Gray Divorce Financial Specialist
Corporate stock options, retirement plans, real estate — Cincinnati's corporate wealth 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 Cincinnati, you're likely dealing with financial complexity unique to Ohio's corporate headquarters region. Child custody battles typically aren't your main concern—your children are grown, likely building their own careers. Instead, your divorce centers entirely on protecting and dividing decades of accumulated wealth in one of Ohio's most affluent corporate markets.
This is especially challenging if you've never personally managed the family finances. Perhaps your spouse handled the P&G stock options, Kroger pension benefits, Fifth Third deferred compensation, or investment portfolios while you focused on raising children or supporting their career. Now you're facing questions like:
Here's what nobody tells you: A "fair" settlement can still leave you struggling.
50/50 sounds equal. But if you take the house and your spouse takes the 401(k), only one of you has retirement income. A pension isn't cash. Tax treatment turns "half" into 40% or 60% depending on which half you take.
Your lawyer knows the law. They don't know what you'll live on for the next 30 years.
Most people sign their settlement while still in emotional shock. The brain is in survival mode — the prefrontal cortex that makes rational decisions is literally offline. By the time the fog lifts, the settlement is final.
You need someone whose only job is protecting your financial future — not billable hours, not legal posturing. Someone who can show you exactly what different settlement scenarios mean for your life 5, 10, 25 years from now.
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
Instant access. 100% money-back guarantee.
Get the Clarity You Need — $97Cincinnati is home to Procter & Gamble's global headquarters, and many gray divorce cases involve significant P&G stock compensation accumulated over decades.
P&G-specific considerations:
For those new to managing finances: If your spouse worked at P&G for 25+ years, their stock compensation could easily be worth $500,000-$2,000,000 or more. Understanding what's marital property vs. separate property is critical to protecting your share.
Kroger is headquartered in Cincinnati, and long-tenured employees have built substantial pension and retirement benefits. Kroger's pension plan creates unique divorce challenges.
Kroger retirement considerations:
Key consideration: A Kroger pension paying $4,000/month for life has a present value of approximately $700,000-$900,000. This "invisible" asset may be your largest marital asset.
Cincinnati is a financial services hub, with Fifth Third Bank, Western & Southern Financial Group, and numerous other financial institutions headquartered in the region.
Financial services divorce considerations:
Cincinnati is home to world-class healthcare employers including Cincinnati Children's Hospital, UC Health, TriHealth, and Mercy Health. Healthcare jobs come with exceptional benefits that complicate divorce.
Healthcare industry divorce considerations:
Cincinnati's affluent neighborhoods—Indian Hill, Hyde Park, Mt. Lookout, Montgomery, and Mason—have seen significant appreciation, especially for homes purchased 20-30 years ago.
Cincinnati real estate considerations:
Critical decisions:
Ohio is an equitable distribution state, not a community property state. This means marital property is divided "fairly"—but not necessarily 50/50.
Key Ohio divorce principles:
Ohio courts consider 14 factors when awarding spousal support, with no formula or automatic entitlement.
Key factors for gray divorce:
Your lawyer handles the law. Your therapist handles the emotions. But who's making sure you can actually live on what you're agreeing to?
Turn Panic Into Power — $97 Explore the War Room