Gray Divorce Financial Specialist
Corporate pensions, retirement accounts, 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 Tampa, St. Petersburg, or Clearwater, custody battles aren't your focus—your children are grown, independent, or pursuing their own paths. Instead, you're navigating the financial complexity of dividing healthcare practice assets, retirement portfolios, Gulf Coast real estate, and decades of accumulated wealth in one of Florida's fastest-growing retirement markets.
This is especially overwhelming if you've never personally managed household finances. Perhaps your spouse handled the medical practice, investment accounts, or real estate decisions while you focused on family and home. Now you're facing questions like:
Here's what nobody tells you: A "fair" settlement can still leave you struggling.
50/50 sounds equal. But if you take the house and your spouse takes the 401(k), only one of you has retirement income. A pension isn't cash. Tax treatment turns "half" into 40% or 60% depending on which half you take.
Your lawyer knows the law. They don't know what you'll live on for the next 30 years.
Most people sign their settlement while still in emotional shock. The brain is in survival mode — the prefrontal cortex that makes rational decisions is literally offline. By the time the fog lifts, the settlement is final.
You need someone whose only job is protecting your financial future — not billable hours, not legal posturing. Someone who can show you exactly what different settlement scenarios mean for your life 5, 10, 25 years from now.
When you can't trust anyone else in this process, you can trust me.
Tampa Bay has major healthcare systems (Tampa General, BayCare, Johns Hopkins All Children's, Moffitt Cancer Center) and hundreds of private practices. Divorcing healthcare professionals face unique challenges:
Practice valuation: Medical, dental, and veterinary practices built during marriage are marital property. Valuation includes tangible assets (equipment, building) and intangible assets (patient lists, goodwill, contracts).
Partnership interests: If your spouse is a partner in a multi-physician practice or specialty group, their ownership percentage must be valued and the marital portion divided.
Non-compete agreements: Many healthcare employment contracts include non-competes. This affects future earning capacity and practice value.
For those new to practice finances: If your spouse owns a medical practice, understanding accounts receivable, malpractice insurance tail coverage, and partnership buy-sell agreements is critical to fair division.
Tampa Bay real estate has appreciated dramatically in recent years. Properties in St. Pete Beach, Clearwater Beach, Davis Islands, and South Tampa have seen significant value increases.
Key considerations for gray divorce:
Tampa Bay attracts retirees for its Gulf Coast lifestyle, lower cost of living (compared to Miami/Fort Lauderdale), and no state income tax. For gray divorce clients:
Retirement planning considerations:
Tampa Bay has historically seen moderate to high alimony awards in long marriages, especially where one spouse supported the other's medical or dental career. The 2023 reform changes everything:
No more permanent alimony: Even after 25-30 years of marriage, alimony is time-limited. For long-term marriages (20+ years), durational alimony cannot exceed 75% of marriage length.
What this means for Tampa Bay gray divorce: If you supported your spouse through medical school, residency, and practice-building for 30 years, you can no longer receive permanent support. Asset division becomes critical—you need assets that generate income for life.
In Tampa and St. Petersburg, 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 built a medical, dental, or veterinary practice during marriage, Florida law considers professional goodwill as marital property. Even if you never worked in the practice, you may be entitled to half its value.
Common scenario: Your spouse started a practice 25 years ago. It's now worth $2M-$5M including equipment, patient lists, and goodwill. The marital portion (growth during marriage) must be valued and divided.
Tampa Bay offers Gulf Coast living at lower costs than Miami or Naples, but post-divorce budgets still matter:
Many of our Tampa Bay clients—particularly spouses of healthcare professionals—have never personally managed practice finances, investment portfolios, or retirement accounts.
You're not alone: Healthcare practice finances are complex, but learnable. We help you understand what you have, how it's valued, and how to manage assets 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 healthcare professional incomes mean support amounts can be substantial. However, for most 50+ clients, children are independent, and divorce centers on practice valuation and retirement planning.
As a Tampa Bay resident, your divorce follows Florida's equitable distribution system:
2023 alimony reform: No more permanent alimony, even in long marriages where one spouse supported the other's career. Plan accordingly.
Learn more about Florida's divorce laws and 2023 alimony reform →
We provide virtual divorce financial planning services throughout Tampa Bay, 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 practice finances for years or you're learning about asset valuation for the first time, we provide the education and guidance you need.
Turn Panic Into Power — $97 Schedule a Strategy Session