Gray Divorce Financial Specialist
Military pensions, banking retirement, real estate — Florida's 2023 alimony reform changed everything. This guide shows you what to protect.
Leanne Ozaine, CDFA® & CFP® | Specializing in gray divorce for 50+
Turn Panic Into Power — $97Here'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.
When you can't trust anyone else in this process, you can trust me.
The 5-step system that shows you what you'll actually live on, so you stop guessing and start knowing.
Calculate your real post-divorce income — including spousal support, assets, and earning potential — so you negotiate from facts, not fear.
Document gathering checklists tell you exactly what to bring to your attorney — so you walk in prepared, not panicked.
Map out your real expenses as a single person — before you fight for something you can't actually maintain.
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 — $97If you're over 50 and facing divorce in Jacksonville or Northeast Florida, custody battles likely aren't your concern—your children are grown, independent, or serving in the military themselves. Instead, you're navigating the financial complexity of dividing military pension benefits, banking industry assets, real estate, and retirement accounts accumulated over decades.
This is especially challenging if you've never personally managed the household finances. Perhaps your spouse handled military benefits, TSP accounts, or banking investments while you focused on family through multiple military deployments or relocations. Now you're facing questions like:
Jacksonville is home to major military installations (Naval Station Mayport, NAS Jacksonville, Naval Submarine Base Kings Bay), making military pension division common in gray divorces.
Key military divorce rules:
For those new to military benefits: Military retirement is more complex than civilian pensions, including base pay retirement, potential disability pay, VA benefits, and Survivor Benefit Plan (SBP) decisions.
Many military and federal civilian employees in Jacksonville have TSP accounts (the federal government's 401(k) equivalent). TSPs are divided via court order but follow different rules than private sector QDROs.
Important: TSP accounts often contain decades of contributions and growth. Proper division requires understanding both Florida equitable distribution law and federal TSP regulations.
Jacksonville is a major banking and financial services hub (home to FIS, Black Knight, Deutsche Bank operations, Bank of America operations). Employees often have:
Dividing these assets requires understanding vesting schedules, tax implications, and company-specific plans.
Northeast Florida real estate varies from moderate to very high-end. Ponte Vedra Beach is one of Florida's wealthiest communities, while St. Augustine offers historic charm and coastal living.
Key considerations for gray divorce:
Jacksonville has seen traditional alimony awards in long military marriages. The 2023 reform eliminating permanent alimony significantly changes planning:
Before 2023: Military spouses who moved every 2-3 years and couldn't build careers often received permanent alimony after 20+ year marriages.
After 2023: Even after 25 years of military marriage, alimony is time-limited. Maximum duration for long-term marriages (20+ years) is 75% of marriage length.
What this means: Asset division becomes critical. You need military pension portions and other assets that generate income for life, not just temporary alimony.
In Jacksonville and Northeast Florida, we work with clients divorcing after 20, 30, or 40+ years of marriage—often military marriages with unique considerations:
After decades of military service, the pension and healthcare benefits are often your most valuable assets:
Jacksonville's financial services industry provides substantial compensation, but it's complex to divide:
Many of our Jacksonville clients—particularly military spouses who relocated frequently—have never personally managed military retirement systems, TSP accounts, or VA benefits.
You're not alone: Military benefits are complex but learnable. We help you understand what you're entitled to and how to access it post-divorce.
While our primary focus is gray divorce (50+ with grown children), some clients have high school or college-age children. Florida's guideline-based child support applies regardless of military status. However, for most 50+ clients, children are independent, and divorce centers on military pension division and asset protection.
As a Jacksonville resident, your divorce follows Florida's equitable distribution system, which interacts with federal military benefits laws:
2023 alimony reform: No more permanent alimony, even for military spouses who sacrificed careers for the service. Plan accordingly.
Learn more about Florida's divorce laws and 2023 alimony reform →
We provide virtual divorce financial planning services throughout Northeast Florida, including:
Whether you've managed military benefits for years or you're learning about pension division for the first time, we provide the education and guidance you need.
Turn Panic Into Power — $97 Schedule a Strategy Session