Gray Divorce Financial Specialist
PERS pensions, retirement accounts, real estate — Oregon'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 — $97Q: What makes Oregon divorce different for 50+ couples?
Oregon uses equitable distribution (not community property), meaning assets are divided fairly based on circumstances, not automatically 50/50. For 60+ couples, courts consider limited future earning capacity, marriage length, and retirement needs. Oregon PERS pensions, Portland tech stock compensation, and Bend real estate appreciation all require specialized division strategies.
Q: How are Oregon PERS pensions divided in divorce?
Oregon PERS pensions (public employees, teachers, university staff) are marital property requiring specialized QDROs. Tier 1, Tier 2, and OPSRP members have different benefit formulas. At 60+, these pensions worth $2K-$4K+ monthly for life are critical retirement security—proper division requires expertise in both PERS rules and Oregon family law.
Q: What about Oregon's income tax impact on retirement?
Oregon has no sales tax but up to 9.9% income tax on retirement withdrawals, pension income, and investment gains. For 60+ divorcees, this significantly affects net retirement income. Careful tax planning during asset division (Roth vs. traditional IRAs, pension timing, capital gains strategies) can save tens of thousands over a 25-year retirement.
Q: Can I afford Portland or Bend after divorce at 60+?
Portland homes run $500K-$900K in desirable areas, Bend $600K-$1.5M+. Property taxes, maintenance, and healthcare costs total $40K-$60K+ annually. At 60+, you need asset division and Social Security timing that funds 25-30 years of Oregon living. Many retirees find Eugene ($400K-$600K homes) or relocation more sustainable on single retirement income.
If you're over 50 and divorcing in Oregon, custody isn't your concern—your children are grown. Instead, you're dividing decades of Portland tech compensation (stock options, RSUs), Oregon PERS pensions, Bend retirement properties, and determining whether you can afford Oregon's premium lifestyle solo.
At 60+, Oregon's 9.9% income tax, rising home prices, and limited healthcare options in retirement areas create unique financial pressure. Every division decision—whether to keep the Portland or Bend home, how to split PERS pensions, when to claim Social Security—determines your financial security through age 90.
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.
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