Gray Divorce Financial Specialist
Pensions, retirement accounts, real estate — Idaho's 50/50 split requires expertise. 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 Idaho, you're in one of America's fastest-growing states with unique financial advantages. Your divorce likely isn't about custody battles—your children are grown and independent. Instead, your divorce centers on dividing decades of accumulated wealth under Idaho's community property rules in one of the nation's most affordable states.
What makes Idaho unique: Idaho is one of only nine community property states (automatic 50/50 split), has very affordable living compared to neighboring California and Washington, and attracts retirees and remote workers fleeing high-tax coastal states. Boise has become one of America's fastest-growing metros.
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.
Idaho combines clear 50/50 community property division with dramatically lower cost of living than neighboring states.
For gray divorce: Idaho's affordability means post-divorce budgets are much more manageable than coastal states.
Idaho is one of only nine community property states. All property acquired during marriage is community property and divided 50/50:
Community property (divided 50/50):
Separate property (not divided):
Idaho attracts massive migration from expensive coastal states:
Many relocated specifically for affordability—now divorce changes those plans.
Idaho offers dramatic affordability vs. neighboring states:
Homes purchased during marriage are community property divided 50/50.
Idaho lifestyle often includes recreation assets:
Assets purchased during marriage are community property.
Fastest-growing city, tech industry, California/Washington refugees, affordable compared to Seattle/SF, outdoor recreation.
Learn more →Lake Coeur d'Alene waterfront, Spokane proximity, tourism, luxury lakefront homes, resort living, retirees.
Learn more →Eastern Idaho, Idaho National Laboratory employees, affordable living, Yellowstone access, small-town values.
Learn more →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 — $97Idaho's combination of community property clarity and affordability creates unique opportunities for 50+ clients planning post-divorce life.
Turn Panic Into Power — $97Schedule a Strategy Session