Gray Divorce Financial Specialist
Pensions, retirement accounts, real estate — Nevada'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 are Lake Tahoe second homes divided in Nevada community property divorces?
Many Reno residents own Lake Tahoe vacation homes on Nevada side (avoiding California property tax). Under Nevada community property law, Tahoe cabins/condos purchased during marriage are divided exactly 50/50. Example: $800K Incline Village condo = $400K equity each. Emotional attachment to Tahoe property is irrelevant—community property mandates mathematical 50/50 split. At 60+, neither spouse can typically afford to buy out the other's $400K equity on retirement income, forcing sale and devastating loss of cherished Tahoe access built over decades.
Q: What about Tesla/tech company stock options earned during marriage?
Reno hosts Tesla Gigafactory, Google/Apple data centers, and growing tech sector. Under Nevada community property, stock options, RSUs, and equity compensation earned during marriage are divided 50/50—even unvested shares. Tesla employees with $100K-$500K+ unvested RSUs face complex division: marital portion (worked during marriage) splits 50/50, separate portion (worked after separation) stays individual. At 60+, decades at tech companies create substantial equity wealth requiring forensic analysis to prevent losing hundreds of thousands in improper valuation.
Q: Can I afford Reno after divorce at 60+ vs. moving back to California?
Reno median homes $500K-$600K (vs. Bay Area $1.5M-$2M+). Annual costs: property taxes ($5K-$6K Nevada vs. $15K-$25K California), insurance ($1.5K), utilities ($3K-$4K), maintenance ($5K-$7K) = $40K-$55K/year. At 60+ on retirement income ($70K-$90K), solo Reno living is achievable. Nevada's zero income tax saves $7K-$12K+ annually vs. California (10.9%). At 60+ with 25-year retirement, staying in Reno vs. relocating to California saves $200K-$400K+ in taxes alone.
Q: What if I have to sell the Tahoe cabin—can I still access Lake Tahoe lifestyle at 60+?
Most 60+ Reno divorcees cannot afford to keep Tahoe vacation homes solo after 50/50 split. However, Reno's 30-minute Tahoe access preserves lifestyle: rent Tahoe condos occasionally ($200-$400/night), buy Tahoe Ski Resort season pass ($600-$1,200), join Tahoe country clubs (some allow non-property-owner memberships). At 60+, "owning" Tahoe via Reno residency + occasional rentals may cost $10K-$15K annually vs. $40K-$60K+ owning Tahoe property (mortgage, taxes, HOA, maintenance). Letting go of Tahoe ownership preserves financial security while maintaining mountain lifestyle access.
If you're over 50 and facing divorce in Reno, custody battles aren't your concern—your children are grown. Instead, you're dividing Reno/Tahoe real estate, retirement accounts saved tax-free, and assets under Nevada's community property with ZERO state income tax and proximity to Lake Tahoe.
Many Reno 50+ residents relocated from California to escape state taxes while maintaining Tahoe access—best of both worlds.
Nevada community property law says everything gets split equally. Simple, right?
But here's what "50/50" doesn't tell you: Who determines the value of your spouse's pension? How is the Tahoe cabin appraised — at market value or tax-assessed value? What about the unvested Tesla stock options?
Your spouse has managed the family finances for 25 years. They understand every account, every vesting schedule, every hidden asset.
You're just now seeing the full picture — while being asked to sign documents that will define your financial future for the next 30 years.
The 50/50 split is only fair if everything is valued correctly. And valuations? That's where settlements are won or lost.
The difference between understanding asset valuation and not? It can easily be $100,000-$300,000 in your final settlement.
Reno offers 30-minute access to Lake Tahoe without California prices:
Second homes purchased during marriage are community property divided 50/50.
Reno attracts San Francisco Bay Area retirees:
Reno has attracted major tech operations:
Stock compensation earned during marriage is community property.
Can you afford Reno solo? Reno median homes $500K-$600K. More expensive than Las Vegas but much cheaper than California. Many 50+ clients can manage on one income.
Nevada tax advantage: Zero income tax saves massive amounts vs. California neighbors.
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
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Turn Panic Into Power — $97Whether you relocated from California or you're learning about Tahoe property division, we provide the guidance you need.
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