Medical & Government Specialist
Medical 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 gray divorce for 50+
Turn Panic Into Power — $97If you're over 50 and facing divorce in Baltimore, custody battles aren't your concern—your children are grown. Instead, you're dividing federal pensions, Johns Hopkins retirement benefits, Maryland state employee retirement, and Baltimore real estate under Maryland's equitable distribution.
Baltimore features Johns Hopkins University/Hospital, federal agencies, state government workers, and thriving biotech and healthcare sectors with complex compensation packages.
FERS. CSRS. TSP. TIAA-CREF. State pension. You've heard these acronyms for decades. You know they're valuable.
But do you actually understand how they divide? Which portions are marital property? What about survivor benefits? How do cost-of-living adjustments factor in? What happens if your spouse takes early retirement?
Your spouse has lived with these retirement statements for 25 years. They understand the benefit calculations, the survivor elections, and the tax implications.
You're seeing these documents for the first time — while negotiating a settlement that determines your retirement security for the next 30 years.
Government and institutional pensions aren't magic. They're complicated — but complicated has solutions. You need someone who can decode the benefit statements, calculate the marital portion, and show you exactly what you're entitled to under Maryland equitable distribution.
The difference between understanding pension division and not? It can easily be $200,000-$400,000 in lifetime retirement income.
Q: How are Johns Hopkins pensions and retirement accounts divided in Maryland divorce?
Johns Hopkins University/Hospital is Baltimore's largest employer with substantial academic and medical retirement benefits. Under Maryland equitable distribution, TIAA-CREF retirement accounts and university pensions earned during marriage are divided fairly (typically near-equal for long marriages). For 30-year Johns Hopkins careers, defined-contribution accounts worth $500K-$2M+ represent major retirement security. Proper QDRO execution is critical. At 60+, dividing Johns Hopkins retirement benefits preserves both spouses' security but reduces individual retirement income substantially.
Q: Can I afford Baltimore after divorce at 60+?
Baltimore affordability varies dramatically by neighborhood: Canton/Federal Hill $400K-$700K, Roland Park $600K-$1.2M+, Harbor East condos $500K-$1.5M+. Annual costs: property taxes ($6K-$15K Maryland rates), insurance ($2K-$3K), utilities ($4K-$5K), maintenance ($5K-$10K) = $40K-$60K/year. At 60+ on retirement income ($60K-$80K), many Baltimore neighborhoods are affordable solo. However, Maryland's high taxes (7-9% total income tax) push many retirees to relocate to lower-tax states.
Q: What about federal employee benefits in Baltimore divorces?
Baltimore's proximity to Washington D.C. means many residents are federal employees with FERS or CSRS pensions, TSP accounts, and FEHB health benefits. Under Maryland equitable distribution, the marital portion of federal pensions is divided fairly. FERS pensions require a Court Order Acceptable for Processing (COAP) — not a standard QDRO. TSP accounts require separate division orders. At 60+, federal retirement benefits often represent $1M+ in lifetime value—proper division is critical.
Q: Should I stay in Baltimore after divorce for the urban culture at 60+?
Baltimore offers unique urban culture: Inner Harbor, Fells Point historic waterfront, world-class museums, Orioles/Ravens sports, Johns Hopkins cultural events. At 60+, this urban lifestyle has value—walkability, cultural amenities, intellectual community. However, Maryland taxes punish retirees: 7-9% total income tax on all retirement income, high property taxes. Consider: is Baltimore's urban charm worth $12K-$20K more annually than comparable North Carolina/Florida cities with better weather, lower taxes, and similar cultural amenities?
Johns Hopkins is a major employer with complex retirement benefits:
Baltimore's DC proximity creates unique pension complexities:
Baltimore metro concentrates healthcare and biotech wealth:
Baltimore real estate varies widely:
Can you afford Baltimore solo? Baltimore is much more affordable than Montgomery County or Northern Virginia. Many 50+ clients can manage Baltimore on one income, especially with proper pension division.
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 pension benefits, spousal support, and assets — so you negotiate from facts, not fear.
Document gathering checklists tell you exactly what to bring to your attorney — including federal pension statements, TSP records, and TIAA-CREF documents.
Map out your real expenses as a single person — including Maryland's high taxes — before you fight for something you can't actually maintain.
The asset identification system helps you find deferred compensation, supplemental retirement accounts, and benefits 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 work at Johns Hopkins, a federal agency, or Maryland state government, the financial decisions you make now determine your retirement security for decades.
Turn Panic Into Power — $97 Explore the War Room