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 Naples or Southwest Florida, custody battles are not your concern—your children are grown, independent, and likely established in their own successful careers. Instead, you're navigating the financial complexity of dividing luxury estates, country club memberships, investment portfolios worth millions, and retirement accounts accumulated over decades in one of America's wealthiest retirement destinations.
This is especially overwhelming if you've never personally managed the household finances. Perhaps your spouse handled investment portfolios, trust accounts, real estate holdings, or tax planning while you focused on family and philanthropic work. Now you're facing questions like:
You built a $5M, $10M, maybe $20M+ net worth over decades of successful careers, smart investments, and strategic planning. Now it's all on the table — and at this stage, there's no time to recover from mistakes.
Florida's 2023 alimony reform eliminated permanent alimony. If you were counting on lifetime support to maintain your Naples lifestyle, that expectation must change. Even after 30+ years of marriage, alimony now has time limits. Your settlement isn't about monthly support anymore — it's about getting assets that will generate income for the next 25 years.
Waterfront estates with complex valuations. Country club memberships worth $200K+. Trust structures your spouse set up years ago. Investment portfolios with tax implications that could cost you hundreds of thousands if divided wrong.
The difference between understanding high-asset divorce and not? It can mean maintaining your Naples lifestyle — or watching it disappear.
Your spouse may have managed the wealth for 30 years. They know every account, every trust, every tax strategy. You're supposed to negotiate as equals — while starting from zero.
This isn't about winning the most. It's about knowing exactly what's yours — before you sign anything.
Naples is one of Florida's—and America's—wealthiest communities. Real estate in Port Royal, Aqualane Shores, Moorings, Pelican Bay, and beachfront properties regularly exceeds $5M-$50M+.
Key considerations for gray divorce:
Naples is famous for its exclusive country clubs and golf communities. Club memberships can have significant value and affect post-divorce lifestyle:
Common membership issues:
Naples residents often have complex investment portfolios and trust structures built over successful careers in business, finance, or professional services:
Assets to value and divide:
For those new to complex finances: If your spouse managed the family's wealth, you need to understand what you have, how it's structured, and what tax implications exist for division.
Many Naples retirees sold businesses before moving to Florida, but some still own active businesses or retain ownership interests. These must be valued and divided:
Naples has historically seen substantial alimony awards in long, high-income marriages. The 2023 reform eliminating permanent alimony fundamentally changes planning for ultra-high-net-worth divorces:
Before 2023: After 25-30 years of marriage, the lower-earning spouse could expect permanent alimony to maintain the Naples lifestyle.
After 2023: Even in marriages of 30+ years, alimony is time-limited. Duration cannot exceed 75% of marriage length for long-term marriages.
What this means for Naples gray divorce: If you expected to live on $20K-$50K/month in alimony indefinitely, you must now plan for alimony to end. Asset division becomes critical—you need assets generating income for life.
In Naples and Southwest Florida, we work with ultra-high-net-worth clients divorcing after 20, 30, or 40+ years of marriage. Here's what makes gray divorce financially complex in this region:
Naples is a dream retirement destination, but can you maintain the lifestyle post-divorce?
Many of our Naples clients—particularly those who supported a spouse's business career or focused on family and philanthropy—have never personally managed multi-million dollar portfolios or complex trust structures.
You're not alone: High-net-worth financial management is complex, but it's learnable. We help you understand what you have, how to protect it, and how to make it last.
Our Naples clients are almost exclusively focused on gray divorce (50+ with grown, financially independent children). Child support is rarely relevant—divorce planning centers entirely on dividing accumulated wealth and ensuring retirement security.
As a Naples resident, your divorce follows Florida's equitable distribution system:
2023 alimony reform: No more permanent alimony. Plan for asset division that supports the Naples lifestyle for life.
Learn more about Florida's divorce laws and 2023 alimony reform →
We provide virtual divorce financial planning services throughout Southwest 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 pension payouts, Social Security, and investment income — 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 a lifestyle you can't actually maintain on fixed income.
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 multi-million dollar portfolios for years or you're learning about wealth management for the first time, we provide the education and guidance you need.
Get the Fearless Divorce Guide Schedule a Strategy Session