Gray Divorce Financial Specialist
PERSI pensions, tech equity, 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 — $97Q: How does Idaho community property work in Boise divorces?
Idaho is one of only 9 community property states. Assets acquired during marriage are divided 50/50 automatically—simpler than equitable distribution states. Boise home purchased 2015 for $250K now worth $500K? Each spouse gets $250K equity. Micron stock options earned during marriage? Split 50/50. At 60+, this automatic 50/50 division provides clarity but can feel unfair if one spouse's career sacrifices enabled the other's high earnings.
Q: Can I afford Boise after divorce at 60+?
Boise is affordable compared to where most relocators came from: homes $450K-$500K vs. Seattle $800K-$1M+ or California $700K-$900K+. At 60+ on retirement income ($55K-$75K), solo Boise living is sustainable with property taxes ($4K-$5K), no state income tax on Social Security, utilities ($3K-$4K) = $35K-$45K/year total. Many 60+ divorcees stay in Boise—it's why you relocated from the coast in the first place.
Q: What if we relocated to Boise from California/Washington together—should I stay after divorce?
Many Boise 60+ divorcees relocated specifically for affordability and quality of life. Now divorced, staying in Boise makes financial sense: no income tax on Social Security and pensions (vs. CA's 10.9%), affordable housing, excellent recreation access. However, staying means less support network than your original home. At 60+, consider: does Boise's financial advantage ($20K-$30K/year lower costs than CA/WA) outweigh proximity to adult children, old friends, and familiar community back home?
Q: How are Micron Technology stock options divided in Boise divorces?
Micron is Boise's largest employer with substantial employee stock compensation. Under Idaho community property, Micron stock options earned during marriage are automatically divided 50/50—simpler than many states. Unvested options create complexity: if you have $300K unvested Micron stock vesting over 3 years, those future shares must be divided now. At 60+, Micron stock represents major retirement wealth requiring careful division to avoid tax penalties on forced liquidation.
If you're over 50 and facing divorce in Boise, custody battles aren't your concern—your children are grown. Instead, you're dividing Boise real estate, retirement accounts, and assets under Idaho's community property in one of America's fastest-growing and most affordable major metros.
Boise attracts massive in-migration from California and Washington—many 50+ couples relocated specifically for affordability and quality of life. Now divorce changes those plans.
Community property. Everything split down the middle. Easy, right?
Except your PERSI pension isn't a simple account balance. It's a stream of payments calculated by years of service, final average salary, and actuarial assumptions. What portion was earned during marriage? How do you divide something that doesn't exist yet?
Your Micron stock options vest over four years. Half were granted before separation, half after. Which ones are community property? What's the tax basis? When can they be exercised?
Your spouse managed the money for 25 years. They understand all of this. You're learning it for the first time — while negotiating your entire financial future.
Idaho's 50/50 rule only works when you know what you're dividing. Miss a retirement account, undervalue the house, accept the wrong pension calculation — and "equal" becomes anything but.
The difference between knowing and not knowing? It can easily be $100,000-$200,000 in your final settlement.
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 — $97Boise's explosive growth created rapid real estate appreciation:
Community property: Homes purchased during marriage divided 50/50, capturing all appreciation.
Boise attracts massive coastal migration:
Boise has growing tech sector:
Tech compensation earned during marriage is community property.
Can you afford Boise solo? Boise median $450K-$500K. Dramatically more affordable than Seattle ($800K+) or California. Many 50+ clients can keep their Boise home on one income.
Idaho law applies: Community property means 50/50 division. Spousal maintenance available for long marriages.
Whether you relocated from California years ago or you're learning about community property, we provide the guidance you need.
Turn Panic Into Power — $97Schedule a Strategy Session