Gray Divorce Financial Specialist
Humana pensions, corporate retirement, real estate — Kentucky's equitable distribution requires expertise. This guide shows you exactly what you're entitled to.
Leanne Ozaine, CDFA® & CFP® | Specializing in gray divorce for 50+
Turn Panic Into Power — $97You spent decades building a life together. Now you're facing divorce and suddenly realize: you don't actually know what you have, what you're entitled to, or what your life will look like financially on the other side. Your spouse handled the Humana stock options. The Brown-Forman retirement accounts. The bourbon industry investments. You trusted them completely — and now that trust has left you in the dark about your own financial future.
Every day you wait is a day your spouse could be moving assets, adjusting the narrative, or building a case that doesn't include your fair share. Attorneys charge $400/hour, but they're focused on legal strategy — not whether you can actually afford your life after the settlement. You're making decisions that will affect the next 30 years of your life, and you're doing it without a clear picture of what you actually own or what you truly need.
The Fearless Divorce Guide gives you clarity before you sign anything. In 5 straightforward steps, you'll know exactly what assets exist, what you're entitled to under Kentucky's equitable distribution laws, and what your post-divorce finances will actually look like. No more guessing. No more fear. Just the financial clarity you need to negotiate from strength.
If you're over 50 and facing divorce in Louisville, you're likely dealing with financial complexity that goes far beyond dividing a checking account. Child custody battles typically aren't your main concern—your children are grown, in college, or building their own careers. Instead, your divorce centers entirely on protecting and dividing decades of accumulated wealth in Kentucky's largest city.
This is especially challenging if you've never personally managed the family finances. Perhaps your spouse handled the stock compensation from Humana, healthcare benefits from Norton or UofL Health, bourbon industry assets from Brown-Forman or Heaven Hill, or investment portfolios while you focused on raising children or supporting their career. Now you're facing questions like:
Louisville is the global center of bourbon production, home to Brown-Forman (Jack Daniel's, Woodford Reserve, Old Forester), Heaven Hill, Angel's Envy, and numerous craft distilleries. The bourbon boom has created significant wealth—and complex divorce challenges.
Brown-Forman Executive Compensation:
As a publicly traded Fortune 500 company headquartered in Louisville, Brown-Forman offers sophisticated compensation packages that create unique divorce considerations:
Common Brown-Forman divorce scenarios:
Craft Distillery and Family Business Ownership:
If your spouse owns or has equity in a bourbon distillery, valuation becomes critical:
For those new to managing finances: Bourbon industry assets are uniquely complex. Barrel inventory isn't just "whiskey in a warehouse"—it's aging product that increases in value over time. Stock compensation isn't cash in hand—it's future value subject to vesting schedules and tax treatment. Understanding how to value and divide these assets fairly requires specialized knowledge.
Louisville is a major healthcare hub, and many gray divorce cases involve benefits from the region's largest employers: Humana, Norton Healthcare, UofL Health, Baptist Health East, and Kindred Healthcare.
Humana-Specific Considerations:
As a Fortune 50 company headquartered in Louisville, Humana offers some of the most complex compensation packages in the region:
Common Humana divorce challenges:
Norton Healthcare and UofL Health Benefits:
These major health systems offer different but equally valuable benefit packages:
For those new to finances: Healthcare benefits are often more valuable than the paycheck itself. A Humana executive's compensation package might include $150,000 in salary but $100,000+ in stock grants and benefits. Understanding what you're entitled to—and how to protect it—is essential for your financial security.
Churchill Downs—home of the Kentucky Derby—represents significant wealth concentration in Louisville. If your spouse has connections to horse racing, Churchill Downs, or the gaming industry, unique divorce considerations arise.
Churchill Downs Incorporated (CDI) Employment:
CDI is a publicly traded gaming and racing company headquartered in Louisville:
Horse Ownership and Racing Interests:
Gaming and Hospitality Assets:
Louisville's affluent neighborhoods feature significant real estate wealth, often representing your largest single asset—and the most emotionally charged.
Premium Louisville neighborhoods:
Real estate considerations for Louisville divorce:
Critical decisions:
In Louisville, 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 has worked in bourbon, healthcare, or Churchill Downs industries for 20-30 years, you've likely accumulated wealth through:
Common scenario: Your spouse is a Humana executive with $400,000 in unvested RSUs, $800,000 in 401(k) assets, a home in Prospect worth $650,000, and deferred compensation of $200,000. How do you divide this fairly while protecting your retirement?
When you're 50, 60, or older, you don't have decades to "start over" financially. Every asset division decision affects whether you can retire comfortably.
Critical questions:
Many of our Louisville clients—particularly those who focused on homemaking or supporting a spouse's demanding career—have never personally managed stock compensation, bourbon business assets, or six-figure investment portfolios.
You're not alone: We help you understand what you have, how it works, and how to manage it going forward. Humana RSUs, bourbon barrel inventory, and healthcare benefits aren't intuitive, but they're learnable.
If you're 50-64 and divorcing, healthcare coverage becomes critical. You're too young for Medicare but may lose coverage through your spouse's employer.
Options to explore:
As a Louisville resident, your divorce follows Kentucky's equitable distribution laws. This means:
Stock compensation specifics: If your spouse received Humana or Brown-Forman RSUs that vest over 4 years, and you divorce after 2 years, you're typically entitled to 50% of the portion earned during marriage (2 years of the 4-year vesting period).
Learn more about Kentucky's equitable distribution laws →
Kentucky courts have discretion in awarding maintenance (alimony). For gray divorce in Louisville's affluent communities, maintenance is often a central issue.
Key factors courts consider:
For gray divorce: If you're 55+ and haven't worked outside the home for 25 years while your spouse built a career at Humana or Brown-Forman, courts recognize you may never achieve comparable income. Long-term maintenance becomes more likely.
Important note: Unlike property division, fault CAN be considered in maintenance decisions. If your spouse's misconduct caused financial hardship, it may impact the maintenance award.
We provide virtual divorce financial planning services throughout Louisville Metro, including:
Situation: Your spouse has worked at Humana for 25 years, recently became an executive, and has significant unvested RSUs. You've been a stay-at-home parent and never managed complex finances.
Financial complexity:
Key questions we address:
Situation: Your spouse works at Brown-Forman or owns a craft distillery. You're facing divorce and need to understand bourbon industry asset valuation.
Financial complexity:
Key questions we address:
Situation: Your spouse is a physician or advanced practice provider at Norton, UofL Health, or in private practice. Complex compensation and practice ownership create divorce challenges.
Financial complexity:
Key questions we address:
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're learning to manage Humana stock compensation for the first time, navigating bourbon industry asset valuation, or protecting decades of accumulated wealth, we provide the education and guidance you need to navigate Louisville divorce with confidence.
Turn Panic Into Power — $97 Schedule a Strategy Session