High-Net-Worth Divorce Specialist
Finance equity, coastal real estate, retirement accounts — New Jersey's equitable distribution requires expertise. This guide shows you exactly what you're entitled to.
Leanne Ozaine, CDFA® & CFP® | Specializing in high-asset divorces
Turn Panic Into Power — $97For decades, one spouse took the ferry or train to NYC. The bonuses. The stock options. The 401(k). The deferred compensation. The shore house you dreamed of keeping forever.
Now you're expected to negotiate a settlement involving complex finance compensation and emotionally-charged shore property — in 6 months, while you're still processing the end of your marriage.
Rumson and Fair Haven waterfront homes sell for $1M-$5M+ with property taxes of $10K-$20K annually. Your spouse's Wall Street career could be worth $1M-$2M+ in unvested equity and retirement. The spouse who understands these assets has every advantage in divorce.
You don't need to become a Wall Street compensation expert overnight. You need someone in your corner who already is one — someone whose only job is making sure you capture all marital wealth.
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.
Jersey Shore costs are brutal: property taxes $10K-$20K+, flood insurance, maintenance. Map out your real expenses — before you fight for something you can't maintain.
Bonuses, 401(k), deferred comp, stock options — the asset identification system helps you find compensation you might not even know exists.
22-page guide + video tutorials + checklists + templates
$97
Instant access. 100% money-back guarantee.
Get the Clarity You Need — $97Q: Must we sell the family shore house after divorce at 60+?
Shore homes carry enormous emotional value: decades of summer memories, grown children's childhood,retirement dreams. However, under NJ equitable distribution, Rumson/Fair Haven waterfront ($1M-$5M+) or Manasquan/Sea Girt shore homes ($800K-$2M+) must be divided. One spouse can buy out the other, but at 60+ on retirement income ($70K-$90K), buying out $500K-$2.5M equity is impossible. Plus NJ property taxes ($10K-$20K+) require $150K+ annual income to afford solo. Most divorcing couples sell cherished shore homes—devastating but financially necessary.
Q: Can I afford to stay at the Jersey Shore after divorce?
Jersey Shore costs are brutal: property taxes $10K-$20K+ annually, flood insurance $2K-$5K, beach/summer home maintenance $8K-$12K, utilities $4K-$5K = $50K-$70K+/year minimum. At 60+ on retirement income, solo shore living requires $120K-$150K+ annual income or $2M+ total assets beyond home equity. Most divorcees cannot afford this—relocating inland to Colts Neck/Holmdel or leaving NJ entirely for Florida/North Carolina coastal living at 50% lower cost becomes necessary.
Q: How are decades of NYC/Philadelphia commuter wealth divided?
Monmouth County offers 60-90 minute commutes to NYC/Philadelphia. Under NJ equitable distribution, 30-year Wall Street or pharma careers create substantial marital wealth: 401(k)s $1M-$2M+, unvested stock $300K-$1M+, deferred compensation, bonuses. At 60+, dividing these retirement accounts means each spouse receives ~50% of marital portion—reducing individual retirement security substantially. Proper QDRO execution and tax planning critical to avoid losing additional wealth to taxes.
Q: Should I leave New Jersey entirely after divorce for tax-friendly retirement?
Monmouth County shore living has value: beach access, summer lifestyle, four seasons. However, NJ taxes punish retirees: income tax up to 10.75% on all retirement, property taxes $10K-$20K+, high cost of living. Relocating to North Carolina coast (Wilmington, Outer Banks: flat 4.5% income, $3K-$5K property tax) or Florida Gulf Coast (no income tax, $2K-$4K property tax) saves $20K-$30K+ annually. Over 25-year retirement, NJ costs $500K-$750K+ more than comparable coastal communities elsewhere.
If you're over 50 and facing divorce in Monmouth County, custody battles aren't your concern—your children are grown. Instead, you're dividing Jersey Shore luxury real estate, NYC/Philadelphia commuter wealth, and retirement accounts under New Jersey's equitable distribution with permanent alimony for 20+ year marriages.
Monmouth County offers coastal living with easy access to both NYC and Philadelphia, attracting high-income professionals and retirees.
Monmouth County coastal towns command premium prices:
Homes purchased during marriage are marital property subject to equitable distribution.
Monmouth County offers dual-city access:
Many Monmouth County homes carry immense emotional value:
Divorce dilemma: Who keeps the shore house with decades of memories, or must it be sold?
Can you afford Monmouth shore property solo? Property taxes $10K-$20K+/year make shore living expensive. Many must sell and relocate or downsize inland.
Permanent alimony: Marriages 20+ years may qualify for permanent alimony.
Whether you've owned shore property for decades or you're learning about coastal real estate division, we provide the guidance you need.
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