High-Net-Worth Divorce Specialist
Florida's 2023 alimony reform changed everything. High-asset divorces require expertise. This guide shows you what to protect.
Leanne Ozaine, CDFA® & CFP® | Specializing in high-asset divorces
Turn Panic Into Power — $97If you're over 50 and facing divorce in Miami or South Florida, child custody battles are rarely your primary concern—your children are grown, independent, or establishing careers of their own. Instead, you're navigating the financial complexity of dividing international real estate portfolios, business interests, investment accounts, and retirement assets accumulated over decades in one of America's most dynamic markets.
This is especially challenging if you've never personally managed the household finances. Perhaps your spouse handled international investments, real estate transactions, business operations, or tax planning while you focused on family and home. Now you're facing questions like:
You spent 40 years building retirement savings. Now you're dividing them in 6 months — at an age when there's no second chance.
If you're 65 and give up $200,000 in pension benefits you were entitled to, you're not going to make that back. There's no overtime at this stage. No side hustle. No waiting 15 years for the market to recover.
Florida's 2023 alimony reform eliminated permanent alimony — even for marriages of 30+ years. If you were counting on support to maintain your Miami lifestyle, your strategy must change. Asset division isn't about monthly checks anymore. It's about getting assets that generate income for 25 years.
Your pension has survivor benefit options. Your Social Security has spousal and ex-spousal claiming strategies. Your international properties have tax implications across borders. Every asset has rules — and getting them wrong costs more than you can afford.
You need someone who can project exactly what you'll live on for the next 25 years — before you sign anything you can't take back.
Miami is the gateway to Latin America, and many high-net-worth couples have assets in multiple countries. This creates unique divorce challenges:
Foreign real estate: Properties in Brazil, Argentina, Colombia, Venezuela, or other countries must be disclosed, valued, and divided. Exchange rate fluctuations, foreign tax implications, and enforceability of Florida divorce judgments abroad all complicate matters.
Offshore accounts: Bank accounts or investments held outside the U.S. require full disclosure under both divorce law and federal reporting requirements (FBAR, FATCA).
Business interests abroad: If you or your spouse owns or has ownership interests in foreign companies, valuation requires understanding both U.S. and foreign tax/corporate structures.
For those new to international finances: If your spouse managed offshore investments or foreign property, full disclosure is legally required. Work with professionals who understand both Florida divorce law and international asset tracking.
Miami and South Florida real estate values range from moderate to astronomical. Waterfront properties in Coral Gables, Key Biscayne, Miami Beach, and Fort Lauderdale can easily reach $5M-$50M+.
Key considerations for gray divorce:
Miami's economy includes international trade, finance, tourism, healthcare, and professional services. Many gray divorce cases involve business ownership:
Common scenarios:
Florida law requires valuing the marital portion of the business, including goodwill in many cases. If the business grew significantly during a 20-30 year marriage, the non-owner spouse may be entitled to substantial value.
Miami has historically seen high alimony awards in long-marriage, high-income cases. The 2023 reform eliminating permanent alimony fundamentally changes planning:
Before 2023: After a 25-year marriage, the lower-earning spouse could expect permanent alimony for life.
After 2023: Even after 25 years of marriage, alimony duration is capped. For long-term marriages (20+ years), durational alimony cannot exceed 75% of the marriage length (reduced from 100%).
What this means: If you expected to live on alimony indefinitely, you must now plan for alimony to end. Asset division becomes critical—you need assets that generate income for life, not just temporary support.
In Miami and South Florida, we work with clients divorcing after 20, 30, or 40+ years of marriage. Here's what makes gray divorce financially complex in this region:
South Florida is a retirement destination, but can you afford to retire here post-divorce?
Many of our Miami clients—particularly those who supported a spouse's business or international career—have never personally managed real estate portfolios, offshore accounts, or complex investment structures.
You're not alone: International asset management isn't intuitive, but it's learnable. We help you understand what you have, where it's located, and how to manage it independently.
While our primary focus is gray divorce (50+ with grown children), some clients have high school or college-age children. Florida's child support is guideline-based, and Miami's high cost of living means support amounts can be substantial. However, for most 50+ clients, children are financially independent, and divorce planning centers on asset division and retirement security.
As a Miami resident, your divorce follows Florida's equitable distribution system:
2023 alimony reform: No more permanent alimony, even in long marriages. Plan for asset division that supports you for life.
Learn more about Florida's divorce laws and 2023 alimony reform →
We provide virtual divorce financial planning services throughout South Florida, including:
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 — $97Whether you've managed international portfolios for years or you're learning about asset valuation for the first time, we provide the education and guidance you need.
Turn Panic Into Power — $97 Schedule a Strategy Session