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 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:
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.
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:
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:
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.
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:
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.
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:
Palm Beach is a dream retirement destination, but can you maintain the lifestyle post-divorce?
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.
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.
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 →
We provide virtual divorce financial planning services throughout Palm Beach and Broward County, 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 a Palm Beach property you can't actually maintain.
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.
Get the Clarity You Need — $97Your 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?
Turn Panic Into Power — $97 Learn About the War Room