Free Tools
Calculators
Settlement Fairness Check Pension Fairness Check
✓ Checklists
Documents Checklist Financial Prep Checklist
Guides
How to Prepare Financially Understanding Asset Division View All Resources →
Start Here Work With Me About
Locations
All Locations California Florida Texas New York Washington Massachusetts
Book a Strategy Session

High-Net-Worth Divorce Specialist

Divorcing in Palm Beach?
Waterfront Estates, Investment Portfolios, Trust Assets — Do You Know What's Yours?

Florida's 2023 alimony reform changed everything. High-asset divorces require expertise. This guide shows you what to protect.

Leanne Ozaine, CDFA® | Specializing in high-asset divorces

Before You Agree to Anything — $97
Important Disclaimer: Leanne Ozaine is a Certified Divorce Financial Analyst® and financial planner who provides financial education and coaching services only. She is not an attorney and does not provide legal advice. For legal guidance specific to Florida divorce law, always consult with a qualified family law attorney licensed in Florida.

Gray Divorce in Palm Beach: High-Net-Worth Retirement at Stake

If you're over 50 and facing divorce in Palm Beach or Broward County, 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 oceanfront 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:

At 65, Every Dollar Divided Wrong Is a Dollar You'll Never Replace

You spent 40 years building this retirement. Now you're dividing it 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 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 Palm Beach home has a cost basis from decades ago that affects capital gains. 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.

Protect What You've Built — Get the Guide →

What Makes Palm Beach & Broward Divorces Unique

Ultra-Luxury Oceanfront Real Estate

Palm Beach is one of America's wealthiest communities. Oceanfront estates on Palm Beach Island, waterfront properties in Boca Raton, and luxury condos in Fort Lauderdale regularly exceed $5M-$50M+.

Key considerations for gray divorce:

Country Club & Social Memberships

Palm Beach is famous for its exclusive country clubs and private communities. Club memberships can have significant value and affect post-divorce lifestyle:

Common membership issues:

Investment Portfolios & Trust Structures

Palm Beach and Broward County 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.

Business Interests & Professional Goodwill

Many Palm Beach retirees sold businesses before moving to Florida, but some still own active businesses or retain ownership interests. These must be valued and divided:

Florida's 2023 Alimony Reform Impact

Palm Beach 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 Palm Beach 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 Palm Beach gray divorce: If you expected to live on $25K-$75K/month in alimony indefinitely, you must now plan for alimony to end. Asset division becomes critical—you need assets generating income for life.

Gray Divorce in Palm Beach: The Financial Reality

In Palm Beach and Broward County, 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:

Retirement in Luxury (On Half the Assets)

Palm Beach is a dream retirement destination, but can you maintain the lifestyle post-divorce?

Learning to Manage Wealth Independently

Many of our Palm Beach 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.

Child Support Considerations

Our Palm Beach 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.

Florida's Equitable Distribution Applies

As a Palm Beach or Broward County resident, your divorce follows Florida's equitable distribution system:

2023 alimony reform: No more permanent alimony. Plan for asset division that supports the Palm Beach lifestyle for life.

Learn more about Florida's divorce laws and 2023 alimony reform →

Serving Palm Beach & Broward County Communities

We provide virtual divorce financial planning services throughout Palm Beach and Broward County, including:

Before You Agree to Anything — See What This Actually Means For Your Life

In a divorce, dividing assets is only step one. This helps you understand how those assets will actually support your life.

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 estate

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

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

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

22-page guide + video tutorials + checklists + templates

$97

Instant access. 100% money-back guarantee.

Slow This Down Before It's Final — $97

Before You Agree — Let's Make Sure This Actually Works

Your lawyer handles the law. Your therapist handles emotions. But who's making sure you can actually live on what you're agreeing to for the next 25 years?

Before You Agree to Anything — $97 Learn About the War Room