Federal & Government Specialist
FERS retirement, federal benefits, real estate — Maryland's equitable distribution requires expertise. This guide shows you exactly what you're entitled to.
Leanne Ozaine, CDFA® & CFP® | Specializing in federal and gray divorce
Turn Panic Into Power — $97If you're over 50 and facing divorce in Maryland, you're in America's wealthiest state by millionaires per capita. Your divorce likely isn't about custody battles—your children are grown and independent. Instead, your divorce centers on dividing Montgomery County federal contractor wealth, DC suburbs federal pensions, Baltimore assets, and substantial retirement accounts under Maryland's equitable distribution with alimony.
What makes Maryland unique: MD has #1 millionaires per capita in America (7.7%), Montgomery County is one of nation's wealthiest, DC suburbs concentrate federal contractors and lobbyists, generous federal pensions (FERS/CSRS), Baltimore finance and biotech, and Maryland offers "limited divorce" (legal separation).
Federal pensions. TSP accounts. Contractor stock options. FEHB benefits. You've heard these terms for decades. You know they're valuable.
But do you actually understand how they divide in a Maryland divorce? Which portion of the FERS pension is marital property? What happens to TSP contributions made during marriage? How do you value contractor RSUs that vest after separation?
Your spouse has lived with these benefits statements for 25+ years. They understand the COAP process, the survivor benefit options, and the tax implications.
You're navigating federal benefits for the first time — while negotiating a settlement that determines your financial future.
Federal compensation isn't magic. It's complicated — but complicated has solutions. You need someone who can decode the benefits statements, explain the survivor benefit trade-offs, and show you exactly what's marital property under Maryland's equitable distribution.
The difference between understanding federal benefits and not? It can easily be $200,000-$400,000 in your final settlement.
Maryland combines extreme wealth concentration with DC suburbs federal contractor and federal employee wealth—unique gray divorce planning.
For gray divorce: Federal pensions and contractor stock create substantial marital estates requiring expert planning.
Maryland uses equitable distribution—property divided "fairly" based on multiple factors (NOT automatic 50/50):
Marital property (subject to division):
Separate property (not divided):
Maryland DC suburbs concentrate federal employees:
Federal pensions earned during marriage are marital property requiring COAP (Court Order Acceptable for Processing) for division.
Maryland concentrates defense and intelligence contractors:
Stock options and bonuses earned during marriage are marital property.
Montgomery County features extreme wealth concentration:
Real estate purchased during marriage is marital property subject to equitable distribution.
Maryland offers "limited divorce"—legal separation without full divorce:
Bethesda/Potomac ultra-wealth, #1 millionaires, federal contractors, lobbyists, $1M-$5M+ estates.
Learn more →Finance, biotech, Johns Hopkins, Under Armour headquarters, Fells Point/Canton, $400K-$1M+ homes.
Learn more →Columbia planned community, excellent schools, diverse affluence, federal employees, $500K-$900K homes.
Learn more →Annapolis capital charm, Naval Academy, waterfront luxury, sailing culture, $500K-$2M+ waterfront.
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 federal pension benefits, TSP, and Social Security — 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 that Montgomery County home you can't actually maintain.
The asset identification system helps you find federal benefits, contractor stock, 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 — $97Maryland's combination of federal wealth, #1 millionaires per capita, and Montgomery County ultra-affluence requires expert planning for 50+ divorces.
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