Banking & Finance Specialist
Banking equity, corporate retirement, real estate — North Carolina'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 — $97RSUs. Deferred compensation. Restricted stock. Banking bonuses. You've heard these terms for years. You know they're valuable.
But do you actually understand what they are? Which ones have vested? Which ones vest after separation? What portion is legally marital property under North Carolina's equitable distribution? How are they taxed when divided?
Your spouse has lived with these compensation statements for 20+ years at Bank of America or Wells Fargo. They understand vesting schedules, exercise windows, and tax implications.
You're seeing these documents for the first time — while negotiating a settlement that could be worth $1-3 million.
Banking compensation isn't magic. It's complicated — but complicated has solutions. You need someone who can decode the offer letters, translate the vesting schedules, and show you exactly what's yours under North Carolina equitable distribution law.
The difference between understanding banking equity and not? It can easily be $300,000-$500,000 in your final settlement.
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, banking assets, and retirement accounts — 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 — $97Q: How are Bank of America stock options divided in NC divorce?
Bank of America employs 15,000+ in Charlotte headquarters. Under NC equitable distribution, BofA stock options, RSUs, and restricted stock earned during marriage are marital property divided fairly. For 30-year banking careers with $300K-$1M+ unvested equity, proper valuation prevents losing hundreds of thousands. At 60+, BofA employees face complex vesting schedules—don't settle without capturing all unvested options including those that mature post-divorce. Forensic accounting reveals true compensation value.
Q: What about banking pensions from 30-year careers at Wells Fargo or BofA?
Charlotte's banking industry offers traditional pensions increasingly rare elsewhere. Under NC equitable distribution, Wells Fargo or BofA pensions earned during marriage are marital property divided via QDRO. For 30-year banking careers, pension benefits worth $3K-$6K monthly ($36K-$72K annually) represent $900K-$1.8M+ lifetime value over 25-year retirement. At 60+, dividing pensions means each spouse receives portion of marital benefit—proper QDRO execution preserves tax advantages and maximizes both spouses' security.
Q: Can I afford Charlotte after divorce, or should I relocate within NC?
Charlotte living costs: Median home $400K-$450K (South Park/Ballantyne $600K-$1M+), property taxes $3K-$5K annually, urban lifestyle expenses. Many Charlotte divorcees at 60+ relocate to Asheville (mountain culture, lower costs), Wilmington (coastal living, beach access), or smaller NC cities (Greensboro, Winston-Salem: 30% lower housing costs). NC's flat 4.5% income tax and moderate costs statewide make in-state relocation attractive—preserving NC retirement tax benefits while dramatically reducing living expenses.
Q: Why do so many people move TO Charlotte for divorce (from NJ/NY)?
Charlotte attracts NJ/NY divorce refugees seeking lower costs: Charlotte property taxes ($3K-$5K) are 70% lower than NJ ($12K-$20K+), NC income tax (flat 4.5%) saves vs. NJ (up to 10.75%), housing 40-50% cheaper. At 60+ with $500K divorce settlement, Charlotte enables home ownership ($400K house, $3.5K/year tax) vs. NJ rental ($2K+/month). Over 25-year retirement, Charlotte saves $300K-$500K+ in taxes alone. Plus Charlotte offers banking job market, mild climate, growing economy—practical landing spot for fresh starts.
If you're over 50 and facing divorce in Charlotte, custody battles aren't your concern—your children are grown. Instead, you're dividing Bank of America stock from 20-30 year banking careers, Wells Fargo pensions, and Charlotte real estate under North Carolina's equitable distribution with 1-year separation requirement.
Charlotte is America's #2 banking center behind only New York City.
Bank of America employs 15,000+ in Charlotte:
Wells Fargo major Charlotte presence:
Charlotte real estate has appreciated significantly:
Can you afford Charlotte solo? Charlotte median $400K-$500K is manageable. Many banking professionals with stock/pensions can afford on one income.
Whether you've worked at BofA for decades, we provide the guidance you need.
Turn Panic Into Power — $97Schedule a Strategy Session