Gray Divorce Financial Specialist
Disney pensions, corporate benefits, 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 — $97If you're over 50 and facing divorce in the Orlando metro area, custody battles aren't your main concern—your children are grown, independent, or building their own careers. Instead, you're navigating the financial complexity of dividing corporate compensation packages, vacation rental properties, retirement accounts, and real estate accumulated over decades in one of Florida's fastest-growing regions.
This is especially challenging if you've never personally managed household finances. Perhaps your spouse handled 401(k) accounts, stock options, vacation property management, or investment portfolios while you focused on family and home. Now you're facing questions like:
For decades, women who sacrificed careers to support their husband's success could count on permanent alimony. That ended July 1, 2023.
Now, even after 25-30 years of marriage, alimony is time-limited. The maximum duration cannot exceed 75% of your marriage length. If you were married for 30 years, your alimony has a hard cap of 22.5 years — and judges often award less.
Your spouse understands this. Their attorney definitely understands this. They know they can wait you out.
Meanwhile, you're trying to figure out what your life looks like on a fixed income — while negotiating a settlement that has to last the rest of your life.
The new law isn't the end of your security. But it means asset division — your share of retirement accounts, real estate, and investments — matters more than ever. You need to understand exactly what you're entitled to and how to protect it.
The difference between understanding your financial picture and not? It can easily be $200,000-$400,000 in your final settlement.
Orlando is home to major corporate employers (Lockheed Martin, Marriott, Universal, Darden Restaurants, EA Sports, Oracle, Siemens) offering complex compensation packages:
Assets to divide:
For those new to corporate finances: If your spouse worked for a major Orlando employer for 20-30 years, their compensation package is likely more complex than just salary. Understanding stock options, vesting schedules, and tax implications is critical.
Many Orlando couples own vacation rental properties near theme parks (Disney, Universal, SeaWorld) as investment income sources. Dividing these requires understanding:
Lake Nona (medical city, upscale planned community) and Winter Park (historic wealth, high-end real estate) represent Orlando's most affluent areas:
Lake Nona considerations:
Winter Park considerations:
Orlando's tourism and hospitality industry creates unique divorce considerations:
Orlando has seen traditional alimony awards in long marriages, especially where one spouse supported the other's corporate career. The 2023 reform changes everything:
No more permanent alimony: Even after 25-30 years of marriage, alimony is time-limited. Duration cannot exceed 75% of marriage length for long-term marriages.
What this means for Orlando gray divorce: If you expected indefinite support while your spouse continued their corporate career, you must now plan for alimony to end. Asset division—including retirement accounts and real estate—becomes critical for long-term security.
In Orlando, we work with clients divorcing after 20, 30, or 40+ years of marriage. Here's what makes gray divorce financially complex in this region:
If your spouse worked for a major Orlando employer for 20-30 years, retirement accounts and stock compensation may be your largest assets:
Orlando's cost of living has increased significantly in recent years. For gray divorce clients:
Many of our Orlando clients—particularly those who supported a spouse's corporate career—have never personally managed stock options, 401(k) accounts, or vacation rental businesses.
You're not alone: Corporate compensation and investment management are learnable. We help you understand what you have and how to manage it going forward.
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, and Orlando corporate incomes mean support amounts can be substantial. However, for most 50+ clients, children are independent, and divorce centers on asset division and retirement security.
As an Orlando resident, your divorce follows Florida's equitable distribution system:
2023 alimony reform: No more permanent alimony. Plan for asset division that supports you long-term.
Learn more about Florida's divorce laws and 2023 alimony reform →
We provide virtual divorce financial planning services throughout the Orlando metro area, 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 corporate benefits for years or you're learning about stock options for the first time, we provide the education and guidance you need.
Turn Panic Into Power — $97 Schedule a Strategy Session