Retirement Divorce Specialist
Pensions, Social Security, retirement accounts — 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 Sarasota-Bradenton, custody battles are not your concern—your children are grown, independent, and likely established in their own careers. Instead, you're navigating the financial complexity of dividing waterfront properties, country club memberships, retirement portfolios, and decades of accumulated savings in one of Florida's most desirable retirement destinations.
This is especially overwhelming if you've never personally managed the household finances. Perhaps your spouse handled investment portfolios, pension elections, real estate holdings, or tax planning while you focused on family and community involvement. 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 Sarasota 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 home has a cost basis 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.
Sarasota-Bradenton is famous for its stunning Gulf Coast properties. Real estate on Longboat Key, Siesta Key, Bird Key, and downtown Sarasota waterfront regularly exceeds $1M-$10M+.
Key considerations for gray divorce:
Sarasota is home to prestigious golf communities and country clubs. Club memberships can have significant value and affect post-divorce lifestyle:
Common membership issues:
Sarasota residents are typically retired or near-retirement, living on fixed incomes from multiple sources. Divorce requires dividing:
For Sarasota retirees divorcing after 20-40 years of marriage, the 2023 alimony reform has significant impact:
Before 2023: After 25-30 years of marriage, the lower-earning spouse could expect permanent alimony to maintain the Sarasota 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 Sarasota gray divorce: You cannot rely on permanent support. Asset division—especially retirement accounts and real estate equity—becomes critical for lifetime income security.
In Sarasota-Bradenton, we work with retirees and near-retirees divorcing after 20, 30, or 40+ years of marriage. Here's what makes gray divorce financially complex in this region:
Sarasota is a dream retirement destination, but can you maintain the lifestyle post-divorce?
Many of our Sarasota clients—particularly those who supported a spouse's career or focused on family—have never personally managed retirement portfolios or complex income planning.
You're not alone: Retirement income 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 Sarasota 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 Sarasota resident, your divorce follows Florida's equitable distribution system:
2023 alimony reform: No more permanent alimony. Plan for asset division that supports the Sarasota lifestyle for life.
Learn more about Florida's divorce laws and 2023 alimony reform →
We provide virtual divorce financial planning services throughout the Sarasota-Bradenton 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 — $97Your lawyer handles the law. Your therapist handles emotions. Who's handling whether you can actually live on what you're agreeing to?
Turn Panic Into Power — $97 Explore the War Room