlled company dynamics:

Little Rock Metro Real Estate Considerations

Affluent Neighborhood Home Values

Little Rock metro area neighborhoods like Pleasant Valley, Chenal Valley, The Heights, Hillcrest, and West Little Rock feature significant home values and appreciation. Your home equity is likely a major marital asset.

Real estate market dynamics:

Critical home equity decisions:

Separate property protection:

Gray Divorce in Little Rock: The Financial Focus

In Little Rock metro, we work with clients divorcing after 20, 30, or 40+ years of marriage. Here's what makes gray divorce financially complex in this region:

Accumulated Wealth Across Multiple Asset Types

If your spouse has worked in state government, healthcare, banking, or retail for 20-30 years, you've likely accumulated wealth through:

Retirement Planning with Limited Time to Rebuild

When you're 50, 60, or older, you don't have decades to "start over" financially. Every asset division decision affects whether you can retire comfortably.

Critical questions:

Healthcare Costs in Transition

If you're 50-64 and divorcing, healthcare coverage becomes critical. You're too young for Medicare but may lose coverage through your spouse's employer.

Options to explore:

Arkansas Equitable Distribution Law Applies

As a Little Rock resident, your divorce follows Arkansas's equitable distribution laws. This means:

Learn more about Arkansas's equitable distribution laws →

Spousal Support in Little Rock Divorces

Arkansas courts have broad discretion in awarding spousal support. For gray divorce in Little Rock, support is often a central issue.

Factors courts consider:

For gray divorce: If you're 55+ and haven't worked outside the home for 25 years while your spouse built a state government career, UAMS medical career, or banking executive position, courts recognize you may never achieve comparable income. Long-term or permanent support becomes more likely.

Serving Little Rock Metro Communities

We provide virtual divorce financial planning services throughout Little Rock metro area, including:

See Exactly What Your Post-Divorce Life Looks Like — Before You Sign Anything

The 5-step system that shows you what you'll actually live on, so you stop guessing and start knowing.

Know what you'll actually have to live on

Calculate your real post-divorce income — including spousal support, assets, and earning potential — so you negotiate from facts, not fear.

Never miss a document or account

Document gathering checklists tell you exactly what to bring to your attorney — so you walk in prepared, not panicked.

Know if you can really afford to keep the house

Map out your real expenses as a single person — before you fight for something you can't actually maintain.

Identify everything you own — and what your spouse might be hiding

The asset identification system helps you find accounts and property you might not even know exist.

22-page guide + video tutorials + checklists + templates

$97

Instant access. 100% money-back guarantee.

Get the Clarity You Need — $97

Your Divorce Is 80% About Money. Who's Protecting Your 80%?

Whether you're learning to manage state pension benefits for the first time, dividing healthcare industry wealth, or protecting banking and finance assets built over decades, we provide the education and guidance you need to navigate Little Rock divorce with confidence.

Turn Panic Into Power — $97 Schedule a Strategy Session

Leanne Ozaine, CDFA®, CFP®
Certified Divorce Financial Analyst | Certified Financial Planner
From fear to financial strength—one decision at a time.